During open enrollment for Laura obtaining non-contributory group Major Medical insurance, what action must she take?

• A. Sign an enrollment card
• B. Confirm payroll deduction
• C. Submit medical examination results
• D. Choose a beneficiary

Answer: (A)

Enrolling in a non-contributory group Major Medical plan during open enrollment starts by signing an enrollment card to formally initiate coverage. This document records Laura’s decision to participate and provides the insurer with the necessary information to bind the plan since the employer covers the premium. Because the plan is non-contributory, there’s no employee payroll deduction to approve or confirm. Medical exam results aren’t typically required in open enrollment for this type of group health coverage unless the plan specifically asks for evidence of insurability, which is uncommon in this window. Designating a beneficiary is usually associated with life insurance rather than health insurance, so it isn’t the action required to obtain the major medical coverage in this scenario.