Frequently Asked Questions

Medical Coverage

Please send an e-mail to your ORAU point-of-contact as soon as possible to request terminating coverage. Our insurance can only be termed on the last day of the month for the policy holder. Example: January 31, February 28, March 31, etc.

  • The Non-Employee participant program requires insurance throughout the appointment. The Non-Employee participant must provide proof of other coverage to their ORAU contact to terminate their insurance through ORAU unless their appointment is ending..

If a Non-Employee Participant enrolls in the insurance coverage, they must pay a minimum of one month’s premium, unless they cancel within one to two days of enrollment.

Once a Non-Employee participant enrolls in the ORAU insurance plan, (including the 30 day initial program entrance time) he/she must remain in the plan and pay the premium for at least three consecutive months.

  • Non-Employee Participants have 30 days from their insurance start date to change their mind about having ORAU insurance. If they go past the 30 day grace period, they are locked into our policy for 90 days from their insurance start date, unless they leave the program or have a qualifying life event. (Marriage, have a baby, get a new job, etc.).

If a Non-Employee Participant has outside coverage they have one to two days from the day they receive their Insurance Welcome Email to let us know if they would like ORAU to void the coverage with no cost. Otherwise, he/she will term their coverage after they pay the minimum of one month’s premium.

To add an insurance eligible dependent to their plan, the Non-Employee participant must reach out to their ORAU point of contact, and they will guide them through the process.

A non-employee participant will need to communicate their situation with their ORAU point of contact. The ORAU point of contact will notify HR and payroll immediately. The ORAU point of contact will instruct the non-employee participant on how to pay their premium while on leave from the program. The insurance premiums must remain current while he/she is on a leave of absence. Arrangements regarding insurance coverage must be had prior to the non-employee participant going on a leave of absence to ensure the insurance requirement is met.

Premiums will not be refunded to the Non-Employee Participant if the reason for the request is due to a Non-Employee Participant error. Please reach out to your ORAU contact with any questions.

COBRA coverage is only available to those non-employee participants who began their current appointment, or have been in consecutive appointments since before January 1, 2016..

If a Non-Employee Participant starts insurance coverage from the 1st-15th of the month, he/she will pay a premium in that month. If coverage starts after the 15th, the premium deduction will begin the following month.

  • If the Non-Employee Participant signs up for coverage after the 15th of the month, and then terminates before the end of that same month, they will owe that month’s insurance premium in accordance with the number 2 guideline above.

Coverage for the non-employee participants is always termed at the end of the month in which they separate, or request their coverage to end as they have procured outside coverage. Payroll will take the final premium in the month the coverage ends. If the non-employee participant leaves the program before enough stipend is earned to pay the premium, Payroll will deduct the premium first, which may result in a zero stipend check.

  • If a non-employee participant’s appointment is scheduled to term within the first 10 days of the next month, two premiums may be taken in the current month to cover the cost of insurance coverage for the current month and the next month in which the participant terms..

If the person is added before the 15th of the month, then they will pay the first premium that month. If they are added after the 15th of the month, the first premium for the addition will start the next month. If a dependent is enrolled in our coverage, at least one month’s premium for them must be paid before the dependent is termed.

HR Health Insurance will send a job aid to the participant within 2 business days of enrollment. If you do not receive the job aid with instructions on how to obtain a temporary insurance card after the insurance effective date provided by HR-Health Insurance, you should e-mail your ORAU point of contact immediately. Cards should arrive at the address listed on the application within 15 business days.

Once a Non-Employee participant has created a login (UserID and Password) for the BCBS website, please review the information to ensure all of it is accurate. If it is not, please communicate this with your ORAU point of contact.

If you forget your Password to the BCBS website, click on the Forgot / Reset Password button. Click that you are a member, and enter your User ID and click continue. Answer the security questions that you created when you initially setup your account. It will then prompt you to enter a new password and confirm your password. If you forget your Member User ID, click on the Forgot / Reset Password button. On the bottom it will say Forgot Your Member User ID? Click Retrieve my Member User ID. You will need the subscriber ID, Group Number, Date of Birth, and Zip Code. You should be able to find the subscriber ID and Group Number on your insurance card. If this does not work, please contact BCBS at the number on the back of your insurance card.

If these steps do not work, please contact BCBS Member Services directly at 1-800-565-9140.

Dependent is defined as your legal spouse and/or child to age 26 including:

  • Your children related by blood or marriage
  • A child 26 years of age or older who is disabled and dependent upon you for care
  • Children you have legally adopted
  • Children whom you have legal custody of
  • Children for whom you are required to provide coverage as part of a divorce decree
Note: No child can be a dependent of more than one participant.

If you reside outside of the state of Tennessee, please use BlueCard PPO (Outside of TN) as your network when searching for in-network providers. This includes doctors, pharmacies, hospitals, etc.

Dental and Vision Coverage

Participants must be currently enrolled in Medical coverage or applying for new Medical coverage to enroll in Dental and Vision.

Dental and Vision must be taken as a package deal. You cannot take Dental without Vision or Vision without Dental.

No. Medical, Dental, and Vision coverage must all be enrolled at the same coverage tier. For example, if you currently have Family coverage for Medical and want to enroll in Dental and Vision, you must enroll in Family coverage for those benefits as well. ORAU’s plans offer Individual, Member +1, and Family tiers for coverage options.

Yes, please see question numbers 2 and 3 above.

No, you are not required to have dental and vision coverage for your appointment. Only medical insurance is required.