Q. Who is an eligible dependent?
A. Your eligible dependents are your lawful spouse and your unmarried children (who depend on you for support), from birth through age 18, through age 24 if a full-time student, or through any age if handicapped and unable to earn a living. This definition may vary from state to state.

Q. When does my coverage begin and end?
A. Your coverage begins the first day of the pay period following a premium deduction. Coverage for all of your benefits under the program will end if (1) the required premiums are not paid; (2) you are no longer an eligible employee; (3) the insurance policies terminate; or (4) you enter an Armed Service on full-time active duty.

Q. When does dependent coverage begin and end?
A. Your dependents’ coverage begins when yours does, unless you enroll them later. If you do, their coverage will become effective after the written enrollment is approved and the premiums have been paid. Their coverage ends when yours does or when the dependent is no longer eligible.

Q. What happens if I miss a premium payment?
A. For any given pay period, if you haven’t earned enough to have your premium deducted from your pay, you can ensure your continued coverage by sending the full premium directly to ASRM. If you missed more than one pay period in a row, you must make up all missed, consecutive premium deductions. If you do not, claims will not be paid for losses or expenses that occur during an unpaid period. Premiums due must be mailed within 45 days after the end-date of the pay period from which the premium would have been deducted. If a missed premium is overdue by more than 45 days, it cannot be made up. The Summary Plan Description that you received includes a Missed Premium Payment Form, which you can copy and use as needed.

Q. Do I have to use certain doctors, dentists or hospitals?
A. No. You are free to use any licensed doctor or dentist, or any certified hospital.

Q. What is a beneficiary?
A. Your beneficiary is the person you name to receive the benefits of any term life or accidental death coverage you may have in the event of your death. You can name anyone you want to be your beneficiary.

Q. What is a deductible?
A. A deductible is the amount of money you must pay for eligible expenses before the dental plan begins to pay benefits.

Q. Does the medical plan cover maternity?
A. Yes. Maternity is a covered expense.

Q. What does “per confinement” mean?
A. It means each separate time you are admitted to a hospital as an inpatient. However, if you are readmitted to a hospital within 7 days of an earlier hospital confinement for the same or a related cause, the second admission will be considered a part of the first confinement.

Q. Does the medical plan cover reconstructive surgery following a mastectomy?
A. Yes. A covered person who has a mastectomy is covered by the medical plan for reconstruction of the affected breast, surgery and reconstruction of the other breast for appearance, and for prostheses and any physical complications at all stages of mastectomy (including lymphedemas) as determined by the attending doctor and patient. These services are subject to the same maximums and limits that would apply with respect to eligible expenses for any other covered loss.