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Section 125 | Cobra | HRA/PSF | Dental
1. What is covered?
2. Can I make a change in my election amount?
Yes, if you have a qualifying event, i.e. death, birth, marriage, divorce or if it is during
open enrollment for the plan, you can make a change to your election amount.
3. Is there a minimum amount in order to submit claims?
No, but please consider submitting claims of $25 or more.
4. Are my pets covered as eligible dependants?
No, (exception - seeing eye dog for the blind).
5. How long do I have to submit a claim?
You have up to 90 days after the end of your plan year or termination of employment
to submit claims you incurred during the plan year.
6. My MasterCard doesn't work, why?
There are various reasons why this may happen. The most common are: 1. You didn't
have enough money in your account to cover the claim, 2. You were not at an eligible
point of service, i.e. pharmacy versus Sears, 3. Your employer's funds are low in the
account, 4. The claims exceeded the dollar amount limit for that particular point of
sale.
7. How do I check my account balance?
You can call HR Concepts @ 603-647-1147 and ask your administrator or log on line
from this website and check your own balances.
8. How do I get my money out of my account?
You can use your MasterCard that we issued to you or submit a paper claim via fax,
mail, or dropping if off.
9. Does my daycare provider have to be licensed?
No, but you are required to submit a claim form with their tax ID number or Social
Security number.
1. How long do I have to elect Cobra?
A qualified eligible participant has up to 60 days from the date of notification to elect
Cobra.
2. When are my premiums due?
Premiums are due the 15th of the month prior to the month of coverage that you are
paying for.
3. Why isn't my health insurance card working?
Health & Dental insurance companies sometimes take up to 30-60 days to reinstate
coverage. All of your expenses during this time will be covered and reimbursed.
1. How do I get my deductible or co-insurance paid for by my employer?
You need to submit a HRA/PSF claim form to HR Concepts, along with a copy of your
Explanation of Benefits (EOB) Statement you will receive from the insurance company.
2. How long does it take to get my money back?
You have two options: 1. You can direct HR Concepts to put the money onto the
MasterCard that we provided you with or 2. Direct HR Concepts to send you a
reimbursement check. Claims are paid daily.
3. How do I pay my provider?
Either with the MasterCard we provided to you, or by cashing the reimbursement
check that we sent to you and paying the provider direct.
1. How do I get reimbursed for my dental expenses?
After your dentist appointment, you will need to fill out a claim form and fax, mail, or
drop it off to HR Concepts along with the receipt indicating the cost for the service
rendered and what procedure was done. Your claim will be processed upon receipt
and depending on how you authorize HR Concepts to pay it, you will either receive a
check back or we will authorize your MasterCard for the amount of the claim.
2. What expenses are covered?
This will depend on your plan design. Please refer to your summary plan description.
3. Why didn't my MasterCard work?
There are several reasons as to why your MasterCard would not work. The most
common ones are: 1. Your dentist is trying to charge more from your account than you
are authorized for, 2. Your employer requires a receipt of the covered expense before
money is authorized on the MasterCard, and 3. Your employer's group balance is low.
4. Do I have to go to a specific dentist or use a certain network?
No, you can go to any dentist you choose.
5. How long do I have to submit a claim?
You have up to 90 days after the end of your plan year to submit a claim incurred
during that plan year.
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