Frequently Asked Questions and Answers (FAQ)
When
will by Medical, Dental, Vision and RX coverage become effective?
Your benefits become effective 90 days after your first day of employment.
I
have so many ID cards. Which one do I use?
You
should have two ID cards.
One
for medical - Anthem Blue
Cross and Blue Shield (Dr. visits, Labwork, Emergency Room, etc...)
One
for prescriptions -
Caremark (at your participating Caremark Pharmacy)
Please keep both in a handy location.
What about a dental ID card?
There is not a separate card for dental benefits. Simply have the dental
provider of your choice submit the claim to:
I.B.T. Local 145 HS&IP at 3272 Main Street, Ste. 202 Stratford, CT 06614
I.B.T. Local 145 HS&IP at 3272 Main Street, Ste. 202 Stratford, CT 06614
If you need a dental form to submit to the dentist,
click here.
Anthem does not handle all of my benefits?
No. For
Medical Benefits you must use an Anthem
Blue Cross and Blue Shield provider and present your
Anthem ID card
Vision Benefits are through
Davis Vision (No paperwork is needed. Make sure you use a A Davis
Vision participating provider)
Prescription Benefits are through
Caremark (formerly Advance PCS). You may still use your Advance PCS
ID card.
Dental Benefits are paid at the health fund according to the fee
schedule
What
is my prescription co-pay?
Your RX co-pay will either be
$5.00 Generic (effective March 1, 2006)
$25.00 Preferred
$50.00 Non-Preferred
Visit this link at Caremark to see if your drug is on the preferred list
How
do I get an eye exam and glasses?
You
must use a David Vision participating Provider for coverage of your
routine vision. Please visit Davis Vision at
www.davisvisioncom
to
locate a participating provider and check your current eligibility. You
are eligible once every 24 months for routine vision services.
If you do not use a Davis Vision provider, your claim will be denied.
"Why do I have to send another letter for my child who is a full time
student?"
Dependent children are covered between the ages of 19 and 23 as long as they are a full time student at an accredited college or school. We must have documentation from the registrar's office each semester in order to continue coverage for your dependent.
Dependent children are covered between the ages of 19 and 23 as long as they are a full time student at an accredited college or school. We must have documentation from the registrar's office each semester in order to continue coverage for your dependent.
"What
is the filing time limit for claims?"
Your dental claim must be submitted within 1 year for claim consideration
Your dental claim must be submitted within 1 year for claim consideration
As of
January 1, 2005, your ABCBS participating provider has 2 years to submit
claims
Prior to
January 1, 2005 the filing time for all claims is 1 year.