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Frequently Asked Questions Insurance

Tribal Insurance Benefits

  • Please contact your tribal employer for the specific dates or the specific time period of your Initial Enrollment Opportunity.
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  • No.  However, you will have a free 31-day extension of coverage.  You are also eligible for Temporary Continuation of Coverage (TCC).  TCC is a feature of the FEHB Program that allows certain people to temporarily continue their FEHB coverage after regular coverage ends.  Former tribal employees are eligible for up to 18 months of TCC and to convert to an individual policy with the health plan in which you are enrolled.  The former tribal employee is responsible for the total premium in addition to an administrative fee.
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  • Open Season is the annual time when you can enroll, change, or cancel your FEHB coverage.
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    • If your tribal employer offers Leave Without Pay (i.e., unpaid leave), then yes, your coverage may continue for up to 365 days.  You must elect to continue or terminate enrollment. 
    • If you continue FEHB enrollment, you may pay premiums directly to the tribal employer or incur a debt to the tribal employer.  The tribal employer must pay premiums to the National Finance Center (NFC).
    • Nonpay status can be continuous or broken by periods of less than 4 months of pay status.
    • If you return to pay status, you must elect to enroll—it’s not automatic—and you have 60 days to enroll after returning.
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  • January 1st of the following calendar year.
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  • It is your opportunity to enroll in an FEHB health plan. You cannot enroll in the FEHB Program at any other time unless it is during the annual open season (approximately mid-November through mid-December each year) or if you experience a Qualifying Life Event.
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  • You will not have FEHB health insurance coverage.  You will not be able to enroll in an FEHB health plan until the annual open season (approximately mid-November through mid-December each year) or if you experience a Qualifying Life Event.
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  • Please contact your tribal employer to see if they permit the use of pre-tax dollars (i.e., premium conversion) to pay for insurance premium payments.
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  • Premiums vary by plan.  You may pay at a maximum approximately 30% of the premiums.  However, if you are a part-time tribal employee, your premiums will be pro-rated so your share of premiums  may be higher. Please contact your tribal employer for details.
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  • The QLE determines which action(s) may be taken:                                                                                                                   
    • Enroll in a plan in the FEHB Program, if not already enrolled
    • Cancel FEHB enrollment
    • Change type of enrollment (Self Only vs. Self and Family)
    • Change from one plan or option to another
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