Enrollment and Benefits
Welcome to MyTPSBenefits.com!
Please take time to go through the materials this site.
Choose your benefits carefully. Once enrolled, you can change your benefits only if you have a qualified status change defined as the occurrence of one of the following events:
- Birth of your child
- Your legal adoption or placement in your home for adoption of a child
- Your marriage
- Loss of eligibility for any reason (including, without limitation, legal separation, divorce/death)
- Change in employment status of spouse
- Coverage under COBRA continuation has ended, or
- Your coverage under your spouse’s plan has changed resulting in a substantial loss of coverage or a substantial increase in the out-of-pocket cost of your spouse’s plan, including premium cost
If you have a qualified status change as defined above, you must report the change to Human Resources within 30 days to make changes to your coverage. If you fail to meet the 30-day notification requirement, you will not be allowed to make changes to your coverage until the next Open Enrollment period.
Cost Versus Benefit
There are two ways you can contribute to the cost of your health plan:
- Your premium costs which are deducted from your paycheck.
- Your out-of-pocket costs associated with deductibles, coinsurance and copays at the time of your service.
When making your decisions, consider both sides of the equation. Review the level of coverage that is needed by you and your family along with where you spend your money on healthcare. Ask yourself the following questions:
- How often does my family see a doctor?
- What are the ongoing medical needs of my family?
- What prescription drugs do we take and what is the cost of those drugs? What pharmacy am I using?
- Do you consider yourself “healthy”?
- Am I paying for coverage that I don’t use?
New Hire Eligibility and Annual Open Enrollment
Please refer to your plan description for full details regarding eligibility. Once eligible, you will have 30 days to make your selection.
Each year, TPS holds an annual Open Enrollment. This means that all eligible employees can either select benefits or elect changes to their current benefit selection.
Dependent Coverage
Spouses are also your dependents when covered by the TPS insurance plans. Your spouse must be your legally married spouse under the law.
Dependent child(ren) can be covered as follows:
- Dependent child(ren) as defined per the IRS regulations up to age 19.
- Child(ren) age 26 will be covered until the end of the month which they turn 26.
- Child(ren) of a covered dependent child who is not yet 18 years of age.
- Unmarried children who, because of a mental or physical handicap, depend solely on you for support may be covered regardless of age. Proof of your adult dependent’s disability is required to obtain coverage.
- Proof of dependent status in the form of a birth certificate, legal or adoption paperwork, etc. is required to add a dependent to your medical coverage.
Spousal Surcharge Provision
TPS has a Spousal Surcharge in place. If your spouse is eligible for and can enroll for Medical/Rx coverage through his/her employer and declines coverage to enroll in TPS’ plan, an $800 per year surcharge will apply. The surcharge will be paid to TPS in portions during each payroll period. This surcharge applies to Medical/Rx coverage only.
