Frequently Asked Questions Enrollment Questions Benefit Questions ENROLLMENT QUESTIONS: HOW DO I ADD A NEW EMPLOYEE? Complete an application (Blue Cross & Personal Choice Group Application/Change Form, Keystone Enrollment Form, and/or United Concordia Group Application) and a Membership Change Report and fax or mail it (please don't do both) to our office. These forms are located on our website, or contact our office and we will fax or mail them to you. I AM ADDING A NEW EMPLOYEE TO MY PLAN, SHOULD I INCLUDE THE PREMIUM? No, wait until we bill you. It may not appear on your invoice until the following month. We prefer that you pay as billed. HOW DO I REMOVE SOMEONE FROM MY PLAN? Complete a Membership Change Report and fax or mail it to our office. HOW DO I RECEIVE CREDIT FOR MY TERMINATED EMPLOYEE? Credit will be issued on the next month's invoice. HOW LONG ARE MY CHILDREN ELIGIBLE TO STAY ON MY COVERAGE? For most plans, unmarried dependent children may remain on your policy until the end of the month in which they reach the age of 19. If they are unmarried full time students, they may remain on your policy until the end of the month in which they graduate or the end of the month in which they reach the age of 23, whichever comes first. It is the responsibility of the insured subscriber to notify our office of any change in dependent status. WHEN SHOULD I ADD MY NEWBORN? Within the first 30 days of birth, complete an enrollment form and Membership Change Report and fax or mail it to our office. HOW DO I ADD OR REMOVE (DELETE) A DEPENDENT? Complete an application (Blue Cross & Personal Choice Group Application/Change Form, Keystone Enrollment Form, and/or United Concordia Group Application) and a Membership Change Report and fax or mail it (please don't do both) to our office. On the BC & PC application, please check the box next to Add Family Member or Remove Family Member. On the Keystone application, please check the Dependent Membership Change box and indicate whether you are adding or deleting a dependent. On either form, please complete the dependent information for the new or deleted dependent. These forms are located on our website, or contact our office and we will fax or mail them to you HOW DO I PAY MY PREMIUMS? DTL, Inc. will send you a monthly invoice along with a return envelope. Please send only your check and payment coupon in this envelope as it goes directly to our bank lockbox. All enrollment paperwork must be sent or faxed directly to our Hatboro office. The mailing address is: DTL Inc. 2 Red Barn Mall 120 S. York Road Hatboro, PA 19040 IF MY COVERAGE IS TERMINATED AM I ELIGIBLE FOR CONVERSION TO AN INDIVIDUAL NON-GROUP POLICY? When your termination is processed at IBC, they will send you a health certificate showing your dates of coverage. If you contact IBC they will send you a non-group invoice. Return to top   BENEFIT QUESTIONS: ARE PRE-EXISTING CONDITIONS COVERED? Yes, our group plans have a pre-existing waiver. IF I HAVE A CLAIM PROBLEM SHOULD I CALL DTL? Absolutely! Please call us with any questions or problems. We have a fully staffed Customer Service Department to act as a go-between for you and your insurance company. ARE THERE LIMITS ON THE DRUGS COVERED ON MY PLAN? Certain drugs have what's called "quantity edits." Blue Cross will only pay for the FDA maximum dosage on these drugs, unless your physician receives approval for an increased quantity. Your physician needs to contact Pharmacy Services at Independence Blue Cross to obtain this approval. Check the Blue Cross web site at IBX.com for a list of these drugs. HOW DO I CHANGE MY PRIMARY PHYSICIAN WITH KEYSTONE? You can contact Member Services at Keystone at 1-800-227-3114 and give your new primary care physician information over the phone. You may also fax or mail us a completed Keystone application with your new primary care physician listed on it and we will process the change for you. Changes are effective the first of the following month. AM I COVERED FOR SERVICES OUT OF THE AREA FOR PERSONAL CHOICE? If you have Personal Choice coverage you are able to receive health care services from any Blue Cross and or Blue Shield PPO Provider: 1. Go to BCBS.COM. Click the Blue Card Provider button and enter the state that you will be visiting. A list of participating providers with that state's PPO plan will be displayed. 2. You may also call 1-800-810-BLUE. 3. Schedule an appointment with a Blue Card Provider, present your ID card and pay the applicable co-pay. 4. The Blue Card Provider will file all claims for you. 5. PLEASE NOTE: When out of state, you are responsible for obtaining pre-authorization should the service require it. AM I COVERED FOR SERVICES OUT OF THE AREA FOR KEYSTONE? 1. Contact 1-800-810-BLUE to obtain the names of three Blue Cross/Blue Shield Traditional (Blue Card) Providers in the area in which you are traveling. 2. Choose a provider, then contact Keystone for authorization of services at 1-800-227-3116 prior to receiving care. 3. Schedule an appointment with the Blue Card Provider, present your ID card and pay the applicable co-pay. 4. The participating Blue Card Provider will file all claims for you. IS THERE COVERAGE AVAILABLE WHEN I AM OUT OF THE COUNTRY? Before you leave the US, check the Blue Cross web site at BCBS.COM for a list of participating international hospitals. Physician bills and drug bills need to be paid up front. Forward an itemized bill and copy of your receipt to our office for reimbursement. IS THERE A REIMBURSEMENT FOR FITNESS CENTERS? You can receive up to $150 when you complete 120 workouts within a year. Call the Health Resource Center at 1-800-ASK-BLUE for more information. IS THERE A REIMBURSEMENT FOR WEIGHT WATCHERS? You can receive up to $200 for the cost of the Weight Watchers program. Call the Health Resource Center at 1-800-ASK-BLUE for more information. IS THERE A REIMBURSEMENT FOR SMOKING CESSATION PROGRAMS? You can receive up to $200 when you complete your choice of smoking cessation programs. Call the Health Resource Center at 1-800-ASK-BLUE for more information. Return to top