How do I calculate my rate?
Premium contributions for both the member and spouse are based on the member's age and increase as the member grows older. Rates also increase when a member is a tobacco user. Premiums may be periodically increased on plans to reflect plan utilization and help ensure their financial stability.
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Can my spouse apply for coverage?
Yes. Your spouse may apply if he/she is under age 60, and resides in the U.S. Your unmarried dependent children ages 14 days through 18 years (25 if a full-time student) are also eligible for coverage—provided you are currently insured or request coverage.
How long does the application process take? When will my coverage become effective?
For some plans, coverage becomes effective within a few days of receiving your application. For others, the process is longer because of required medical underwriting procedures. The underwriting process depends on many factors: the number of people requesting coverage, their ages, the amount and type of coverage applied for, and medical history.
Do I have to take a medical exam, blood test, or other health analysis?
Whether or not you must undergo medical testing depends on the plan and amount of coverage you are requesting, your age, and your individual medical history.
Who administers the program?
The NSPE Group Insurance Program is administered by Pearl Insurance. Pearl Insurance strives to provide NSPE members with the most relevant, competitively priced member benefit insurance packages for individuals and their families.