Haris Ashley
If you are a UPS employee, you can sign up for medical insurance through the UPS website. UPS offers its employees medical coverage with low deductibles and maximum coverage. Full- and part-time Teamsters-represented employees get healthcare benefits with no premiums and very low or no co-insurance and co-pays. If you are not a UPS employee, you can apply for health insurance through an approved enrollment partner, like an insurance company or online health insurance seller. The open enrollment period for 2023, for example, was from November 1, 2022, to January 15, 2023.
| Characteristics | Values |
|---|---|
| Open enrollment period | November 1, 2022 - January 15, 2023 |
| Enrollment website | www.upsers.com |
| Enrollment phone number (US) | 1-844-877-8588 |
| Enrollment phone number (outside US) | 1-678-505-4371 |
| Employee benefits | No premiums, low deductibles, low or no co-insurance and co-pays, multiple options |
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What You'll Learn
UPS employee medical insurance benefits
UPS offers its employees a comprehensive benefits package, including medical, dental, vision, hearing, and behavioural health coverage. This package is available to both full- and part-time employees, with no premiums and very low or no co-insurance and co-pays.
The medical coverage includes preventive care, hospitalization, and prescription drugs. UPS also offers low deductibles and maximum coverage, with multiple options to choose from.
Part-time employees who work 225 hours in three consecutive months are eligible for the same healthcare coverage as full-time workers. However, they do not have access to disability or life insurance.
UPS also provides a pension for Teamsters-represented employees, whether full-time or part-time. The company contributes more than $23,000 annually to full-time employees' pension plans. Additionally, UPS offers a 401(k) plan with a company match for non-union members.
UPS employees also have access to paid vacation days, holidays, sick leave, and personal days. They can take advantage of a range of employee discounts on products and services, including travel and entertainment.
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Open enrollment period
The open enrollment period is an annual window of time, typically in the fall, when you can sign up for health insurance, adjust your current plan, or cancel your plan. It usually lasts a few weeks and occurs in most states from November 1 through January 16. For example, the open enrollment period for 2023 was from November 1, 2022, to January 15, 2023.
If you get health insurance through your job, your employer sets the open enrollment period, usually in the fall, so that your benefits can start at the beginning of the calendar year. Medicare's Annual Enrollment Period (AEP) is from October 15 to December 7 every year. During this time, you can join, switch, or drop a plan. If you don't make any changes during the AEP, your current plan will automatically renew for the next year.
It's important to note that you can only sign up for insurance coverage on the Marketplace during the open enrollment period, unless you qualify for a special enrollment period or are eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP). Special enrollment periods are periods outside of open enrollment when you can enroll in or change Marketplace plans due to certain life events or changes in your income. Qualifying life events may include losing your insurance coverage, getting married, losing coverage due to divorce, or becoming a parent.
To prepare for the open enrollment period, you can sign up for email reminders to receive deadline notifications and other important information. During this period, you can seek free, non-biased personal help to fill out your application, review your choices, and enroll. Help is available in various languages, and you can search for local organizations that can assist you with the application process.
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Application and enrollment process
The application and enrollment process for medical insurance can vary depending on the specific insurance provider and your individual circumstances. Here is a step-by-step guide to help you navigate the process:
- Understand the Open Enrollment Period: The open enrollment period is the designated time frame during which you can sign up for health insurance. For example, the open enrollment period for 2023 started on November 1, 2022, and ended on January 15, 2023. It's important to mark these dates on your calendar to ensure you don't miss the opportunity to enroll.
- Check for Employer-Provided Insurance: If you are employed, check with your employer to see if they offer medical insurance as part of your benefits package. UPS, for instance, offers medical coverage to its employees, including full- and part-time Teamsters-represented employees, who get healthcare benefits with no premiums and low co-insurance and co-pays.
- Explore the Marketplace: If you are not covered by your employer, you can explore the Health Insurance Marketplace. The Marketplace is a platform where you can compare and choose from a variety of health insurance plans offered by different providers. You can visit Healthcare.gov to learn more about the Marketplace plans and find local organizations that can help you apply for coverage.
- Determine Your Eligibility: Different insurance plans have varying eligibility criteria. Some plans may have restrictions based on your location, income, family size, or other factors. Carefully review the eligibility requirements for each plan before applying.
