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The ISCA is pleased to offer group medical, dental, vision and life insurance through Lifestyle Health Plans. There are sixteen different benefit levels (see Lifestyle Health Proposal sample group PDF) available to meet a wide range of benefit needs and premium ranges (when you apply, all sixteen benefit plans are quoted for your convenience, along with the ancillary plans). All plans offered are fully funded insurance plans, meet ACA guidelines and qualify as credible coverage.
Group insurance is available to employer groups of two or more employees; the plan may not cover individuals on their own. Spouses in a family-owned practice may be considered two employees with completion of separate applications for coverage. An employer will need to have roughly half of their eligible employees participate. Employees that have coverage through a spouse, are on a subsidized health plan like Medicaid, have Medicare or are part-time need not be offered coverage. Employers may request effective dates according to group size:
· Employers with 3 or more employees-first of the month, any month of the year.
· Employers with only 2 employees, first of month on quarterly start month: January 1, April 1, July 1 or October 1 only.
The application process is easy and the ISCA have endorsed selected insurance professionals to work with you (please see the ISCA contact list). The application usually takes 10-15 minutes for an individual to complete.
For your convenience you may search Multiplan/PHCS network to find providers near you before you apply, go to: Multiplan.com
1. On home page, upper right select “Search for a Doctor or Facility”.
2. Scroll down to “On Back of Card” then select “PHCS”, then “continue”
3. Select either “Doctor” or “Facility” look-up option, then “continue”
4. On this page you may refine your search parameters by zip code, distance, type of provider and even look by provider name. Please note that providers may be known under a different name or practice name, and/or facility legal name. Some small local hospitals do not show up as Acute Care, but are listed under Outpatient Rehabilitation.
Given the current options available to small employers and families as a result of the changes in the insurance market, the ISCA encourages you to inquire about these exciting new programs.
Click HERE for the Proposal. Click HERE for the Insurance Contacts Sheet.
Click HERE for the Territory List. Click HERE for ISCA Agent by counties list.