Health, Vision and Dental

1. What is a PPO (Preferred Provider Organization)?
2. What is an HMO (Health Maintenance Organization)?
3. What is a Point-Of-Service?
4. When can you make changes to your current benefit plan?
5. What is a maintenance medication?
6. What type of illness would be considered an emergency?
7. How long can my dependent child remain on my policy?
8. Am I covered for services if I travel out of the state?
9. If my coverage is terminated am I eligible for conversion?
10. Does my plan include a mail away program?
11. What is Independence Blue Cross Personal Choice? A Preferred Provider Organization.
12. How are Independence Blue Cross prescription drugs covered?
13. Why should I always show my Independence Blue Cross identification card when receiving services?
14. I am a member of Keystone Health Plan East, what should I do if I need a doctor and my primary care physician (PCP) is unavailable?
15. What does Eligible Dependent refer to?
16. What is the Blue Card Program?
17. How do I add my newborn to my policy?
18. What is a pre-existing condition?
19. We recently enrolled in the Medical Insurance plan, which is sponsored, through our Association. Could you explain how the billing process works?
20. How do I remove an employee from my groups coverage?
21. How will I receive credit for my terminated employee?
22. What happens if I am a Independence Blue Cross member and I do not use a participating pharmacy?
23. Who is Clarity Vision?
24. How will the recent split between Capital Blue Cross and Pennsylvania Blue Shield affect my coverage?
25. Who is Express Scripts, Inc.?
26. Does USI offer dental coverage?
27. What types of Dental Plans can I purchase through USI?