Frequently Asked Questions

The annual enrollment period typically runs from October 15 through December 7. Changes made during this period take effect January 1 of the following year. Watch for enrollment materials in your mail and check our News page for announcements.

You can update your information by: (1) Calling Benistar at 1-888-588-6682, (2) Logging into your member portal, or (3) Completing and mailing the Address/Contact Update Form available on our Forms page.

You can set up Electronic Funds Transfer (EFT) for automatic premium deduction from your bank account. Download the EFT Authorization Form from our Documents page, complete it, and mail it to Benistar. Allow 30 days for processing.

Premium payments are due on the first of each month. If paying by check, mail payments to arrive by the 1st. EFT payments are automatically debited on the 1st. A grace period may apply, but late payments can result in coverage termination.

We accept: (1) Electronic Funds Transfer (EFT) - recommended for convenience, (2) Personal checks, (3) Money orders. Credit cards are not currently accepted for premium payments.

Pre-65 retirees can choose from several medical plan options with varying deductibles and premium levels. Dental and vision coverage is also available. See the current year's Plan Summary and Benefit Comparison Chart on our Plans page for detailed information.

When you turn 65, you must enroll in Medicare Parts A and B. Your DSRA coverage will transition to our Post-65/Medicare supplement plans. Contact Benistar 3 months before your 65th birthday to discuss your transition options.

Yes. Once you turn 65 (or become Medicare-eligible due to disability), you must enroll in Medicare Parts A and B to continue DSRA coverage. Your DSRA plan becomes secondary to Medicare.

The DSRA Post-65 plan is a Medicare supplement that helps pay costs not covered by Medicare, such as deductibles, copays, and coinsurance. It works alongside your Medicare coverage to provide comprehensive protection.

Yes. DSRA offers a Medicare Part D prescription drug plan for Post-65 members. You can enroll during your initial enrollment period or during the annual enrollment period (October 15 - December 7).

COBRA allows certain individuals to continue their health coverage after a qualifying event (such as death of the covered retiree). Eligible dependents may continue coverage for up to 36 months. Contact Benistar immediately after a qualifying event to learn about your COBRA rights.

COBRA participants pay the full premium cost plus a 2% administrative fee. This is typically more expensive than regular coverage since you pay the entire premium. Contact Benistar for current COBRA rates.

Life insurance benefit amounts vary. Review your Life Insurance Plan Overview document or contact Benistar to confirm your specific coverage amount and any age-related reductions that may apply.

Download the Life Insurance Beneficiary Designation Form from our Documents page, complete it, and mail it to Benistar. It's important to keep your beneficiary information current.

The HCTC is a federal tax credit that helps eligible individuals pay for qualified health insurance. If you receive a pension from the PBGC or meet certain trade adjustment assistance criteria, you may qualify. See our HCTC Information document for eligibility details.