|Frequently Asked Questions (FAQ)|
How can I enroll in Graphic Arts Benefit Corporation's benefits programs?
For information on coverage availability, contact GABC directly at (301) 474-7950 or by e-mail to firstname.lastname@example.org
How do I know my coverage is secured?
Graphic Arts Benefit Corporation is licensed by the respective Insurance Departments in the jurisdictions we serve-the Maryland Insurance Administration, the Virginia State Corporation Commission Bureau of Insurance and the District of Columbia Insurance Administration. In addition, Graphic Arts Benefit Corporation is registered with the National Association of Insurance Commissioners (NAIC). Each regulatory agency has strict standards of operation and require maintenance of reserves sufficient to meet obligations. GABC meets all requirements of the respective Departments.
Who processes claims and who would I call with any questions?
Claims are processed in the local offices of GABC and benefit checks are drawn on a local bank. Turnaround time for processing far exceeds the industry average with most claims processed within one week of receipt. Answers to questions on coverage or benefits are referred to a professional staff of Claims Representatives in the GABC office. An individual or service provider may contact the office by telephone or may send an e-mail.
Is there a deductible and if so how much is it?
All GABC Medical Plans have a deductible feature. However, this requirement may be waived when you use Preferred Providers. Review your individual plan provisions for more information on the amount of your calendar year deductible and possible waiver provisions.
Does the emergency room visit require notification to GABC?
GABC does not require that emergency room visits be ``pre-approved", however, you should be aware that visits to the emergency room in lieu of seeking medical attention from a private physician will result in a benefit penalty.
How do I obtain prescription medication benefits under the Plan?
GABC holds a service agreement with Express Scripts, Inc. to administer prescription medicine purchases under the medical plans. In addition to making purchases at a retail pharmacy, GABC members may also use Express Scripts' mail order service to purchase maintenance medications in higher quantities.
What is a certificate of prior coverage and how is it obtained?
New enrollments in the plan are subject to a 12 month ``pre-existing condition" exclusion. Recent federal legislation known as ``HIPAA" may reduce or eliminate this 12 month period. HIPAA allows transfer of periods of ``prior creditable" coverage under other insurance arrangements. Your prior insurer or employer should issue a certificate verifying your period of coverage, which must be sent to GABC at the time of your enrollment under the plan.
Are routine physical examinations covered and what are the benefits?
Routine physical examinations are covered based on U.S. Preventative Task Force Guidelines. Check your plan for specific benefits.
Is there a dental provider list?
the GABC plan you may use any qualified dental care provider, licensed
to provide the service you require. GABC has a service through Alliance PPO for voluntary use of a preferred provider panel whose participants discount fees for service for GABC members. To search for a provider in your area, click here.
How often can you have preventative dental services?
Preventive dental care is payable as follows: 2 cleanings and exams per year separated by six months; one diagnostic series or film payable in any 12 months.
Is there a vision provider list?
GABC recently Partnered with Avesis, a nationally known discount vision program to supplement a members medical plan of coverage. Providers who contract with Avesis agree to discount fees for routine vision examinations, lenses and frames, including contact lenses and discounted lasik procedures. No direct benefit is paid under the medical option.
For a complete list of participating Avesis providers in your area, click here