Dependent Supplemental Plan (DSP)

When you enroll in the Iron Road Health Care  Dependent Supplemental Plan (DSP), we cover your dependent’s annual deductible and out-of-pocket maximum for in-network services for eligible dependents who are on the the Comprehensive Health Care Benefit (CHCB), Managed Medical Care Plan (MMCP), or another employer-sponsored health plan. For example, the deductible for an MRI might be $500 with your primary insurance. If you have a supplemental plan, the deductible of $500 would be covered by the supplemental plan.

It’s important to note that supplemental health plans are optional. You should evaluate your dependents’ existing health coverage and any anticipated expenses. If your spouse had to have knee surgery and your out-of-pocket expense is $1000, would you be able to pay that? If the answer is no, a supplemental health plan might be for you.

• • To Submit a DSP Claim: Click here . Please allow up to 5 business days for processing. You will receive an email notification once your claim is accepted into our system for processing. 

  • Watch a short video on how to submit claims: Click here

  • View Frequently Asked Questions: Click here

  • To Cancel or make changes to the plan  Click here

You can enroll, cancel, or make changes to your plan electronically through the member dashboard. Once enrolled, your dependents must stay on the plan for at least 12 months. They can only leave the plan during the open enrollment period after that 12-month period has passed. The open enrollment period is from November 1 to December 15. 

 

If your dependents are on CHCB 

CHCB 2025 Monthly Premium $215

Annual deductibles Individual $350 Family $700 Annual maximum out-of-pocket Individual $3,000 Family $6,000 Iron Road DSP pays up to: Individual $3,350 Family $6,700

If your dependents are on MMCP

MMCP 2025 Monthly Premium $105

Annual deductibles Individual $350 Family $700 Annual maximum out-of-pocket Individual $2,000 Family $4,000 Iron Road DSP pays up to: Individual $2,350 Family $4,700

NOTE: The DSP does not pay for pharmacy costs or out-of-network services or expenses related to vision, dental or pharmacy. Coverage amount is based on MMCP/CHCB plan limits.

*Timely filing limit is one year from the date the primary insurance paid. Changes or cancellations of the plan are only permitted during the open enrollment period November 1- December 15.