How does the hospital and/or facility preferred network plan work when I go out of the network?
You are free to utilize a network provider or a non-network provider at any time. However, the benefits payable under the Plan will be at a higher level if you receive your care from an in-network hospital or facility. In addition, if you go
out-of-network, you may incur other costs, in addition to any applicable out-of-network deductibles and coinsurance, such as:
• If your hospital or facility bills an amount above the level considered reasonable and customary by your Plan, you will be responsible for that entire difference, in addition to any other deductible and coinsurance responsibilities.
• You are responsible for obtaining any required pre-certification for certain inpatient admissions. If you do not obtain the required pre-certification in advance of treatment, the amount of benefits available will either be reduced or the expenses may not be covered at all.
• In some cases, you will be required to complete claim forms and file claims with your insurer in order to receive payment of benefits.
• Certain benefits which are eligible for reimbursement if you go in-network may not be reimbursable on any basis if you use a non-network hospital or facility.

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1. I'm getting divorced. Can I take my spouse off of my insurance?
2. What happens if I don't use my medical flex or child care account by the end of the calendar year?
3. How can I verify what networks my doctor participate in?
4. How does the hospital and/or facility preferred network plan work when I go out of the network?
5. What happens if my physician determines I need specialty care that is not available from any hospital or facility
6. Do I have medical coverage in a foreign country?
7. What happens to my network coverage for my dependent child who moved out of the area for college?
8. What is pre-authorization?
9. Do I ever need to file a medical claim form?
10. What if I lose my ID card or I need to request additional one?
11. When can it elect or terminate dental coverage?
12. Is there an open enrollment period for the 457 Plan?
13. Do I have to wait until the Benefits Enrollment period to update or make changes to my beneficiaries?
14. Do I need to update my address and phone number if it changes?