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ELIGIBILITY & ENROLLMENT

ELIGIBILITY & ENROLLMENT

Eligibility

All full-time employees who work 30 regularly scheduled hours a week can participate. Newly hired employees will have a waiting period of 30 days.

Spouses who are offered medical coverage from their employer will not be eligible to participate in the Myers Industries medical plan.

Your Personal Information

 You will need to include personal data in your enrollment information, including your:

  • Social Security Number
  • Dependents (name, date of birth and Social Security Number)
  • Primary Beneficiary
  • Any Secondary Beneficiaries
  • Spouses

Dependents

The federal government, through the Affordable Care Act, has passed legislation extending the eligibility age for dependents to remain covered under their parents’ group health insurance coverage to age 26.

 The Myers Industries, Inc. plan is a Non-Grandfathered health plan; therefore, eligible dependents must:

  1. Be the natural child, stepchild, adopted child or foster child of
    the insured, subscriber or covered employee;
  2. Have not yet reached their 26th birthday.

Spouses

Spouses who are offered medical coverage from their employer will not be eligible to participate in the Myers Industries medical plan.

How to Enroll:

The decisions you make regarding your benefits will affect you for an entire plan year. 

It is important to read all of the benefits information carefully.  If you are enrolling as a new hire or making a change to your coverage after the annual enrollment period, follow the steps below to make your elections:

Step 1:

Complete your enrollment in Dayforce.

Step 2: 

If you are waiving coverage, check “decline” during the enrollment in Dayforce.

Changing Your Selection:

 IRS regulations state that contributions associated with the choices you make during this enrollment period must stay in effect for the entire plan year – unless you have a change in family status. A change in family status occurs if:

  • You marry or divorce
  • You experience the death of a spouse or dependent
  • You have or adopt a dependent
  • You or your spouse begin or end a job
  • You or your spouse change from part-time to full-time, or from full-time to part-time status
  • Your spouse’s coverage is terminated

Any change in benefits must be consistent with your status change.

It is critical that you notify us within the allowable waiting period. Failure to do so may affect your ability to make changes. For example, if you have a child and do not add that child to your coverage
within the 30-day period, you may have to wait until the next open enrollment period to insure that child.

DEFINITIONS

Here are some definitions that will help you better understand your plan options.

Deductible: A deductible is the amount of money you must pay each year toward your medical expenses before the plan will begin paying its portion of covered expenses.

Copayment: Also known as a copay.  The specific dollar amount for covered services for which you are responsible, as indicated in the schedule of benefits.

Coinsurance: Coinsurance refers to the amount of your medical expenses you pay once you have met your annual deductible.

Out-of-Pocket Maximum: There is a limit to how much you will be asked to spend out of your own pocket toward your eligible medical expenses in any given year.  Once you have met this limit, the plan will pay any remaining reasonable and customary covered services for the year at 100%

Reasonable Fees: Reasonable fees reflect the “going rates” for specific medical treatments and services in a particular geographical area. Insurance plans use these as a basis for paying claims.  If doctors and hospitals charge rates higher than the reasonable fees, or are 
not in-network, most insurance plans will not cover the excess amounts and participants become responsible for those charges.  The charges in excess of the reasonable fees do not accumulate toward your out-of-pocket maximum.