The budget impasse has
raised questions about health insurance coverage
when UIC personnel need to see
medical practitioners.
|
By Susan S. Stevens
YOU SPRAINED your ankle. Or, your child’s asthma has
flared up. You have insurance through your job at UIC, but your doctor wants
you to write a check or put the bill on your credit card. What do you do?
FIRST OF ALL, yes, you still have insurance despite
the State of Illinois having no budget for this fiscal year. It simply is that
the Illinois Central Management Services (CMS), the unit of State government
that handles employee insurance, does not have the legal authority to pay
claims or premiums to vendors providing fully insured HMO coverage. Those
payments stopped in September last year. (See further details toward the end of
this article.)
EMPLOYEES WITH fully insured HMO plans should have no
problem. These -- such as BlueAdvantage, HMO Illinois, Health Alliance, and
Coventry HMO -- have agreed to continue paying claims to healthcare providers
on their normal schedule.
BUT FOR the others …
Who can help you?
THE STATE of Illinois pays the direct cost of
each claim, rather than paying a monthly premium, to the Quality Care Health Plan
(QCH\IP) and two Open Access Plans (OAPs). The State has placed these payments
on hold. Katie Ross, Senior Director
of Human Resources Administration, University of Illinois, said out-of-network
dental and mental health providers have been asking employees to pay up front
and await reimbursement.
SEEK TREATMENT as needed, according to CMS. “As a
covered plan participant, your medical, prescription, dental and vision
coverage is still in effect and has not been reduced in any way. Claims
continue to be processed by the plan administrators in accordance with the
applicable plan design.”
IF YOU are asked to pay up front for a service, contact the
administrator of your insurance plan, CMS said. “Your plan administrator will
contact the provider to try to find a resolution. If a resolution cannot be
reached and the provider continues to ask for an upfront payment, you should
make arrangements with your provider to be reimbursed once the provider
receives payment from the plan, including any interest that may apply to your
claim.”
FOR IN-NETWORK providers, only your normal co-payment
or co-insurance should be requested. However, if your doctor, pharmacist, or
other health care provider insists on immediate payment, and you cannot pay,
contact your plan administrator immediately. You should find a phone number on
your insurance card.
Phone numbers
for:
Cigna: 800-962-0051
HealthLink OAP 800-624-2356
Coventry OAP 800-431-1211
Delta Dental 800-323-1743
Cigna: 800-962-0051
HealthLink OAP 800-624-2356
Coventry OAP 800-431-1211
Delta Dental 800-323-1743
IF YOU still do not have the right phone number, call the Central
Management Services Group Insurance Division at 217-558-4486 during normal
business hours.
ROSS POINTS to a set of frequently
asked questions on the CMS website: http://www.illinois.gov/cms/Employees/benefits/StateEmployee/Documents/Budget_Impasse_FAQs_092415.pdf
EMPLOYEES WHO have a specific question or concerns regarding a medical claim
payment can contact the CMS Member Services group by phoning that 217-558-4486
number or emailing CMS.WebsiteBenefits@illinois.gov.
FOR INQUIRIES regarding the State’s hold on dental claims: 844-350-4432.
General customer service questions, including claims, should continue to be
directed to 800-323-1743.
What to expect in the
future?
DESPITE THE budget impasse, insurance premiums are still being deducted from your paychecks. That will continue. Some good news: if you pay your medical bills yourself, you may be offered nine percent interest when the State reimburses you if payments are delayed too long.
CMS SAID it will update information as it
becomes available at http://www.illinois.gov/cms/Employees/benefits/StateEmployee/Pages/QCHPQCDPClaimPaymentDelay.aspx
A CMS spokeswoman issued the following statement March 22:
“DUE TO decades of fiscal mismanagement, the
State Employee Group Insurance Program has been underfunded for years.
Healthcare providers and carriers have regularly managed payment delays of
eight months or longer. These payment delays will continue until the General
Assembly passes a balanced budget. We are hopeful that the General Assembly
will act soon to pass a balanced budget and enact real reforms so claim payments
to our group health insurance program can resume.
“CMS AND the health plan administrators are
working diligently with healthcare providers to try to avoid having providers
charge members up front for services and to ensure there is no interruption of
service. Any state group health insurance member having any problems receiving
services should first contact their health plan administrator directly for
assistance. Members may also contact the CMS Group Insurance Division at
800-442-1300 for further assistance.”
CMS ADDED: “A list of all healthcare vendor
websites and contact information is available at www.benefitschoice.il.gov.”
State employee contract
unsettled
ALONG WITH the State budget, a new contract for
the State’s largest employee union – AFSCME – is in limbo. Negotiations have
been underway for months. While the negotiations cover the full range of
employee benefits, such as salary, they also pertain to insurance.
GOVERNOR BRUCE Rauner said in a statement Jan. 15 that only
employees who choose the State’s “expensive, platinum health plan will see
twofold increases to help cover a fraction of the cost of this plan.” He said
AFSCME was “misleading at best” when it said the State would double health
insurance premiums. Rauner said no increase in premiums was proposed except for
the platinum policyholders.
EVERYTHING IS on the table, University of Illinois
President Timothy Killeen said in a
March 7 letter to the UIC Academic Professional Advisory Council Executive
Committee and others. Rauner is seeking a ruling from the Illinois Labor
Relations Board (ILRB) confirming that an impasse has been reached. “The
Governor continues to urge that AFSCME take the State’s ‘best and final’ offer
to its membership for a ratification vote, and the State may be able to
implement its last offer if the ILRB agrees that an impasse exists,” Killeen
wrote.
KILLEEN ALSO noted that the University will broadly
communicate any changes for the University community.
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