Frequently Asked Questions about Insurance:
Who qualifies for the State's group insurance program
and premium contribution?
The State of Texas provides a financial contribution
toward the cost of health plans for employees who are
budgeted for full-time work for a period of
at least four and one-half months in a fiscal year in a
regular, salaried position.
I don't qualify for the employee health insurance plan. What can I
do to get insurance coverage?
To search for coverage online, you may
try one of the following free services. Collin College does not
endorse these search services nor does Collin College endorse any
individual health plan obtained using one of these services.
A new employee has only 30 calendar days from
the first day of employment to elect coverage other than health for employee only
and/or eligible dependents. Coverage other than health
begin on the employee's first day, if elected the first
day, or on the first of the month after the employee
enrolls, provided he/she enrolls within the first 30 days of
employment. Optional Term Life III and IV
require evidence of insurability (EOI) or proof of good health first, even for a new employee.
A new employee has 90 calendar days from the
first day of employment to elect or waive/decline health coverage for the employee and
eligible dependents without having to provide evidence of insurability
(EOI) or proof of good health. Health coverage for
employee only and/or eligible dependents that is elected during
the employee's first 90 days takes effect the first of the month
after the first 90 days.
The State of Texas covers the monthly premium cost
for Employee Only health coverage, which includes $5,000 basic term
life insurance and $5,000 AD&D coverage, medical and
prescription drug coverage, and vision exam coverage.
Additionally, Collin College pays the cost for Employee Only
Employees pay monthly premiums for dependent health,
dental, and life, and for AD&D and disability through monthly
Long term care is offered
through direct pay with John Hancock Insurance. No evidence of
insurability (EOI) is required for the employee if the employee
enrolls during his/her first 30 calendar days. EOI is always required for
a spouse. Contact John Hancock directly at 877-895-6762 for details.
are the monthly premiums?
Collin College insurance and TexFlex programs are administered
Employees Retirement System
of Texas, or
ERS, in Austin, Texas.
Contact ERS for more details:
http://www.ers.state.tx.us/home.aspx or call
Summer Enrollment - Every summer, an annual limited enrollment period is
held to allow employees to make certain changes to insurance and TexFlex
that they might not otherwise be able to make during the plan year
(September through August).
Changes must be made during the
designated period, usually part of July and/or August, with allowable
changes taking effect the following September 1st.
OnLine if you wish to make your changes online. You
must use your personal password assigned by ERS. Human Resources does not have your
password. NOTE: Some changes require that you
through the EOI process and receive approval from the
insurance company first. Changes that require EOI approval cannot be made
Information about Summer Enrollment opportunities and
the deadline is submitted to all employees via e-mail from
and Human Resources, starting in early May and
continuing through the last week of Summer Enrollment.
Frequently Asked Questions about Insurance
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