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Enroll in Continuation Medical Insurance Plan (CMIP)

Summary

Continuation Medical Insurance Plan (CMIP) is available on ending the Active Medical Insurance Plan (AMIP).

  • Eligibility
  • Considerations for Enrollment
  • Enroll self and/or eligible family members for medical plans into RMIP/CMIP within 60 days of AMIP coverage
  • Add a new born child to your CMIP after the initial 60 days from the start of CMIP

Eligibility

CMIP is for up to a maximum of 36 months from ending AMIP if enrollment has been made within 60 days from the date when the AMIP coverage ends. CMIP is available to:

  • Former staff covered by the MIP and their family members, who previously had AMIP coverage and are eligible for medical plans. Staff terminated for fraud or misconduct are excluded.
  • Divorcees.
  • Surviving spouse/registered domestic partner of an active staff member who is not eligible for Retiree Medical Insurance Plan (RMIP) as a survivor.
  • Biological or legally adopted dependent children or step-children of a current spouse or domestic partner registered with the World Bank Group upon attainment of 26 years of age.

    Exception: A child who meets the criteria of disability or handicap, as determined and approved by the insurance administrator, is eligible for continued AMIP coverage. The child’s disability or handicapped status must be determined and approved before the child’s 25th birthday or a month following the 25th birthday at the latest.
  • Newborn child of a CMIP member if, at the termination of the AMIP, the staff enrolling in CMIP is expecting a baby and has paid for the CMIP option that includes the coverage for the unborn child.

Considerations for Enrollment

Generally, a staff member enrolled in the CMIP may not add new eligible family members for medical plans as the result of marriage, birth, or legal adoption. However, if, at the time of termination of AMIP, the staff member or the person who wishes to participate in the CMIP is expecting a baby, s/he can pay for the CMIP option that includes the coverage for the unborn child. The newborn child would also be an eligible family member for medical plans when s/he is born.

The plan member pays the entire cost of CMIP coverage. This cost may be adjusted each year at the same time MIP premiums are adjusted, usually January 1 for active staff and retirees.

Billing is monthly, directly between Aetna and the plan member. The plan member is responsible for informing Aetna of billing address changes. Plan members can pay in advance for future coverage, but non-payment for any reason cancels CMIP coverage without possibility of reinstatement.

Attention:

The Bank Group cannot and will not intervene in any billing dispute.

Under CMIP, all AMIP provisions and benefits remain in effect. A CMIP member is subject to the same periodic plan design changes and premium adjustments as any other MIP member.

CMIP coverage is with the same administrator—Aetna or Cigna—that was in effect when AMIP eligibility ended. Currently, Aetna handles all monthly billing, even if CMIP claim administration is with Cigna International Health Services.

A plan member may reduce coverage at the time of enrollment into CMIP. Example: Family to individual. However, the plan member must remain in the same Active Staff Option or Retiree Plan with the same insurance administrator as the one during the group coverage.

 

Enroll self and/or eligible family members for medical plans into RMIP/CMIP within 60 days of end of AMIP coverage

Step

Action

 

Action by Staff/Retiree

01

Staff: Report applicable life event which will end AMIP eligibility for your dependent.

 

Retiree: When you resign from active employment and do not immediately enroll in RMIP, email HR Operations.

 

Action by HR

02

Process the request and a system-generated email confirmation will be sent.

 

Retiree/Non-Active Staff: The system-generated email will be sent along with the continuation form.

Note:

If the staff member is divorced or has dissolved domestic partnership, the staff member is obliged to facilitate CMIP for an ex-spouse/domestic partner by providing the appropriate forms in a timely manner.

 

When the child reaches age 26, you will receive a system-generated email with instructions on how to generate the continuation form, if needed.

 

Action by Staff

03

Staff: Download the MIP Continuation form for yourself and/or eligible dependent(s) via myHR Self-Service and send to your dependent(s). The continuation form will also be emailed to you within one hour after you generate it in myHR Self-Service.

04

Complete and send the application form and payment following the instructions on the form. The form will include premium cost.

Note:

An active staff member has 60 days from the 1st day of the month after the end of coverage date or the date of receipt of the confirmation email from HR, whichever is later, to download the continuation form from myHR Self-Service.

 

PayFlex handles the CMIP billing details for Cigna International members, even though claims are administered through Cigna International.

 

The applicant must enroll for CMIP coverage and pay for at least the first month of coverage within 60 calendar days from the end date of AMIP coverage—and not the date of notification, even if later. If this deadline is missed, the CMIP application is rejected without possibility of later submission.

05

Receive a bill from PayFlex and follow the directions included in it.

Note:

You can contact PayFlex at cobramail@payflex.com or call 888-678-7835.

06

Receive new member Identification (ID) cards from Aetna and CVS/caremark—and Cigna International, if applicable—at the mailing address provided during enrollment in CMIP coverage.

 

Add a new born child to your CMIP after the initial 60 days from the start of CMIP

A staff member enrolled in CMIP cannot add new eligible family members for medical plans as the result of marriage, birth, or legal adoption after CMIP enrollment. An exception is if, at the time of termination of AMIP, the staff member or an eligible family member for medical plans is expecting a baby and coverage for the unborn child was elected at the time CMIP commenced.

Step

Action

 

Action by Staff

01

Contact PayFlex to register the new child.

Note:

Contact information is on the monthly premium statement.

 

The Bank Group will not be able to update the new child's information in the HR database. Eligibility information for CMIP members is maintained by PayFlex directly.

02

Receive a bill from PayFlex and follow the directions included in it.

Note:

The processing time is generally five business days from the date of receipt of the request.

03

Receive the new member ID cards from Aetna and CVS/caremark—and Cigna International, if applicable—at the mailing address provided during enrollment in CMIP coverage.