How many Benefits Cards will I receive?

You will receive two Cards free of charge. If you would like additional Cards for other family members, please complete an Additional Benefits Card Request Form. You can also order a replacement Card online by logging into your Member Account.

Is the Benefits Card just like other Visa® Cards?

No. The Benefits Card is a special-purpose Visa^® Card that can only be used for eligible health care/benefits expenses. It cannot be used, for instance, at gas stations or restaurants. There are no monthly bills and no interest.

How does the Benefits Card work?

It works like a Visa® Card, with the value of your account(s) contribution stored on it. When you have eligible expenses at a provider/merchant that accepts Visa Cards and uses an inventory control system, you can use your Card. The amount of eligible purchases will be deducted — automatically — from your account, and the pre-tax dollars will be electronically transferred to the provider/merchant for your immediate payment.

What is a Benefits Card?

The Benefits Card is a special-purpose Visa® Card that gives you an easy, automatic way to pay for eligible health care/benefit expenses without having to pay out-of-pocket for these expenses. The Card lets you electronically access the pre-tax amounts set aside in your accounts (except Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) accounts).

If I become covered under another group plan, may I continue my COBRA coverage?

No. Once you become covered under another group plan your COBRA coverage will end. COBRA is designed to provide “interim” or “gap” coverage until you enroll in a new health plan.

How do I report a change of address?

All address changes must be submitted in writing. If you move out of the service area for your health plan, you may be moved to a different health plan with a service area covering your new address. 

How do I add a new baby to my COBRA coverage?

A new baby is NOT automatically added to your COBRA coverage. You must notify Surency in writing within 30 days of the birth or adoption of the child. Failure to do so may result in your new child NOT being covered under COBRA.

What is the “Premium Computation Form” in my COBRA enrollment package?

This form is designed to show you how much premium you must pay to bring your coverage “current.” Your initial payment for COBRA coverage should include all premiums due from the date your “active” coverage ends through the date you make your initial payment.

Will I be able to change my current health or dental coverage?

At your initial enrollment in COBRA, you may drop dependents that were previously covered but you may not change the plan in which you are participating (i.e., PPO, HMO, indemnity plan, etc.) unless you relocate to an area where your current plan is not available.

Only dependents that were covered under your “active coverage” may participate in COBRA. You are not allowed to add dependents to COBRA that were not covered when you were an “active” plan participant.

Each year during the open enrollment period, you may be able to change the plan in which you are participating.  

You are allowed to drop a plan or dependent at any time during your continuation period. To drop a plan at initial COBRA enrollment, cross through the plan description on the enrollment form and write “decline” next to the plan you have crossed out prior to mailing.