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Insurance

How do I file a claim for insurance?
Present your insurance card at every service provider visit. Most will file your charges to your insurer, if you go to a participating provider. If not, you may be required to file your own claim. In that case, use the group number, your identification number and the claim office address indicated on your insurance card. Refer to your CHOICES enrollment workbook for a Schedule of Benefits.  See http://choices.mus.edu/

How do I add/delete a dependent to my insurance coverage?
There are only specific times, called qualifying events, when you may add or delete a dependent from your insurance coverage.  When allowed to do so, you will be required to complete a mid-year change form within 63 days of the qualifying event. Refer to the CHOICES enrollment workbook for definition of “Qualifying Events”. See http://choices.mus.edu/

As a new employee, when do my insurance benefits go into effect?
If you are in an insurance benefits eligible position, your insurance benefits begin the day you begin work at the University of Montana.  You must make your insurance benefits choices within 30 days of your first day of employment.

If I terminate, when do my benefits end?
Your medical, dental and optional vision benefits will end on the last day of the month in which you work. Your life insurance, long-term disability and accidental death and dismemberment (AD&D) and flexible spending account benefits will all end on the last day that you work.

By federal law, you will be offered a COBRA extension plan in which you can continue medical, dental and/or vision coverage for up to 18 months by self-paying the premiums. Your medical insurer will automatically send you information on this coverage. You then have 60 days to elect this coverage. If elected, COBRA coverage will begin immediately after your group coverage ends.

Our life insurance plan has a portability clause that allows terminating employees the option to continue their life insurance coverage by self-paying. You must apply for this coverage within 31 days of your last day worked. Information, application forms, and rates are available in HRS.

What kind of insurance coverage do I have when traveling overseas?
Whether you travel for business or pleasure, 100 or 10,000 miles from home the Medex Travel Assist Program provides the necessary coverage: See: Medex Travel Assist

What is optional Long Term Care Insurance and what are the enrollment guidelines?
The Montana University System (MUS) has contracted with the UNUM/Provident Life Insurance Company to provide an additional benefit to eligible employees. Long Term Care Insurance is insurance you may purchase to provide long term care in the event the insured suffers the loss of at least two activities of daily living and/or the loss of cognitive functions due to old age, illness, or accident. Activities of daily living include eating, dressing, bathing, transferring, toileting, and continence.

Those individuals eligible for this insurance include current employees and their spouses, the employee's parents and grandparents, the spouses parents and grandparents, and retirees and their spouses.

New employees have 31 days after their date of hire to submit an application for enrollment without evidence of insurability. All other employees and retirees can apply at any time, however, evidence of insurability will be required by UNUM/Provident. Forms and rates are available at http://w3.unum.com/enroll/MUS