So how exactly does Walgreens insurance work?

  • by Carly
  • Jan 14,2018
  • 8 answers

So I just left my full-time job at Walmart on the 4th of January and I started my new job at Walgreens as a pharmacy technician on the 5th. I haven't really been able to get any information on the health insurance there yet. Because I have heard if you are there 90 days and have an average of 30 hours a week you can qualify, but I just got a letter about open enrollment in october. So do I have to wait until October to apply for insurance or is it after 90 days? Also, is there insurance retroactive for the possibly 90 days I am not covered?


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Insurance Answers (8)

lucy 5 months ago

You got your work cut out for you.
1st you need to know (if) your health insurance though Wal Mart (stopped) on Jan 4, (final day) or the end of the month, January 31, 2018.
Since Wal Mart is a mega corporation, then they will have cobra. So should get paperwork from Cobra, which might take about 30 days to receive and decide (if) you take it and pay 102% of the premium, since Wal Mart is not your employer (anymore) so you have to pay the full price. The cost for cobra is very expensive.
2nd, you need to find out when the 90 days start with Walgreens. As a general rule, the 90 days starts on the (1st) of a month, so it they count 90 days based on my calculations could be (April 1, 2018) They would not count the 5th of January, but start the 90 days on February 1, thus April. But if for some reason they do start after 90 days from date employed, then that would be March 5, 2018.
So for the meantime, that means you would need to purchase a private policy, if you elect not to take cobra for the time (until) your policy starts with Wallgreen.
NO insurance is retroactive. It only pays when you are insured. So you need to find out if you need (new/cobra) insurance for 2/3 months till your new employer insurance starts.
As for the open enrollment, that applies to (any) employee that is eligible to once again to accept/reject the coverage till October 2019. So whatever you decide or not, then again in October, then again to accept/reject the coverage for (1) more year. A new employee starts when (eligible) but for current employees is the same (each) year during only (open) enrollment.

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Casey Y 5 months ago

Its not retroactive, buy COBRA from your former employer to cover the interim.
You have to wait 90 days from the date you started work, is there something confusing about this part of your story?

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Insurance Pickle.com 5 months ago

Sounds like it starts at 90 days after full time employment. You'll have an opportunity at that point (or whatever the waiting period is), and you'll get another opportunity to come on, go off, or make changes on the company's open enrollment.

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StephenWeinstein 5 months ago

It's not retroactive.
You do not have to wait until October. You get one opportunity around the time that you first become eligible. If you enroll then, you don't need to wait for open enrollment.
However, if you miss the deadline, or you want to make changes, then you have to wait until open enrollment.
Open enrollment is when existing employees who didn't enroll earlier get another chance, once a year, and when employees who did enroll can make changes. New employees can their first opportunity a certain amount of time after being hired, regardless of when open enrollment is.

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mbrcatz 5 months ago

You will have to ask your HR department.

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Pearl L 5 months ago

you probably have to wait the 90 days till you can get it but i dont see why you cant apply for it now

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Judy 5 months ago

Retroactivity for insurance doesn't exist. To cover that time, you have to buy insurance from an insurance company or through COBRA. Open enrollment is the time when anybody can sign up. If you change jobs you can get it any time of year when you become eligible.

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babyboomer1001 5 months ago

You can only apply during open enrollment. Keep what you have until then.

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