Frequently Asked Questions
Listed below are some of the most frequently asked questions asked of our group
service representatives. Please feel free to call us with any questions. However,
you may want to refer to these questions and answers for certain information.
Q. Do new employees have to complete the medical questionnaire on the application?
A. New hires in groups with 2-50 employees must always complete the medical
questionnaire on the application. New hires in groups with 51 or more employees
must complete the medical questionnaire only if they are a late enrollee.
Q. If an employee is on disability leave, how long can the employee be covered on
the group plan?
A. The maximum period of time an employee on disability can be covered through
the group is six months. At the end of the six months, the employee would have the
- Return to work;
- State of Arkansas 120-day continuation policy;
- Convert to COBRA, if applicable; or
- Drop coverage.
Q. I have an employee who was canceled from our group by mistake. How do I add them
to the group again?
A. Contact your group service representative within 30 days of cancellation,
and request that the employee be added back to the group coverage. The underwriting
department may require payroll records to prove continuous coverage.
Q. Can an Arkansas Blue Cross member transfer from one group into another group with
A. An employee may transfer from one group into another group with time credit.
A 12-month pre-existing condition exclusion period will be applied to that employee;
however, creditable coverage from the prior group will be applied against that exclusion
period. If that creditable coverage is 12 months or more, the pre-existing condition
exclusion period would not apply.
Q. How does an employee obtain a Certificate of Creditable Coverage upon termination?
A. A Certificate of Creditable Coverage will be automatically generated and
mailed to the last known address of the employee.
Each group was mailed a generic form of the Benefit Plan Certificate of Coverage.
You, as the group administrator, may complete a copy of this form and present it
to the terminated employee at the time of termination or at the exit interview.
Q. Do non-BluesEnroll groups have an open enrollment at the time of our anniversary?
A. No. Employees who wish to be added to your group health insurance program
or who want to make changes to their coverage can apply any time after your group’s
specific eligibility period. Rules regarding timely or late enrollees will be applied.
Q. Do BluesEnroll groups have an open enrollment at the time of our anniversary?
A. Yes. Employees who wish to be added to your group health insurance program
or who want to make changes to their coverage can do so during their open enrollment
Q. Do you have continuous coverage if you transfer from a group policy to the Arkansas
Blue Cross conversion policy?
A. Yes. Arkansas Blue Cross’ conversion policy requires no medical underwriting.
Q. An employee soon will be getting married. When can the employee change to family
A. If an employee marries, an application must be received within 30 days
of the marriage to be considered a timely addition. The new spouse will be added
to the group policy effective at the first of the month of following the date of
the marriage. The spouse that is considered a timely addition is subject to a 12-month
pre-existing condition exclusion period that may be offset by prior creditable coverage.
A copy of the marriage license will be required.
Q. An employee just found out that she is pregnant. When should she change from an
individual policy to a family policy?
A. The employee should change from single to family coverage within 90 days
of the birth for the application to be considered timely.
Q. An employee has a family policy and needs to add a dependent. What do they need
A. Please see "New Enrollments or Changes Due to Special Events" in the "Group
Coverage Guidelines" section.
Q. An employee would like to change a policy from family to individual. When will
the change be effective?
A. The change will be reflected on the next billing cycle, after approval
of the change request form.
Q. We have a new employee who has had other insurance that was not group coverage.
Will the employee have creditable coverage from that insurance?
A. As defined by the Health Insurance Portability and Accountability Act
of 1996 (HIPAA), individuals who have any of the following types of health care
plans will be entitled to transferable creditable coverage:
- Other group health plans (including COBRA)
- Individual Major Medical coverage
- Medicare Part A or B
- Federal Employees Health Benefit Plan (FEHBP)
- Medical care programs of Indian Health Services or tribal organizations
- State health benefits risk pools
- Public health plans
- Peace Corps health plan
back to manual home | next section