Insurance plans will offer a greater benefit if services are rendered by an in-network provider, and some won't cover out-of-network providers at all. Here are some tips on finding a provider in a specific insurance carrier's network.
Also commonly called the Find A Provider tool, the insurance carrier has a directory on their website that can be used to find an in-network provider based on the network and location. This is a good first step to finding someone in a certain area that takes a specific insurance plan. Zenefits provides a direct link to your carrier's Find a Doctor tool on your Overiew page.
If the site's Find A Doctor tool isn't getting the job done, call the insurance carrier to confirm a provider's status. You can find your carrier's Member Services number on your Overview page.
Calling the provider's office directly is often the most surefire way to confirm participation in a network or acceptance of the insurance plan. When in doubt, call the provider directly before your service to confirm their status.
All US group health insurance plans cover emergencies abroad during international travel. Doctor's visits, standard services, etc. will not be covered unless explicitly stated in the plan or added on as a policy rider. Going to the ER for a sinus infection or a cold will not be covered; it's the medical nature of the service that denotes whether something is an emergency, not where the service is administered.
Refer to the plan's Summary of Benefits and Coverage for more information. Carriers will generally only allow an employee to stay on the group insurance coverage for a set amount of time while they are overseas. After that time period expires, they will mark the employee as ineligible for group coverage.
Travel insurance is coverage intended to protect against items such as medical costs, lost luggage, flight cancelations, or other expenses occurred during domestic or international travel.
Zenefits does not administer or provide advice on travel insurance. Travel insurance is not linked to group insurance policies.
Employees who are interested in signing up for travel insurance will need to speak directly with their insurance carrier.
As of May 2015, federal regulations require that insurance providers cover all of the 18 contraceptive methods approved by the FDA for women at no additional charge. Any products or options recommended by a provider must be provided at no cost as well.
The following categories are required to have at least one option fully covered:
| Contraceptive Method | Options |
| Surgical sterilization | N/A |
| Implant sterilization | N/A |
| Implantable Rod | Multiple |
| IUD – Copper | Multiple |
| IUD – Progestin | Multiple |
| Injection | Multiple |
| Oral contraceptives – combined | Multiple |
| Oral Contraceptives – progestin only | Multiple |
| Oral Contraceptives – extended/continuous use | Multiple |
| Patch | Multiple |
| Vaginal Ring | NuvaRing only |
| Diaphragm with Spermicide | Milex Omniflex only |
| Sponge with Spermicide | Today Sponge only |
| Cervical Cap with Spermicide | FemCap only |
| Female Condom | Multiple |
| Spermicide alone | Multiple |
| Emergency Contraception-Progestin | Multiple |
| Emergency Contraception- Ulipristal Acetate | ella only |
Items that are considered preventive such as male condoms may be fully covered by a carrier, but items such as vasectomies are not considered preventive and may be subject to copay requirements. If you're curious if your plan covers any of the above, contact your insurance carrier directly to receive clarification.
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