Frequently Asked Questions|
1. What level of PowerSeller does the user have to maintain in order to enroll in the Health Care Solutions program?
This program is available to all of the five PowerSeller levels. When you become eligible for PowerSeller status, you are eligible to participate in Health Care Solutions by Marsh Advantage America.
2. If I lose my PowerSeller status will I also lose my coverage through this program? Also, if my sales are idle over a period of time will I be eligible for this program?
If an individual loses their PowerSeller eligibility for any reason, their existing coverage will remain effective as long as their premiums are paid when due. They will not have access to elect new plans or make changes to existing plans unless they pay an administration fee of $50. The requirement is that you are a PowerSeller at the time you elect healthcare coverage. If you lose PowerSeller status and want to make any changes or additions to your healthcare coverage, you will be required to pay a $50 annual administration fee.
3. Will I have the option to cover my family members under Health Care Solutions?
PowerSellers will have the opportunity to enroll themselves and all of their eligible family members, including spouses and dependent children as defined by each individual carrier. For questions regarding employee coverage, please see Question #4.
4. Will this program extend to my employees and their dependents?
Currently Health Care Solutions will be only available for PowerSeller account holders and their eligible dependents. We hope to examine the feasibility to extend this to the employees and their dependents of PowerSellers at some point in the future. You will be provided with regular updates on this progress.
5. What is the definition of an eligible family member?
Spouse and/or dependent child qualify as eligible family members. In addition, the discount health service plans recognize domestic partners as an eligible family member.
6. What is the definition of a dependent child?
Plans can vary on the definition of a dependent child, but generally it is a child age 0 to 19 who qualifies as a dependent under IRS requirements or age 23 if a full-time student and you provide at least 50% of their support. Be sure to read the definition for dependent children for each of the plans.
7. Can I combine sales on multiple accounts to meet PowerSeller status and have access to Health Care Solutions?
The PowerSeller program does not allow you to combine accounts in order to achieve PowerSeller status. It must come from one independent account. You have the option of merging separate accounts into one individual account. If the merged account qualifies for PowerSeller status, you may be eligible for Health Care Solutions. If you lose your PowerSeller status for any reason, your eligibility for program coverage will not be impacted.
8. What do I do if I have lost my PowerSeller membership and need to make changes or additions to my healthcare coverage?
If an individual loses their PowerSeller eligibility for any reason, their existing plans will remain effective. They will not have access to elect new plans or make changes to existing plans unless they pay a $50 administration fee to transfer them to a non-PS portion of the program. No payment will be required unless they want to add new plans or make changes to existing plans. If the PowerSeller loses their PowerSeller status and has not regained it at the time they are adding new plans or making changes to existing plans, they will be required to pay the $50 annual administration fee.
The $50 administration fee will not be refunded under any circumstances (i.e. if the individual regains their status or if they decide to cancel their plans). The administration fee will be paid to Marsh Advantage America to cover administrative costs in running the program. Payment of the $50 annual fee allows the user to make changes or additions to their plans for one year from time of payment.
9. Will we be able to add the cost of the health insurance to our eBay bill or will we receive a separate bill?
Your relationship will be with the individual carrier or carriers, so billing and customer support will all be handled with them directly. Customer support is provided by each individual carrier, and is accessed through one central toll free number for PowerSellers.
10. Is the Health Care Solutions a group plan?
No. It is impossible for insurance carriers to treat PowerSellers as a traditional insurable group, so Marsh Advantage America have negotiated a series of individual plans. Because of the large number of PowerSellers, Marsh Advantage America has been able to convince underwriters to make the policies available on a simplified underwriting bases in most cases.
11. What does simplified underwriting mean?
Most individual plans follow an underwriting standard, which is called a "long form application". With the long form there are several questions that need to be answered. Simplified underwriting means the numbers of questions have been reduced to 3 or 4. This makes it easier to qualify for coverage. In addition, there are several discount plans available where no underwriting is needed.
12. Will the healthcare plans be available in all states?
Availability of these plans in all states is dependent upon individual carriers and state specific regulations, which dictate approval of plans. Plans are presented to PowerSellers based upon your local zip code.
13. On January 1, 2003, will I be covered under an insurance plan through the Health Care Solutions program?
On January 1st you will have the ability to apply for coverage, which can be done online. Once an application has been completed, there is always a period of time that is needed for the underwriting and issuance of the policy. Generally, approvals will be made in 4 to 6 weeks.
14. Who is Marsh Advantage America?
A service of Seabury & Smith, Inc., part of Marsh & McLennah Companies (MMC), Marsh Advantage America designs, manages and administers insurance programs. Marsh Advantage America has worked with eBay to develop the Health Care Solutions Program for PowerSellers.
15. Who is eligible to apply for the plans available in the Health Care Solutions Program?
eBay PowerSeller and their family members who reside in the United States and meet the current requirements for the eBay PowerSeller program.