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LIFE EVENTS

I’m Turning 26

Turning 26 is a big milestone — whether it’s you or your dependent child. Refer to this checklist for things to consider in this event.

  • Once your child turns 26, they’re no longer considered an eligible dependent for Alera Group benefits unless they’re disabled.
  • Your child’s coverage ends on the last day of the month in which they turn 26. Your child will be automatically removed from all coverage (e.g., medical, dental, vision, life).
  • You may be able to continue your child’s health care coverage (medical, dental, and vision) under the plan(s) in which they are currently enrolled through COBRA (the Consolidated Omnibus Budget Reconciliation Act). Or your child can search for a medical plan on the marketplace or through their employer, if applicable.
  • If your child is covered by the Alera Group child life insurance plan, Unum will mail you information about your options to continue that coverage, or you may contact Unum for details.

Once you turn 26, if you’re covered on your parent’s health plan, your coverage will typically end on the last day of the month of your 26th birthday. If you choose, you can enroll in Alera Group health coverage (within 60 days of your loss of coverage) or continue your current health coverage through COBRA. Alera Group coverage should be considerably less expensive than COBRA. If you elect Alera Group benefits, your contributions will be retroactive to the effective date.

Enrolling in Alera Group health coverage for the first time? Don’t stress — there are resources to help you choose the right benefits for you!

Online

When you make your benefit choices through the Alera Group Benefits Center, you can use the MyChoice Recommendation Engine to receive personalized recommendations based on your health care needs and preferences. You can also get decision-making support from the Sofia personal virtual benefits assistant as you enroll.

By Phone

Call an Alera Group Benefits Center Member Advocate at 888-850-1765 when you have benefits questions or need help enrolling in your benefits.

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Some Quick Definitions

Here are some important terms to know if you’re enrolling in health care coverage for the first time:

  • Coinsurance: The percentage of the cost you pay for covered services after you meet your deductible.
  • Copay: A fixed amount you pay for a specific service, like a doctor’s visit or prescription.
  • Deductible: The amount you pay for covered health care services before your insurance plan starts to pay. This is typically an annual amount.
  • Exclusions: Certain procedures or conditions that may not be covered by your plan.
  • Health savings account (HSA): A tax-advantaged account that allows you to save for qualified medical expenses when enrolled in a High Deductible Health Plan (HDHP).
  • Out-of-pocket maximum: The most you’ll pay for covered health care services in a plan year, including deductibles, copays, and coinsurance.
  • Premium: The amount you pay each month for your health insurance coverage.

MORE TO EXPLORE

Alera Group Benefits Center
AleraPerks Discounts Program
Employee Assistance Program (EAP)
Alera Group, Inc. is aware that there are persons fraudulently impersonating our company by using fake internet domains that appear to look like our legitimate services. If you are contacted by someone claiming to work for Alera Group, or any of our partners, please carefully review the email address and domain.
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