Q: When May I Enroll?
If your church is enrolling employees for the first time, you may enroll the first of any month; you do not have to wait for Open Enrollment.
If your church has already enrolled other employees, you may enroll at these times:
Open Enrollment is the period of time set up to allow employees to choose from the plans available to them. Typically, it is held at the end of each year.
Q: Our church would like to enroll in the C&MA plan, but we missed your Open Enrollment. Can we enroll at another time?
Yes, if your church is participating in the C&MA Health Plan for the first time, you may join at any time throughout the year. Additionally, if it has been one year or more since your church last participated in the Health Plan, they may be eligible to rejoin.
Q: Why does the enrollment form ask for beneficiary designation since I’m not purchasing extra life insurance?
Every medical plan includes $30,000 Basic Life insurance on the employee up to age 65. We need your beneficiary designation for this.
Q: How long does it take to process enrollments?
Please allow at least two weeks once we receive the paperwork. From November – January, please allow at least three weeks. Incomplete forms will add delays as we try to contact you to get the necessary information.
We can process your enrollment retroactively if received within 30 days of your hire date, but you may experience delays if you are trying to purchase a prescription immediately.
Q: Should I wait to cancel my other insurance until I hear back from you?
It is always wise to receive confirmation before cancelling other coverage.
Q: May I fax or electronically file my enrollment or should I mail the original?
You may submit electronically, fax or mail your enrollment. If faxed or sent electronically, you do not need to mail the original. You should always retain a copy for your files. It is also a good idea to verify that a fax was received. Please email or call Alliance Benefits to confirm your fax was received..
A Qualifying Event is a family change (such as marriage or birth) or a status change (such as a new job). You are allowed to enroll in the C&MA Health Plan if there is a legitimate qualifying event. For example, if you are on another health plan and it has a significant price increase, that is a qualifying event and you may enroll in the C&MA Health Plan within 30 days. If you get married or have a baby, you may enroll your new spouse, or your new baby, in the Health Plan if we are notified within 30 days of the event.
Here’s one exception: if a church is coming on the Health Plan for the first time, the church may choose what month to enroll its employees.
Please call Alliance Benefits to discuss your specific situation.
Q: My church participates in the Health Plan, but I missed the deadline. Will I have other chances to enroll?
You may enroll at annual Open Enrollment, or within 30 days of a Qualifying Event. Please call Alliance Benefits if you have questions.
Q: I’ve been working 15 hours a week, but the church recently increased my hours to 20 a week. Can I enroll?
Yes, if you enroll within 30 days of the status change. If you miss this deadline, you will have another chance during annual Open Enrollment.
Q: I was just hired to start the 15th of the month. Can I get coverage right away?
If you are eligible, your coverage will start the 1st of the following month. (If you are hired on the 1st, coverage starts that day.)
If you enroll yourself or your family member(s) more than 30 days after a qualifying event, a 60 to 90-day waiting period begins when all completed paperwork is received. Health coverage will begin the first day of the month following the end of the waiting period.
Q: If I enroll past the deadline and on a 60 to 90-day waiting period, do I have to pay premiums?
No, you do not pay premiums during the waiting period.
When an eligible employee or dependent has an event that causes him/her to gain or lose eligibility for coverage outside of the Benefit Plan Year, it is considered a Special Enrollment. The Health Insurance Portability and Accountability Act (HIPAA) provides for special enrollment within 30 days after the qualifying event.