Family Protection Benefit

What is the TeamCare Family Protection Benefit?

This benefit offers security and peace of mind to you and your family in the unfortunate event of your death. Eligible families of active TeamCare members may be eligible for up to 5 years of no-cost* health coverage. This allows your family the same great benefits without the cost of COBRA, and for a longer period of time. This is a superior benefit in the health care industry and we are proud to offer it as part of TeamCare.

*TeamCare Retirees also have the security of continued coverage for their spouse, at the published monthly retiree premium rate under their Plan. 

What do I have to do to qualify for the Family Protection Benefit?

To qualify, families must utilize in-network TeamCare medical providers and facilities for all non-emergency medical care during the two-year period before a member’s death.

Are the health benefits different under the Family Protection Benefit?

Covered dependents will remain under the same TeamCare plan in place prior to your death.

How are out-of-network benefits paid under the Family Protection Benefit?

Coverage under the Family Protection Benefit is payable for in-network medical providers only under your Medical Plan. No benefits are payable for out-of-network medical treatment except in emergency situations. This applies to your medical benefits only. For non-medical providers such as dental and vision, you may receive care from an in-network or out-of-network provider at your option.

What if I want to use an out-of-network provider for treatment?

To qualify for the Family Protection Benefit, exclusive use of network providers is required for at least a two-year period prior to your death. Emergency Care will not disqualify you for this benefit when deemed appropriate.

Does my spouse qualify for coverage if covered under another Plan or if they remarry?

Spouses or dependents who are covered under another Plan (including Medicare) would not qualify for the TeamCare Family Protection Benefit since it is designed to provide coverage for those without health benefits, due to the death of our member. Additionally, coverage would end for your spouse upon remarriage. However, TeamCare would still continue to cover eligible dependent children if they are not covered under another Plan. 

Could coverage extend beyond age 26 for my children since it is a 5 year benefit?

Coverage under the Family Protection Benefit will end on the earliest of 5 years from members death, the child’s 26th birthday or the date the child gains coverage under another Plan.