1
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Step
Flowchart - Medical Insurance: UN NY Aetna Medical Insurance
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Responsible Party
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Template/Guideline
Flowchart - Medical Insurance: UN NY Aetna Medical Insurance
HR_Insurance Plans_Aetna NY Medical Insurance Flowchart
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Explanatory Notes
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2
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Step
Enrollment of staff:
Application/Request for Change Form completed and submitted together with supporting documents in respect of staff member’s participation, including his/her eligible family members, where relevant
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Responsible Party
Staff member
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Template/Guideline
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Explanatory Notes
Staff members who have no insurance coverage under a United Nations plan or through a family member must be strongly urged to obtain medical insurance coverage for themselves and their eligible family members, as the cost of medical care can result in financial hardship for individuals who fall ill and/or injured and have no coverage
If staff member or eligible family members are not enrolled within 31 days after an event that gives rise to an entitlement for coverage, an application for coverage may be submitted during the annual enrollment campaign. See UN ST/IC/2014/15
In the case of a staff member married to another staff member, the insurance coverage, whether at the two-person or family level, must be carried by the higher salaried staff member
Education of staff about the provisions under the insurance plan and distribution of materials by the person most familiar with the scheme is absolutely necessary
If an office administers personnel on behalf of another agency, the same rules procedures for UNDP staff must be followed
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3
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Step
Enrollment of staff:
The completed application for enrolment form is certified and submitted to Insurance and Disbursement Services within 31 days of eligibility for the entitlement
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Responsible Party
BES/GSSC
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Template/Guideline
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Explanatory Notes
The administration of this category of employees is centralized in the Benefits & Entitlements Services Unit in GSSC/BES
The UN Health and Insurance Unit administers the workflow of enrollment and reporting directly with the insurance carrier on behalf of UNDP
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4
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Step
Enrollment of staff:
Staff member records in Quantum are validated, contributions are computed, and coverage is activated
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Responsible Party
UN Insurance Unit
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Template/Guideline
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Explanatory Notes
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5
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Step
Managing eligibility data in Quantum:
Data on enrollment form is verified and validated and any change in coverage is processed into Quantum promptly
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Responsible Party
,
UN Insurance Unit
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Template/Guideline
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Explanatory Notes
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6
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Step
Issue ID card:
Identity cards are issued to the staff member and eligible dependent(s)
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Responsible Party
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Template/Guideline
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Explanatory Notes
It is the responsibility of the staff member to ensure that the correct mailing address is submitted. Incomplete or incorrect mailing addresses in Quantum will result in misdirected mail or failure to receive important information
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7
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Step
Claims:
Insurance Claims are submitted on a claim form directly to the insurance carrier in a sealed envelope together with supporting documents, following the instructions on the claim form
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Responsible Party
Staff member
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Template/Guideline
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Explanatory Notes
Subscribers should note that claims for reimbursement must be submitted to the insurance carrier no later than two years from the date on which the medical expense was incurred. Claims received later than two years after the date on which the expense was incurred will not be eligible for reimbursement.
The administration and management of the health insurance plans for internationally recruited staff governed by the UN Staff Regulations and Staff Rules are administered by the UN Health and Life Insurance Unit. Any questions/queries on the provisions under the plan or any disputes regarding claims must be submitted directly to this unit, located at 304 East 45th Street, 3rd floor.
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8
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Step
Verification and reimbursement of claims:
Insurance carrier reimburses staff member directly
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Responsible Party
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Template/Guideline
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Explanatory Notes
Payment is made to the insured person, but, if the subscriber is no longer alive, payment will be made to his/her beneficiary as per P-2 Form Designation of Beneficiaries
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9
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Step
Request a review if a claim is denied:
A claim denied in whole or in part must be submitted to the insurance carrier. The insurance carrier will provide the subscriber with a written notice explaining the reason for the denial and the appeal procedure
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Responsible Party
Staff member,
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Template/Guideline
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Explanatory Notes
The request for review must be submitted in writing within 60 days of receipt of the notice. The subscriber should include the reasons for requesting the review and submit the request to the insurance carrier. The insurance carrier will review the claim and ordinarily notify the subscriber of its final decision within 60 days of receipt of the request. If special circumstances require an extension of time, notification will be given to that effect.
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