- Can PDF forms be submitted to ETF electronically or
must they be downloaded and mailed?
There is a budget initiative to enable electronic enrollments,
monthly reporting, etc., but there's nothing in place as of
now.
- Is there a possibility that ETF might make the Monthly
Health Reports fillable on-line? It would be advantageous to be
able to fill-in the forms since many employers have the same contracts
each month; it would be a time savings measure for employers.
ETF is always looking at ways to streamline reporting, but
currently forms must be downloaded, filled in manually and then
mailed to ETF. However, you may bring the document up, save
it in Word in your own directory and update each month as needed.
- How do you coordinate putting an employee on the Monthly
Additions Report (ET-2610) following a last minute health insurance
enrollment since health premium is due prior to the coverage month?
Add the new contract as soon as possible to the monthly report
with the understanding that there may be a retro adjustment.
Do not try to correct the current reporting month.
- How do I adjust premiums when an employee was reported
for several months under the wrong plan?
Use a Monthly Deletions Report (ET-2612) to delete the contract
from the incorrect health plan, taking the entire retroactive
premium adjustment (credit), and use a Monthly Additions Report
(ET-2610) to add the contract to the correct health plan, making
the entire retroactive premium adjustment (debit).
- What can an employer do when an employee doesn't notify
the employer about personal changes that affect their health insurance
coverage, such as divorce, and the employer is paying family premiums
when they should only be paying single?
The employer has the right to recoup from the employee the
difference between the family premiums paid and the single premium
actually owed for the period the employee failed to provide
proper notification. Once notified of a divorce, for example,
the ex-spouse must be offered COBRA and the proper forms must
be submitted to remove the ex-spouse from the subscriber's health
insurance.
- What happens when an annuitant's sick leave is exhausted
and it was being used to pay health insurance prermiums?
The employer must delete the annuitant from its employer-paid
annuitant group and ETF will set the annuitant up to have health
insurance premiums deducted from their monthly annuity. If the
annuity is insufficient to cover the health insurance premium
the annuitant will be set up for direct pay with their health
plan.
- The employer contributes the majority of our retirees'
health insurance premiums until they reach age 65, at which time
they have to pay the entire premium. What must the employer do
as far as completing and submitting forms to notify ETF once the
retiree turns 65?
Delete the retiree from the Employer-Paid Annuitant Coverage
and Summary Reports and the Group Health Insurance Transfer
Report (ET-1615). The Transfer Report is sent to ETF only.
- We have employees under various health plans. Can we
submit one monthly heatlh insurance check to cover everything
or do we need to send a separate check for each coverage group?
One check is acceptable.
- When switching an employee from one plan to another
do I use the Monthly Deetions Report (ET-2612) for the plan they're
leaving and a Monthly Addtions Report (ET-2610) for the plan they're
going to?
Yes.
- Will electronic health reporting be available in the
future? Having the monthly reports on-line is a big improvement.
ETF's goal is to automate health reporting and has it as a
future project.
- If an employer isn't notified by ETF that a student
is no longer considered a dependent (and that was the only dependent)
could a retroactive adjustment be made beyond the normal 2 month
retro adjustment?
Yes.
- One of our employer-paid annuitants will turn 65 in
December, at which time they are no longer eligible for employer
payment toward their health insurance premium. What happens then?
The annuitant must be deleted from Employer-Paid Annuitant
group. Also, complete the "From" portion of the Group
Health Insurance Transfer Report (ET-1615) and send it to ETF.
ETF will then get the Medicare information and work with him.
It wouldn't hurt to make a note on the Transfer Report that
he is also turning age 65 and will be eligible for Medicare.
That helps our staff do all the processing at one time.
