FAQ
Q: What are my benefit options?
A: Review your options on the 2025 AEP Benefits page.
Q: When can I enroll in my benefits?
A: As a newly hired employee, you have 31 days from your date of hire to enroll in your AEP Health & Welfare benefits. Your next opportunity to change your benefits will be the next Annual Enrollment, unless you have a qualifying change in family or employment status.
Q: How do I enroll?
A: 3 Ways To Enroll
"I prefer to use my computer or tablet"
Visit aepbenefits.com from any internet-capable device and Register as a new user. You will be prompted to create a user name and password and answer a few security questions. Our Company Key is AEP (case sensitive).
Once registered, Login to your account using your user name and password.
"I use my phone for everything"
The MyChoice® benefits app gives you direct access to upload verification documents, store pictures of your ID cards, elect your benefits, and much more. Once you register your account at aepbenefits.com, click Access the App from the Home page.
You can send yourself a text message with a direct link to download the app.
"I feel more comfortable talking to someone"
Call the AEP Benefits Center
1-888-237-2363
(1-888-AEP-BENE) (Option 2)
Monday - Friday 8:00 a.m. - 8:00 p.m. EST
Q: When does my coverage begin?
A: New hire coverage begins on date of hire and your next opportunity to change your benefits will be at Annual Enrollment, unless you have a qualifying change in family or employment status.
Q: When will I receive my ID card?
A: New Hires: You will receive a new ID card within 30 days. Only the employee (subscriber) name is reflected on the ID card; however, the card applies to any covered family member. If you need additional cards, visit aepmyqhealth.com or call Quantum Health at 1-877-324-3032.
Q: What happens if I don't enroll by the deadline?
A: If you do not take any action by your enrollment deadline, these default elections will be applied:
- HSA Basic Plan (employee only)*
- Basic Life Insurance
- Basic Accidental Death & Dismemberment (AD&D) Insurance
- Sick Pay
- Long-Term Disability (LTD) Plan
- Retirement Plan
- Company-paid vacation*
- Holidays*
*Full-time employees only.
Q: What benefits are automatic?
- Cancer Support and Guidance
- Healthy Rewards
- Financial Well-Being
- Employee Assistance Program
- Digital Well-Being and Health Coaching
- Basic Life Insurance
- Basic Accidental Death and Dismemberment Insurance (AD&D)
- Long-Term Disability
Q: Who do I contact if I have questions?
A: You can get answers anytime with Sofia, your personal online benefits assistant. Sofia can answer many of your benefits questions virtually 24 hours a day, 7 days a week. Once you log in to aepbenefits.com, you can access Sofia by clicking on her icon or via the MyChoice benefits app.
If Sofia can't answer your question, she will direct you to someone who can.
AEP Benefits Center 1-888-237-2363 (Option 2) Monday - Friday, 8:00 a.m. - 8:00 p.m. EST
Q: What if I don't know which Medical Plan is right for me?
A: Just click I'd Like Help Choosing Plans when you start your enrollment!
Simply answer a series of questions about your medical history, risk tolerance, and ability to pay out-of-pocket expenses. Using your answers to those questions (which are never shared with AEP), the decision support tool will display the Medical Plan that most closely matches your responses. You can either accept the Best Match Plan that is suggested or choose your own Plan.
Q: What if my dependents and I are both eligible for AEP benefits?
A: If both you and your spouse or domestic partner or eligible dependents are eligible for the Medical, Dental, Vision, Life and AD&D Insurance Plans as an AEP employee or retiree:
- You may each enroll as an employee or retiree, as appropriate, or one of you may enroll as an employee or retiree and the other as a spouse, domestic partner, or child.
- Neither of you may be covered as both an employee or retiree and as a dependent.
- Neither you nor your spouse or domestic partner can cover the same eligible dependent children.
Q: What should I do after enrolling?
A: Check your Important Reminders at aepbenefits.com to see if you need to complete any additional steps for your benefits coverage to be completed. If you have any questions, ask Sofia.
Please review your confirmation carefully for accuracy. If you find any discrepancies, contact the AEP Benefits Center immediately.
Be on the watch for Medical ID cards mailed to you.
Make sure to download the MyChoice benefits app, for important benefits-related reminders.
Q: What if I need to make changes to my benefits?
A: After you enroll in AEP’s benefit Plans, you may not change or cancel your election choices during the Plan year unless you have a qualifying change in family or employment status that affects your eligibility for coverage. Otherwise, your next opportunity to change your benefits will be at the next Annual Enrollment. Remember to notify the AEP Benefits Center within 31 days of your change in family or employment status if you wish to make benefit Plan changes (or, if applicable, within 90 days after the birth or adoption of a child).
If you decline coverage for yourself or your dependents because you have other Health Insurance coverage, you may be able to enroll yourself or your dependents in an AEP Medical Plan at a later date if you lose that other coverage and can provide documentation reflecting the loss of other coverage. If you add dependents as a result of a marriage, birth, or the placement of a child through adoption or legal guardianship, you may be able to enroll yourself and your eligible dependents. Also, you may request enrollment in the AEP Medical Plan midyear if you notify the AEP Benefits Center within 60 days after you or your dependent either (1) loses eligibility for Medicaid or coverage through the Children’s Health Insurance Program (CHIP) that is administered by your state or (2) becomes eligible to participate in a premium assistance program under Medicaid or CHIP.
Visit aepbenefits.com within 31 days of the qualifying life change to find out:
- Which elections you may change.
- How to change your benefit elections.
- What documentation is required in order to add dependents to your coverage (marriage certificate, birth certificate, etc.)
Q: What if I have questions about my medical bills?
A: As your single point of contact for AEP's Medical Plans, Quantum Health Care Coordinators will provide members with personalized service to help you and your family navigate the health care system and your benefits. You will continue to access the Anthem BCBS provider network but Quantum will provide assistance with claims, billing and benefits questions, ID card replacement, find in-network providers, help manage chronic conditions, provide health education resources and so much more. Care Coordinators understand that dealing with insurance companies can be time-consuming and frustrating and they are committed to providing you with a better overall experience. To speak to a Care Coordinator call Quantum Health at 1-877-324-3032 or access their website by using the direct link at aepmyqhealth.com.
This guide is not intended to be a Plan document, Summary Plan Description, or required notice with respect to any of the Plans mentioned. AEP reserves the right to modify, amend, suspend, or terminate the Plans at any time. Refer to the applicable Plan document if you have any questions relating to a specific Plan or benefit.