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Getting Started
How long will it take to process my enrollment, and when will I receive my ID card?
You can expect your plan enrollment to process in 48-72 hours. Once processed, you may access a digital ID card via your carrier's website and/or mobile app (see more below). Physical ID card shipment and availability are subject to the carrier and your enrollment date.
Aetna Medical: Physical ID cards will ship within 5-10 business days from the date your enrollment is processed in Aetna. You may download and print a temporary card via your Aetna account. Member WIDs can be access by navigating to the ‘You’ > ‘Benefits’ section of each U.S.-based employee’s Justworks account.
Lastly, if looking to access a digital version of your ID card, the Aetna Health app is available for iPhone and Android. Once you've registered for an account (same credentials as your Aetna online account), your home dashboard will show your WID number, along with an arrow to access your digital ID card.
Aetna Dental/Vision: Dental/Vision cards are not provided by the carrier. Use your social security number to provide proof of coverage.
Kaiser Permanente Medical: Digital ID cards are typically available prior to your effective date if you enrolled by the 15th of the month prior to coverage. Physical ID card availability is similar, is subject to your enrollment date, and is based on when the enrollment is received and processed by Kaiser.
You will receive physical ID cards for each family member enrolled. Only four ID cards can be sent in a single envelope, so if your plan has 4 or more members enrolled, you will receive two or more envelopes with the ID cards.
Metlife Dental/Vision: Dental/Vision (physical) cards are not provided by the carrier. Use your Metlife Member ID or social security number to provide proof of coverage. You can find your Metlife Member ID by navigating to the ‘You’ > ‘Benefits’ section
UnitedHealthcare Medical: Physical ID cards are set to ship to your home address prior to your effective coverage date. You may view and print ID cards once logged in to your myuhc.com account. If you need a new ID card, navigate to "Help" and then "How do I get a replacement ID card?". You will be able to request a replacement card for yourself and any dependents you may have on your plan.
Plan Structure & Administration:
How can I tell if my doctor is in-network?
First, find the plan or network at the top of each plan details PDF in Justworks. Your current network is also listed in the “Benefits” section of your Justworks account.
Then, go to the relevant provider website to see if your provider is "in-network" for the plan you selected. Links to each carrier's "Find a Doctor" website are below:
What happens to my deductible?
Learn more about deductibles and the deductible reset here.
What is a waiting period?
A waiting period is the length of time that a new employee must satisfy before becoming benefits-eligible and enrolling in insurance benefits upon joining a company. Justworks plans can include a 0-day, 30-day, or 60-day waiting period.
U.S.-based employee's health insurance coverage can only start on the 1st of the month, so it's important to note that once an employee's waiting period is completed, the coverage for the plan they select in open enrollment will be effective the 1st of the month following their benefits-eligible date.
Ex. The start date is September 9, with a 0-day waiting period. An employee will have from September 9th - October 9th to complete enrollment, with their coverage becoming effective October 1st.
Read more about waiting periods here.
Who can be a dependent?
Dependents include a spouse and children, as well as domestic partners, if you provide the proper documentation.
What’s the difference between a copay and coinsurance?
A copay is the dollar amount a member has to pay for a specific type of service or visit, regardless of its cost, before the deductible is met. Co-insurance is the percentage of costs that a provider will cover once an employee satisfies their deductible.
Check out our video explaining the difference between copays and coinsurance.
(For more information about health insurance terms, you can check out our Health Insurance Glossary).
When is FSA open enrollment?
FSAs are based on the calendar year, from January 1st to December 31st. If the benefit is available to you, open enrollment will occur in December for the following year. We'll contact you to let you know when open enrollment is beginning!
If you're currently enrolled in an FSA, be sure to use your funds before the end of the year, as they are "use it or lose it!"
What is an HSA?
A Health Savings Account is a pre-tax savings account for employees who are enrolled in a High Deductible Health Plan. Those who are enrolled in HDHPs will be able to contribute towards HSAs immediately once their plans are active. Learn more about HSAs.
When will my benefits be effective?
Benefits for new U.S.-based employees become effective on the first of the month after enrollment is opened, even if enrollment is opened on the first of the month. For example, if a company with no waiting period welcomes a new employee on 9/15, the employee’s benefits will be effective on 10/1. If the company had a 60-day waiting period, enrollment for this employee would open on 11/15, and benefits would be effective 12/1.
After the annual open enrollment period for all employees, any changes in coverage become effective on November 1.
I have questions about specific medical services, procedures, claims, or costs. Who can help me?
Employees with specific questions related to these topics should reach out to their carrier directly or Health Advocate. Health Advocate is a third-party resource that can help answer questions about plans and claims and provide help for finding specialists who accept your insurance. This service is available at no cost to anyone enrolled in a medical insurance plan through Justworks. The topics listed above typically involve “Protected Health Information” and can only be discussed with a HIPAA-compliant resource.
- Aetna Member Services: 866-208-5994
- UnitedHealthcare Member Services: 866-414-1959
- Kaiser Permanente MemberServices: 800-464-4000
- MetLife Member Services: 800-942-0854
- Health Advocate: 866-799-2728 or answers@healthadvocate.com
How can I tell if my medications are covered?
Good news! Your carrier has online tools for coverage, pricing, pharmacy search, etc. You can find more information on how to Find a Medication in our Help Center article.
I’m having trouble enrolling in the open enrollment opportunity in Justworks. Who can help me?
Please contact Justworks Support at support@justworks.com or 888-534-1711 and we’ll be happy to help out!
Disclaimer
This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.