Benefits

Q: When does coverage begin?

A: Your coverage is effective on the first day of the month after you enroll provided you are eligible. Employees become eligible when they have worked for two weeks. You then have 30 days from the date you became eligible to enroll. If you do not enroll within 30 days, you are not able to enroll until the next annual open enrollment period.

Q: If I elect not to participate now and need to later, what are my enrollment rights?

A: You can enroll yourself and/or your eligible dependents any time you have experienced a qualifying life event (i.e.: marriage, divorce, adoption, birth of child).  Enrollments are effective the first of the month following receipt of your enrollment form.

Q: Who can I enroll?

A: You can enroll yourself and your eligible dependents in the medical, hospital indemnity, dental, vision care and term life plans. Your eligible dependents are your lawful spouse and your unmarried children (who depend on you for support) from birth through age 18, through age 24 if a full-time student, or through any age if handicapped and unable to earn a living.

Q: When does coverage end?

A: Coverage, for all of your benefits under the Plan, will end if: 1) the required premiums are not paid, 2) you are no longer an eligible employee, 3) the policy terminates, 4) you enter an Armed Service on full-time active duty, or 5) you become eligible for another employer-sponsored group medical plan. Dependent coverage ends when yours does or when the dependent is no longer eligible.

Q: What is a deductible?

A: A deductible is the amount of money you must pay for eligible expenses before the Plan begins to pay benefits. You will stop paying toward the deductible when you reach the specified dollar amount.

Q: What is a co-pay?

A co-pay is the amount you pay each time that you incur certain charges. You will continue to pay the co-pay even after you have reached your deductible.

Q: Which doctors, dentists, and hospitals may I use?

A: You are free to use any licensed doctor or dentist, or any certified hospital. However, you can save money by using an in-network provider.

Q: What is a beneficiary?

A: Your beneficiary is the person you name to receive the benefits of any term life or accidental death coverage you may have in the event of your death.

Q: Who can I name to be my beneficiary?

A: Anyone you choose. If you choose someone who is younger than 18 you will have to name an adult to be the custodian of the benefits until the minor.

Q: Will I receive plastic insurance cards?

A: If you enroll in medical or dental insurance you will receive a plastic ID card in the mail after your enrollment has been processed.  A temporary card can be printed from Lakeshore’s website under the Benefit Forms section.

Q: When will my credit card be charged each month?

A:  Each month, your credit card will be charged on the first business day of the month.  If your card is declined, they will attempt to contact you to retrieve new payment information.  If your card is declined a second time (in the same month), your coverage will be automatically terminated and you will not have the opportunity to re-enroll until our next open enrollment period in August 2011.

Q: How do I terminate my coverage?

A:  To terminate coverage you can contact your Lakeshore Client Experience Consultant to request the termination, or you can contact Century Healthcare Customer Service directly at (877) 685-2432.  Terminations can only take place at the end of the month.

Have more questions?

Please use the contact information below to help answer any further questions you may have.
Customer Service, Claims or Benefit Questions
Phone:  (877) 685-2432


To locate a provider in the Beech Street Network
Online:  http://www.beechstreet.com/beechplus/lbp
Phone:  (866) 907-3619


For pharmacy Rx questions:
Data RX
Online:  http://www.data-rx.com
Member Help Desk:  (800) 454-9399
Pharmacy Help Desk:  (888) 714-4422


24 Hour Nurse Line:
Carington
http://www.carington.com
(866) 796-1857 pin 526