FAQ's 

  1. Are state employees required to take insurance coverage?
  2. My spouse has better coverage. can I use that instead of the state insurance?
  3. Why must new born babies be covered under dental insurance?
  4. What is COBRA?
  5. I am a military reservist.  What happens if my unit is called into active service?
  6. How long may I have my children on my insurance?
  7. Some medical plan rates seem very high. How are premiums determined?
  8. My life has changed, i.e. address, marital state, dependents, name, etc. in some way, what do I do?
  9. If I am an HMO subscriber and find that my Doctor of many years has decided to leave the HMO and service area can I change my Health Plan to continue to see this Doctor?
  10. Who can be covered on my insurance?
  11. I can't remember, who is my beneficiary?
  12. Are state employees able to view personal benefit option information during the year using the EBC Benefits Administration System?
  13. What if I transfer to another state agency job?
  1. Are state employees required to take insurance coverage?
    Yes, requirement defined in Title 74 O.S. Supp. 2000, Section 1371.
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  2. My spouse has better coverage. can I use that instead of the state insurance?
    Oklahoma state statutes require that every state employee must purchase the basic plan of health, dental, basic life, and disability. Your Oklahoma state insurance will be the primary payer and your spouse's insurance will normally be the secondary payer
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  3. Why must new born babies be covered under dental insurance?

    The policy of "cover one, cover all" applies to all dependents, regardless of age.

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  4. What is COBRA?
    The 1985 Consolidated Ommibus Budget Reconciliation Act requires the state plan to offer employee and dependents the opportunity to continue temporay insurance coverage for 18 months to protect you when 
    a) terminated, b) hours are reduced, c) or you must leave for Military or education
    and coverage for 36 months in case of 
    a) employee death, b) divorce, or c) a dependent child reaches an ineligible age.
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  5. I am a military reservist.  What happens if my unit is called into active service?

    All re-instated military personnel are protected by the 1994 Uniform Services Employement and Re-employment Rights Act. Oklahoma provides four choices under current coverage:

    1) Discontinue total coverage of employee & dependents.
    2) Retain only life insurance coverage.
    3) Retain total coverage.
    4) Discontinue employee coverage and keep dependent coverage under COBRA

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  6. How long may I have my children on my insurance?
    Your unmarried children may be insured up to age 26.

    A dependent, who is incapable of self-support, and who has a disability that was diagnosed before the age of 23, regardless of age, may remain covered as long as the disability continues and the member remains covered on one of the health plans offered through the Employees Benefits Council.  Verification of continued disability must be provided upon request.
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  7. Some medical plan rates seem very high. How are premiums determined?

    Rates are determined by the population insured; in this case Oklahoma State Employees. Every plan offered by EBC accepted a specific invitation to bid and is required to follow a strict outline of offerings. The bulk if not all of the premiums are covered by the generous Benefit Allowance provided to every state employee by the Oklahoma State Legislature.

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  8. My life has changed, i.e. address, marital state, dependents, name, etc. in some way, what do I do?

    Find and contact your Agency coordinator, and fill out and submit a Change Form.

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  9. If I am an HMO subscriber and find that my Doctor of many years has decided to leave the HMO and service area can I change my Health Plan to continue to see this Doctor?

    No, you chose an HMO, not a Doctor. You must select another Primary Care Physician. You cannot make enrollment plan changes unless a qualified mid-year event has occurred. Administrative Rules

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  10. Who can be covered on my insurance?
    Any eligible dependent is allowed coverage on your insurance. For coverage eligibility view the Admistrative Rules.
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  11. I can't remember, who is my beneficiary?
    Beneficiary designation information will never be released by phone. Upon request this information can be mailed to you at the address listed in your personal information. If in doubt simply get a new form from your Benefits Coordinator or go to the HealthChoice/State Insurance Board site for a new form and redefine your designation.
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  12. Are state employees able to view personal benefit option information during the year using the EBC Benefits Administration System?

    Employees can continue logon and view only access throughout the year by using the login information provided each state employee during open enrollment. Currently, employee changes are allowed only during the designated Open Enrollment time of Option Period. Option Period dates are posted on this website under Events.

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  13. What if I transfer to another state agency job?

    Existing coverage will continue at your current agency until the end of the month of transfer. The agency you transfer to will continue your coverage from the first of the next month. No plan coverage changes are allowed during an agency transfer unless a qualified mid-year change such as a change of address has occured as well.

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