Deductions will begin about 2 weeks after we at ESSG receive the form, coverage will
begin the Monday following the first deduction

When can I enroll in a plan?

As a part-time or full-time employee, you are able to enroll within 30 days of your hire date, or during the annual open enrollment for the plan. If you do not enroll in one of those periods, you can only enroll if you have a qualifying life event. You have 30 days from the date of the qualifying life event to enroll.

What is a qualifying life event?

A qualifying life event is defined as a change in your status due to one of the following:

• Marriage or divorce
• Birth or adoption of a child(ren)
• Termination of employment
• Death of an immediate family member
• Loss of dependent status
• Loss of prior coverage

When can I cancel off of the plan?

As our plans are pre-tax, you are only allowed to make changes/enroll/cancel during certain times of the year. The above listed times (your first 30 days of employment, during open enrollment, or within 30 days of a qualifying life event) are the only times you are able to change/enroll/cancel.

If I fill out a form, and do not get placed on assignment right away, do I need to fill out a new form?

Your form will stay valid for 6 months. If you are placed on assignment after 6 months of the signature date, you will need to fill out a new form to enroll in the plans.

When will my deductions start and coverage begin?

Deductions will begin about 2 weeks after we at ESSG receive the form, and coverage will begin the Monday following your first deduction.

When will I receive my insurance card?

It should come about a week after your first deduction.

This is the enrollment form for the Enhanced MEC plan: Enhanced MEC Enrollment Form

Who is CVS Caremark?

CVS Caremark manages your prescription
benefits on behalf of your employer
or health care plan sponsor.

Our goal is to offer you convenient and affordable
prescription options—many of which you can now choose
online through our improved prescription benefits site.

Make sure you’re getting as much as you can out of
your prescription benefit plan, beginning with a secure
personal online account at Caremark.com.

More information please click here: caremark brochure

Set up your secure personal online account today at www.caremark.com

2018 OPEN ENROLLMENT

11/13/17 – 11/24/17

It’s time for our 2018 Major Medical and Enhanced MEC Open Enrollment!

To enroll in the Enhanced MEC, click on ‘Enroll Now’ above to access the enrollment form.

We have an ACA-qualifying plan available for the Major Medical. If you believe you are full-time (30+ hours per week), please visit www.essentialclient.com to view rates and enroll, or call customer service at 1-866-798‐0803, referencing group Z219301.

If you have questions or need assistance, please contact the Health Benefits Team:

Phone: 952-767-9519
E-mail: health@employersolutionsgroup.com

Health Plan Claims: Important Information

MEDICAL CLAIMS

Your provider’s office will submit claims to the Health Plan on your behalf. The claims are sent from the provider’s office to Benefit Plan Administrators. This cycle can take as long as 30 days depending on the provider’s billing office, and the processing time at BPA. Generally, within 45-60 days of your visit with the provider, you should have from BPA an Explanation of Benefits (EOB) sent to your home address.

Online Explanation of Benefits (EOB)

You are able to view your claims on line at any time. Our online services provide a summary of your claim activity including claims in line to be processed, claims processed but awaiting check cycle and claims completed through check cycle. You are only able to view your explanation of benefits once the claim has completed check cycle and the check/EOB has been released at our print vendor. If you click on the hyperlink to the EOB from our main website and receive an error message 800 then that means the EOB has not been released to print yet.

BPA Check Cycle Process

BPA processes claims daily however check cycles are generated only once a week. This takes place late on Wednesday evenings. The file containing all checks and EOBs for the week’s claim processing is sent to our printing vendor on Thursday. Checks and EOBs print and mail no later than the Monday of the following week. Once the file is released, you can view your EOBs online within a few hours of the release.

Prescription Drug Program

BPA provides coverage for your prescription drugs through Caremark. When presenting your new ID card to the pharmacy, please be sure the pharmacy updates your information. If the pharmacy does not, your prescription claim will be denied. Also, please keep in mind that any special circumstances that were in place prior to your transition to BPA will not transfer to the new program. If you have any such situation, please contact our customer service department and we can make sure your account is handled properly so you don’t experience a disruption in your prescription drug coverage. If you were using the mail order program previously, you will need to contact your physician for a new prescription and complete the Caremark mail order packet in order to continue using the mail order program.

If you receive a bill from a provider and you have not seen an EOB from BPA, call us.

If you receive correspondence from us of any kind and you aren’t sure what we need, call us.

We are here to help you resolve your claims.

800-277-8973
www.bpatpa.com
Benefit Plan Administrators, Inc.
PO Box 21392
Eagan, MN 55121