Locate your hospital HERE to find your specific Pay Cycle Calendar.

Upgrading To Optimum

Any plan member can apply to upgrade to the Optimum health plan at any time. To be considered for the Optimum health plan, a plan member must submit a Statement of Health form (Form 2) and go through the medical underwriting process. Acceptance into the Optimum health plan is not guaranteed.

Upgrading From Complete to Complete Plus

The Complete and Complete Plus health plans are available during an open window. A plan member who wishes to enroll in the Complete health plan cannot upgrade to Complete Plus at a later date.

Upgrading From Essential to Essential Plus

Plan members in the Essential health plan can upgrade to Essential Plus at any time.

Adding Dental Coverage

Plan members can add dental to their health plan at any time.

Removing Dental Coverage

A plan member that has chosen to cancel dental coverage and remain on the plan for Extended Health Care may have a one-time opportunity to re-enroll into the dental plan with the following restrictions:

The maximum limit for dental coverage will be $250 for Basic and $375 for Enhanced for the first year following the effective date the dental coverage is reinstated.

Premiums will be collected; however dental coverage will be suspended until the 4th month.

If the plan member chooses to pay premiums going back to the cancellation date he/she may do so and full dental coverage will be reinstated and no restriction will be applied.

All HCP plans renew on November 1st. 

Rates are subject to change on this date regardless of your plan effective date.

Complete or Complete Plus Health Plans

Complete and Complete Plus health plans are only available in a 60-day open window. Should a plan member terminate and wish to re-enroll, they will not be guaranteed complete or Complete Plus if they are outside of a 60-day open window.

Returning To Optimum After a Lapse in Coverage

Once terminated, as soon as there is a lapse in coverage, a plan member must reapply to the Optimum health plan and undergo medical underwriting. The Optimum health plan is not guaranteed.

It will not change automatically but you may be eligible to apply for our basic life, ADD&D & LTD benefits. If you are a permanent part-time or casual employee and are now working more than 18 hours per week on average, contact our office to learn more.