Can I enroll in both plans?
Yes, you can absolutely enroll in both medical plans! The insurances can even be used together in many cases, as long as the specific services and providers are covered under both plans.
Is there a waiting period to enroll?
No, there is no waiting period. There is a processing time of 1-2 business weeks to fully process the enrollment form and get everything set up with the insurance companies.
When will my plan become effective?
Both plans have different timelines. The Enhanced MEC plan becomes effective the 1st day of the following month once the enrollment form has been processed. The Fixed Indemnity plan becomes effective the following Monday after deductions have started.
Is my enrollment form processed right away?
No. Your enrollment form(s) will be processed once you receive your first paycheck.
When will I receive my insurance card?
Both insurance companies will mail out the insurance cards on/around the first week of coverage being effective.
I completed an enrollment form, but why haven’t deductions started coming out of my paycheck?
Deductions for the Enhanced MEC plan will not start until your plan has become effective. For example, if your effective date was 8/1/2021, your deductions would start being collected from your August paychecks.
Deductions for the Fixed Indemnity plan will typically begin on your 2nd or 3rd paycheck depending on how quickly your enrollment form is processed. Each time you have a deduction for this plan, that’s giving you coverage for the following Monday-Sunday.
I filled out an enrollment form, but I’m not sure when I’ll start working. Do I need to complete a new enrollment form when I start my assignment?
Enrollment and change forms are valid for 60 days. If you receive your first paycheck within 60 days of completing your forms, no additional action would be required. If it has been more than 60 days, you’ll need to complete new forms.
How do I cancel my plan?
A change form needs to be completed. Change forms are located on our website www.essghealth.com. You have within your first 30 days of working, during open enrollment, or within 30 days of a qualifying life event occurring to enroll, cancel, or makes changes.
What is a qualifying life event (QLE)?
The most common types of qualifying life events are marriage, divorce, birth/adoption of a child, gaining new coverage, or lose of previous insurance.