Frequently Asked Questions
When you register on the Meritain portal, you will have access to print an ID card, view your claims, or find an in-network doctor. Visit https://account.meritain.com/Portal/Registration and input your Group ID, which is 17711. You will also need your Member ID, which is located on your ID card.
If you do not have your ID card, please feel free to contact your benefits advocate to obtain your Member ID.
You are required to update your Meritain Coordination of Benefits information every year so that they can properly process your claims.
Coordination of Benefits information confirms whether you and/or your enrolled dependents have insurance coverage other than your employer's and if so, what that other insurance is, so that they can determine proper payment responsibilities for claims. If your Coordination of Benefits is updated yearly or as requested, your claims will be processed.
Click here for the Coordination of Benefits form. If you’d like to complete the Coordination of Benefits online, you can do so once you are registered on the Meritain portal.
Telemedicine lets your health care provider provide care for you without an in-person office visit. Telemedicine is done primarily online with internet access on your computer, tablet, or smartphone, or by phone.
When you are enrolled in a Klinge medical plan, you have access to the the Teladoc mobile app, which is your personalized telemedicine app.
With Teladoc, you can speak with a U.S. board certified doctor 24/7 by phone or video for many non-emergency illnesses.
​
Phone: 1-800-DOC-CONSULT (362-2667)
Web: www.teladoc.com
​
Learn more:
​
Download the app:
A QLE is a change in your situation, like a marriage, divorce, or having a baby, for example, which allows you to make changes to your health insurance. Take a look at this document for more information.
You have 30 days to submit your changes online through our benefits enrollment form.
Here's an overview of qualifying life events from Healthcare.gov.
Please let HR or your benefits advocate at Lacher know when you have a QLE.
You will need to submit required documents to HR or your Lacher benefits advocate. Click here for a checklist of required documents.
You can make plan changes and enroll dependents during open enrollment, or if you have a qualifying life event, by visiting the Enroll Now page on this benefits website.
First, make sure you compare the bill you received with the EOB from the insurance. If you need to locate an EOB you can find one by logging into your account at www.meritain.com. If the bill does not match the EOB, please contact your Lacher benefits advocate for further assistance.
While regular medical care focuses on treating illness, preventive care aims to keep you from getting sick in the first place by focusing on helping you maintain good health. When you visit your doctor for a preventive care service - like a physical exam or a health screening - you should not be billed. However, if you ask your doctor about a specific health concern while you are at your preventive care visit, it may be billed as an office visit, and not a preventive care visit.
Here’s how to be sure your preventive care visit is free for you:
Mention prevention upfront – When scheduling your appointment, confirm that you are scheduling a preventive care visit.
Know what to discuss with your doctor during the visit – During your visit, keep the conversation focused on how you can maintain a healthy lifestyle.
Ask your doctor - If you do ask questions about a specific health concern while at your visit, ask your doctor if that will be treated as an office visit or as a preventive visit. Let your doctor know you are expecting this visit to be of no charge to you.
For more information about preventive care, contact your Lacher benefits advocate.
Take a look at this flyer to learn about your choices when it comes to where you should receive care.
High level overview:
Primary Care Physician - This is your home base. Your doctor knows your history and is a good place to start. Cost to you:
HSA plan - Once you pay your deductible, there is a 20% coinsurance charge.
PPO plan - $30 copay per visit.
Emergency Room - Go to an ER when you have a life-threatening issue. Cost to you:
HSA plan - Once you pay your deductible, there is a 20% coinsurance charge.
PPO Plan - $200 copay per visit, which is waived if admitted.
Urgent Care - Consider an urgent care center for non-life threatening condition. You'll save time and money over the ER. Cost to you:
HSA plan - Once you pay your deductible, there is a 20% coinsurance charge.
PPO Plan - $75 copay per visit.
Telemedicine - Consider using the Teladoc app for non-life threatening conditions, and when you need 24/7 care. Download the Teladoc app now on iPhone or Android. Cost to you:
HSA plan - Once you pay your deductible, there is a 20% coinsurance charge.
PPO Plan - $10 copay per visit.