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Health Insurance
FSA
FSA/Benny Card
Dental
Voluntary BenefitsHealth InsuranceWho is our insurance carrier? Our medical insurance carrier is Aetna. Our dental and vision plans are through TPSC.
How do I know I've qualified for benefits? You have qualified for benefits when you have reached the eligibility and continue to maintain hours.
How can I find out what our benefits include? Click on the Benefit Summary or log into the Aetna website and/or TPSC website.
Can I add my spouse or a child to the plan? You can add a dependent at Open Enrollment each January, or if you have a Qualifying Event. Examples are loss of other coverage, birth, marriage or adoption. Please contact Human Resources for more specifics.
How do I get a new Insurance card? You can order a new card by logging in to the Aetna website or TPSC website. You may also call our broker, JLR & Associates at 1-800-758-0218 or email them at jlr@jlrassociates.com.
What is the Aetna Health Fund? The Aetna Health Fund insurance plan reimburses you for expenses up to a certain limit for employee, or employee & family.
How can I check my Aetna Health Fund amount? The Aetna Health Fund and/or Aetna Websites.
How do I know if I've met my deductible? The Aetna website or TPSC website can tell you if you've met your deductible. You can also refer to your Explanation of Benefits (see sample EOB).
How do I access the $250 Argosy will pay to my deductible? o Once you have used up your Health Fund and paid $250 in deductible for yourself, you are eligible to have the next $250 reimbursed by the Argosy HRA. See the next question for how to request your reimbursement.
How do I get reimbursed for Health Reimbursement Arrangement (HRA) expenses? Complete and submit a claim form and an EOB that indicates you´ve met that part of your deductible to TPSC. click here for reimbursement form.
Where can a get an explanation of Benefits (EOB)? The Aetna website is the best place. You may also visit TPSC website and then log in.
Can I get my prescriptions for any cheaper? If your doctor writes a prescription in a three month supply, you may get three months of prescriptions for the price of two through Aetna RX HomeDelivery. If not, you may fill them at the following pharmacies: Aetna Pharmacy Directory.
Why should you ask your Dr. to code your lab work as part of an office visit? If your doctor codes your lab work as part an office visit, it will be included in the office visit charge. If it is sent in separately you will receive a charge from the doctor visit, and a charge from the lab. It will save you money to ask for this!
How do I update my address? You cannot call Aetna to update your address. Email your updates to Duran Larsen, Argosy's HR Director: duranl@argosycruises.com
What if I have a pre-existing condition? Please contact Aetna or JLR & Associates for more details. Typically, a pre-existing condition is something you were treated for, or should have sought treatment for, in the previous 6 months (prior to enrollment). If you have NOT had prior credible health coverage, you will have a waiting period for services for that condition.
What if I need to terminate my coverage? If you are having the premiums taken out of your check pre-tax, you can only change your election at open enrollment or a qualifying event, such as marriage, divorce or birth of a child. If your employment at Argosy is ending and you have a qualifying event, you will be sent COBRA information from Mongoose LLC.
FSAWhat is a flexible spending account? A Flexible Spending Account (FSA) is a way for you to take money out of your paycheck pre-tax to pay for unreimbursed medical, vision and dental expenses. By using a Benny Card (Debit MasterCard) you can access your FSA at the pharmacy of your choice. Use it to cover your prescription co-pay. Your Benny Card may also be used to pay bills from your doctor - just enter your Benny Card number on your payment slip. You must always save your receipts for Benny Card purchases.
How do I get reimbursed for medical expenses or child/adult daycare from my flexible spending account? You must submit a claim form to TPSC for your flexible spending account.
How can I check my FSA account balance? Check the TPSC website, then log in. You may also call the customer service number: 800-426-9786 or 253-564-5850.
FSA/Benny CardWhat is a Benny Card? A Benny Card is a debit MasterCard that allows you direct access to the money you have set aside out of your paycheck pre-tax to pay for eligible items. The card can pay for co-pays, deductibles, and other out of pocket medical, vision and dental expenses.
How do I get a Benny Card? By enrolling in the Flexible Spending Account (125 Plan), you will automatically receive a Benny Card.
What is the point of a Benny Card? The purpose of a Benny Card is to have immediate access to the funds you have set aside in the Flexible Spending Account. You will not have to bother with claim forms for reimbursement. The money is all there on the card right away, which will help with cash-flow issues.
What money is linked to my Benny Card? The money linked to your Benny Card is the Flexible Spending Account money that you have designated to come out of your check pre-tax every month.
How do I know how much money is on my Benny Card? Log into TPSC website
What expenses are eligible to use my Benny Card on? Click on the link for Eligible Expenses 125 Enrollment Packet
How do I use my Benny Card? It is as easy as swiping it at the pharmacy or doctor office. Choose "Credit" when sliding the card, and sign for the purchase. Just make sure to keep your receipts as they will be needed for back up, if TSPC has questions about your purchase.
How do I get reimbursed for Daycare expenses? If you enrolled in the Daycare portion of the Flexible Spending Account (125 Plan), a set amount is taken from your paycheck pre-tax each month. You will need a receipt from your daycare provider and a completed claim form submitted to TPSC to be reimbursed. Benny Card cannot be used for daycare expenses.
How does the 125 plan work for orthodontia? Typically the Flexible Spending Account (125 Plan) reimburses your for the entire out of pocket expense, up to your account limit, regardless of the amount in your account. However, Orthodontia can only be reimbursed as the services are incurred. This means that your orthodontist will need a treatment plan that shows how much they charge for the initial services and how much they charge for each visit after that. Then you can submit for reimbursement each month.
DentalWhat dentist can I visit? You can have services at any dentist. The dental plan pays reasonable and customary charges. Reasonable and Customary is determined by zip code and what 90% of the dentists in that area are charging.
What information do I give my dentist for my dental benefits? Give your dentist the card from TSPC, with the Argosy logo. Explain that TPSC is Argosy´s dental plan administrator, and they will pay your dental bills. Your dentist will then submit a bill to you with the remaining charges to be paid.
Does the Dental Coverage include fluoride treatment? Fluoride is covered for children regardless of age.
EAPHow can I take advantage of the Employee Assistance Program? Visit http://www.aetnaeap.com, choose Aetna EAP at login and enter the company ID: myargosy
Voluntary BenefitsAre Voluntary Benefits available? Argosy has some voluntary benefits you may take advantage of. Life Insurance, Accident Insurance, Cancer Insurance and Short Term Disability are available through Joe Peoples. Click here for benefits available. You pay the cost for these benefits.
More HelpWho do I call for help? You can all each of the customer service departments for your insurance or you can call our insurance broker JLR & Associates for assistance. 1-800-758-0218 or jlr@jlrassociates.com.
How can our Insurance Broker help and when should I call them? You can call our insurance broker for any issue or question relating to the medical, dental, 125 Plan, HRA, or voluntary benefits. JLR is available to assist you in any of these areas. 1-800-758-0218 or jlr@jlrassociates.com
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