New Employee Enrollment

BluesEnroll – Online Enrollment
BluesEnroll is the quickest, easiest and most accurate way to manage your benefits plan. You’ll get a powerful set of online tools that allow you to manage your employee benefits with ease.

With BluesEnroll you’ll have less paperwork. Information is entered once and stored in a central database that you can access anytime. Updates, corrections, and useful reports are available at the click of your mouse.

Accurate billing
Timely ID cards
HR and employee access
Customized enrollment reports

Learn more about BluesEnroll now or contact your local BCBSKS group consultant for more details.

Initial Opportunity
An “initial opportunity” for enrollment is defined as the first opportunity in which the employee is eligible to enroll following completion of the Company Imposed Waiting Period (CIWP) if applicable.

CIWP is a period of time specified by the employer, during which the employee and any covered dependents are not eligible for benefits under the health insurance program. Standard waiting periods are 0, 30, 60 or 90 days.

Waiving a company-imposed waiting period may be done, provided the group’s request to waive the entire waiting period is received in writing prior to the 63rd day following the employee’s full-time date of hire. If the written request is received on or after the 63rd day, the entire waiting period will apply.

Notice of Enrollment Rights
Should an employee decline enrollment in your group health plan at his or her first opportunity, you will need to provide to the employee a notice of enrollment rights. This notice advises the employee of what to expect should he or she wish to enroll at a later date. This notice of enrollment rights can be found on the Waiver of Enrollment form. This is for the employers’ records.

Determining Effective Dates:

When the company-imposed waiting period expires other than first of the month — The effective date must be the first of the month following the completion of the company-imposed waiting period.
When the company-imposed waiting period expires on the first day of the month — The effective date must be that date.
When there is no company-imposed waiting period and the employment date is other than first day of the month — The effective date will be the first of the month following date of employment.
• When there is no company-imposed waiting period and the employment date is the first day of the month — The effective date will be the employment date.

Calculating Eligibility Dates
Eligibility dates are calculated using the formula below. All dates are converted to Julian dates. Julian dates are actual days of the year (May 10th is the 130th day of the year). Please use the Julian Date Charts to assist you in converting to Julian dates.

For example: Employment date of 5/10 converts to the Julian date of 130. The company-imposed waiting period is 90 days

130 Employment date — May 10 (converted to Julian date)
+ 90 Company-imposed (0, 30, 60 or 90 days) waiting period
= 220 Waiting period expires Aug. 8
+ 63 (Signed and received prior to 63rd day)
= 283 Must be received by BCBSKS before Oct. 10.*
Effective date would be Sept. 1

* Not eligible for first opportunity if signed or received on or after these dates.

Important:
The application must be signed and received by BCBSKS prior to the 63rd day following the date of hire or completion of the company-imposed waiting period.

Dental
Enrollment in dental at times other than the first opportunity, a qualifying event or open enrollment will not be allowed. Individuals must serve a 240-day waiting period for major services such as crowns, dentures, bridges, etc. under a ridered dental program (riders A and B). This waiting period does not apply to services received due to an accidental injury.

Voluntary Dental (Group size 1-9 only)

Enrollment must be the same as the health enrollment (i.e., single health; single dental). If an employee has BCBSKS health coverage through a spouse, voluntary dental is not applicable as the employee must have coverage through his/her group.
There are no quota requirements.
The dental program is not portable, except when rolling over into Plan 65.
Groups size 1 - 2 not electing to enroll at initial set-up, will not be permitted to enroll later. For groups size 3 and up this does not apply, and can be added the 1st of any month.
When voluntary dental is offered at new group formation, new enrollees may add voluntary dental only at their initial enrollment opportunity.