How do I enroll?
Enroll by completing the Essential StaffCARE 5500 plan enrollment form at www.essentialclient.com.
When can I enroll in the plan?
You are eligible to enroll in the Essential StaffCARE 5500 plan within 30 days of your eligibility date, or during your employer’s annual 30 day open enrollment period.
If you experience a qualifying life event, you must submit a change request at www.essentialclient.com or by calling the Customer Service line at 1-866-798-0803. You also need to submit supporting documentation along with your change request.
Are dependents covered?
Yes. Eligible dependents include your children up to age 26 or state mandated.
When does coverage begin?
Coverage begins the 1st of the month following receipt of your first monthly payment after any waiting period elected by your employer.
Can I change my coverage?
To make changes, complete a change request form at www.essentialclient.com or by contacting Customer Service at 1-866-798-0803. Changes are effective the 1st of the month following the date of the request. You will only have 30 days from your eligibility date to enroll, add additional benefits or add additional insured members. After this time frame, you will only be allowed to enroll, add benefits or add additional insured members during your annual open enrollment period or within 30 days of a qualifying life event.
How do I cancel coverage?
You may cancel coverage at any time unless your premiums are pre-tax.
Is there a pre-existing condition clause for the Essential StaffCARE 5500 plan?
There is not pre-existing condition clause for the Essential StaffCARE 5500 plan. Even if you were previously diagnosed with a condition, you can receive coverage for related services as soon as your coverage goes into effect.
How Do I Locate a Doctor?
Enrolled members are encouraged to visit providers in the networks listed in order to maximize their benefit dollars. To find a participating provider or verify your current medical provider is in-network, please call or visit the network websites referenced on this page.
Do I have to go to an in-network provider?
It is not required that you go to an in-network provider. If you choose a provider who participates in the PPO network, you receive two key advantages:
- PPO discount for all services.
- The provider will file the claim to the plan.
When should I expect an ID card?
ID cards will be mailed as soon as your enrollment form is processed. You should receive your ID card within 10 business days of your effective date.