DSP FAQ’S

What if my dependent has a pre-existing condition?

 Any illness or condition that is covered by your primary plan will be covered by DSP, up to the plan limits.

What if my dependent has their own health plan through their employer?

The DSP will pay out benefits after all other carriers have paid their allowable expenses. PLEASE NOTE: The DSP maximum payout is based on the National Health & Welfare deductibles and out-of-pocket maximums. Depending on the employer-sponsored plan deductibles and out-of-pocket maximums, some expenses may not be completely covered by the DSP.

Do I have to stay on the DSP for a certain length of time?

Once enrolled, your dependents are required to stay in the plan for 12 months. They may leave the plan during open enrollment, after 12 months.

How long do I have to file a claim?

You have one year to file a DSP claim from the date the primary and or secondary insurance processed the claim.

What are the monthly premiums?

This plan is offered exclusively to current Iron Road Healthcare members who are enrolled in the Challenger Plan, and whose dependents are covered by the CHCB, MMCP or another employer-sponsored health plan.  Please Note: monthly premium is paid via payroll deduction

If your dependents are on CHCB: Monthly Iron Road CHCB DSP 2024 premium $215

If your dependents are on MMCP: Monthly Iron Road MMCP DSP 2024 premium $105

How do I file a claim?

Complete the online form and upload a copy of your EOB page(s).

How do I view my dependent claims? The Member will need to log in on the myironroad.com, from the dashboard tabs click on the Benefit Total & Eligibility tab, scroll down until you see the option to view claims in blue for each dependent.