When you enroll for Indiana Group Health Insurance coverage forms and supplies will be provided. This includes access to online portals which can speed up the health insurance administration process.
Under most health insurance contracts
For the employee to apply for coverage they must be actively at work as defined by the certificate of coverage.
They must meet all requirements stated in the eligibility requirements of the health insurance contract.
It is the employers responsibility to send the employees application in to the health insurance company prior to the probationary period being completed.
With most Health Maintenance Plans (HMP), when the employee completes the application they may have to choose who will be their Primary Care Physician (PCP). Usually the network directory or online network access with have code for the PCP.
In some health plans, if the employee does not select a PCP one will be chosen for them. They usually have an equation for the closet PCP to the employees home address. Some situations, the plan may not provide coverage until a PCP is chosen.
Employees may choose to waiver coverage but they must still complete an application. As the employer you want documentation that group coverage was offered to the employee.