Frequently Asked Questions

  1. How much time do I have to add my spouse (if I have recently gotten married) or my child (due to birth, adoption or placement) to my health insurance plans? 

    You have 45 days from the date of the event (date of marriage or date of birth/adoption/placement) to add your dependent to your health insurance. If you do not add within those 45 days, you will have to wait until the next open enrollment period.

  2. How do I find out if my healthcare provider is in our network? 

    The best way to search for healthcare providers is online through the Web sites of our benefits vendors. The following sites can be searched from work or at home.

    Medical

    • Call (888) 796-0609 or search the BlueCross site to find in-network providers. Search “Blue Network P” for providers in Tennessee. Search “BlueCard PPO” for providers outside of Tennessee.

    Dental

    • Delta Dental Web site: Select Delta Dental Premier or Delta Dental PPO for a list of participating in-network providers for St. Jude. (Providers who appear in the Delta Dental PPO network offer deeper discounts for out-of-pocket expenses.)

    Vision

    • Superior Vision by MetLife: Click Find an Eye Care Professional; enter your location or coverage information (Superior Vision by MetLife network).

    Can I go out-of-network for services? 

    Out-of-network providers offer limited or no discounts for their services, thus the costs to both you and St. Jude are substantially higher. You may still choose to go out-of-network, but your share of the costs will be higher.

    Why are co-pays for specialists higher than co-pays for primary care physician visits? 

    The rates charged by specialty physicians are higher than those charged by primary care practitioners. This co-pay structure, common to most employers’ medical plans, reflects the difference in cost and is one way to encourage the use of the most cost effective health care services available. Examples of primary care practitioners include pediatricians, family and internal medicine physicians and obstetricians/gynecologists. Examples of specialty physicians are dermatologists, cardiologists, and surgeons.

    What if I go to the emergency room, and it is not deemed an emergency? 

    Let’s face it, emergency rooms are sometimes necessary but can be expensive! St. Jude encourages you to see your doctor or visit a minor medical center to reduce the use of emergency rooms for non-emergent care. If you do visit the ER for a condition that is not deemed an emergency, the emergency co-pay will not apply, and you will be responsible for meeting your deductible and any coinsurance due.

    Do I have to select a primary care physician? 

    No. You have open access to any of the physicians listed in the network. If the doctor you select is not within the network, out-of-network costs will apply. With both the Select and Choice PPOs, you will have two different physician office visit co-pays—one for primary care physicians and a higher one for specialty physicians. Examples of primary care practitioners include pediatricians, family and internal medicine physicians and obstetricians/gynecologists. Examples of specialty physicians are dermatologists, cardiologists, and surgeons.

    Do I have to have a referral to see a specialist? 

    No, you have open access to any of the physicians listed the network. If the specialist is not within the network, out of network costs will apply.

    Where should my lab work be sent to qualify for in-network coverage? 

    Call (888) 796-0609 or search the BlueCross site to find in-network providers. Search “Blue Network P” for providers in Tennessee. Search “BlueCard PPO” for providers outside of Tennessee.

  3. How often can I change my investment selections with the St. Jude retirement plan? 

    As often as you like. Contact TIAA directly by calling 1-800-842-2776 or visit their website at  www.tiaa.org/stjude.

  4. Do I need to complete the enrollment each year for my Flexible Spending Account (FSA)? 

    Yes, you are required to re-enroll in the Flexible Spending Account plans each year. FSAs are available for un-reimbursed medical expenses and dependent care expenses.

    What is the maximum amount that I can put into a Flexible Spending Account? 

    The maximum for the health care spending account is $3,200 for 2025 plan year ($3,050 for 2024 plan year) and the maximum for dependent care spending account is $5,000. The minimum contribution is $60.

    What happens to funds contributed that are not used or reimbursed?

    Funds are forfeited 1) if funds are not used by the end of the calendar year or 2) if eligible expenses are not submitted for reimbursement within 90 days of separation from employment or by March 31st following the end of the plan year (whichever date comes first).

  5. You can enroll in the MetLife Legal Plan at the time you are hired or during Open Enrollment on our benefits portal. Once enrolled, $8.25 will be deducted from 24 paychecks during the year. You must remain in the plan for the entire calendar year. Enrollment will continue from year to year unless you request it be canceled during Open Enrollment.

  6. When is Open Enrollment? 

    Open Enrollment is held annually in the fall each year. Changes made during Open Enrollment will have a January 1 effective date.

 
 

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