- Gather Required Information: Before starting your application, ensure you have all the necessary information and documents. This may include personal information such as your date of birth, Social Security number, and income details. You may also need information about your current health status, any pre-existing medical conditions, and your preferred healthcare providers.
- Complete the Application: Once you have selected a plan that suits your needs, carefully fill out the application form. You can do this online or with the help of an approved enrollment partner, such as an insurance company or online health insurance seller. If you need assistance, non-biased help is available through various organizations, and some may offer in-person support.
- Wait for Eligibility Results: After submitting your application, you will typically receive eligibility results within a couple of weeks. This may vary depending on the insurance provider and your location.
- Enroll in Your Chosen Plan: If you are eligible, you can proceed to enroll in the selected health insurance plan. This may involve choosing specific coverage options, such as adding dependents or selecting a preferred provider organization (PPO) plan.
- Understand Special Enrollment Periods: Keep in mind that outside of the open enrollment period, you may still be able to enroll in a health insurance plan if you qualify for a special enrollment period. Qualifying life events, such as losing your existing insurance coverage or experiencing certain family changes (marriage, divorce, or having a child), may make you eligible for a special enrollment period.
Remember to carefully review the specific instructions and requirements provided by the insurance company or the Marketplace during the application and enrollment process.
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Eligibility criteria
To be eligible for medical insurance at UPS, you must be a full-time or part-time Teamsters-represented employee. UPS offers its employees comprehensive medical, dental, vision, hearing, and behavioral health coverage. This includes preventive care, hospitalization, and prescription drugs.
Part-time employees who work 225 hours in three consecutive months are eligible for the same healthcare coverage as full-time workers. However, they do not have access to disability or life insurance. On the other hand, full-time employees need to work 400 hours within three months to be eligible for benefits.
If you are a part-time employee and have worked 225 or more hours for UPS in a three-month eligibility period but fewer than 400 hours, you qualify for TeamstersCare coverage, which varies in benefits and eligibility criteria. If you work 400 or more hours in a fixed eligibility period, you will receive the same benefits as full-time employees for the corresponding three-month coverage period.
If you have a disability that prevents you from working, including pregnancy, you are eligible for the TeamstersCare Weekly Disability Benefit. This benefit will pay you a weekly amount for up to 26 weeks, calculated based on your hourly rate of pay and the number of hours worked during your most recent eligibility determination period. To be eligible, you must submit the appropriate form, filled out by you, your employer, and your doctor.
Additionally, UPS provides a life insurance benefit for eligible employees and their spouses and dependents. If an employee passes away from any cause, on or off the job, TeamstersCare pays their beneficiaries a benefit of $50,000. If an employee is diagnosed as totally or permanently disabled and their disability is likely to result in their death within 24 months, they are eligible to receive up to 75% of their total $50,000 life insurance benefit while alive.
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Customer support
If you are a UPS employee, you can enrol in medical benefits through www.upsers.com by clicking on myHR and then the Benefits Resource Center. If you encounter any issues, you can call 1-844-877-8588 (8 a.m.-7 p.m. EST) if you are in the US or 1-678-505-4371 if you are outside the US.
For existing customers with questions about their account or shipments, UPS Healthcare™ Customer Care can be reached at 1-800-377-4877. Alternatively, you can email [email protected] with your account number and inquiry details, and a representative will respond within two business days.
UPS offers its full- and part-time Teamsters-represented employees healthcare benefits with no premiums and low or no co-insurance and co-pays. The company also provides pension plans for these employees, which are a rarity for part-time workers.
If you are not a UPS employee, you can apply for health insurance through an approved enrolment partner, such as an insurance company or an online health insurance seller.
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Frequently asked questions
You can enroll through www.upsers.com by clicking on myHR and then the Benefits Resource Center. You can also call 1-844-877-8588 (8 a.m.-7 p.m. EST) if you're in the US or 1-678-505-4371 if you are not.
Full- and part-time Teamsters-represented employees are eligible for healthcare benefits with no premiums and very low or no co-insurance and co-pays.
The open enrollment period for 2023 was from November 1, 2022, to January 15, 2023.
Yes, you may be eligible to enroll outside of the open enrollment period if you qualify for a special enrollment period or are eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP). Qualifying life events may include losing your insurance coverage or family events such as getting married or becoming a parent.
UPS offers low deductibles and maximum coverage with multiple flexible options to choose from.
