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ESC’s Staffing Specific Administrative Platform (SSAP)For over 10 years Essential StaffCARE has offered a Staffing Specific Administrative Platform (SSAP). The Affordable Care Act (ACA) has caused staffing firms to look at their benefits and existing processes from a different reference point. SSAP allows a staffing firm to have an “Audit Log” for ACA, which specifically creates their processes and integration of systems appropriate for ACA. Employees also now have ACA responsibilities. SSAP can help with these processes as well. The overall Audit Log process can vary for each firm.

2. ACA CostEvaluation Tools

4. AdministrativeTools

1. ESCExperience

5. ACAAudit Log

3. ACA Products& Enrollment

6. ACACompliant

SSAPESC’s Staffing Specific

Administrative Platform

ESC Experience11 years ago, we pioneered our “Staffing Specific Administrative Platform” which is the foundation for new tools such as the ACA Audit Log.

ACA Cost Evaluation ToolsACA decisions are not just based on numbers, SSAP has different evaluation tools to assist staffing firms in making a multi-year strategy for benefits.

ACA Products & EnrollmentHelps communicate approved ACA products and helps employees enroll in their ACA approved plans.

Administrative ToolsOnce ACA decisions are made, you need optional tools to support your company. SSAP’s web-based tools are available to help integrate with your existing processes.

ACA Audit LogHelps solve a staffing firm’s key ACA related issues that include: estimating cost strategies, consistent process for variable hour support, the look-back rule, and IRS reports.

RESULT: ACA CompliantESC’s SSAP and Audit Log will support you with a consistent process that can help you eliminate ACA penalties and save time.

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• Premier Third Party Administrator (TPA) • BCBS Major Accounts management• SAS-70 Certified • Award winning customer service advocates • Best-in-class COBRA services

ESC’s Administrative PlatformIAG/Essential StaffCARE BlueCross BlueShield of SC (BCBSSC)• Exclusive BCBSSC Staffing Industry Partner• Equifax Strategic Partner• 1500+ Staffing Clients• Inc 500/5000 America’s Fastest Growing Private Company for 5 years• Award Winning Member of National Association of Health Underwriters• Product Design, Implementation, & Communication Specialists

• 1 of only 2 A.M. Best A+ (Superior) Rated in the US• #2 IBM-Rated Data Center in the US (Top 2.5% in the world)• 48+ Technology Acquisitions Across the US• Administers Various Back-Office Functions for 21 Blue Plans

Across the US• TriCARE (US Military) & Medicare Part D Admin Contracts

PAI/Division of BCBSSC BCS• BCS Financial is owned by all primary BlueCross and

BlueShield licensees• Over 60 years of experience in expanding protection• BCS Insurance Company Rated A- (Excellent) by A.M. Best• Licensed to provide insurance solutions in all 50 states

ESC’s StaffingSpecific

AdministrativePlatform (SSAP)

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Facts & Figures At-A-GlanceLeader In The Staffing Industry:

• Over 1,500 staffing companies offering ESC• Over 2 million enrollment forms processed annually• 96% customer satisfaction rate• 98% client retention rate• 988% higher enrollment compared to all previous plans

offered by our staffing clients• Up to 58% higher retention for employees enrolled in

our medical plan • New ACA related products for the staffing industry

Superior Plan Administration:• 798,300 claims processed in 2014• 95.8% of claims processed within 14 days• 12 claims per 100 members, on average (demonstrates

high usability of our plan)• 99.23% financial accuracy • 24 seconds is the average speed of call answer• 100% more outpatient coverage on average, which is

the most utilized part of the plan by employees• 2% of enrollees exceed the ESC outpatient limit• 779,000 calls received per year• 2.4% call abandonment rate• 97.3% first call resolution (successfully handled

employee’s reason for calling)• 100% of COBRA enrollments processed within 2 days• 100% accuracy on COBRA payment processing

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Achievements and AwardsASA Corporate PartnerASA has multi-year corporate partnerships with: Essential StaffCARE, AkkenCloud, CareerBuilder, Inavero, Monster, People 2.0, and World Wide Specialty Programs. These partnerships go well beyond traditional sponsorships—they involve mutual commitments to long-term working relationships focused on advancing the interests and meeting the needs of ASA members and the staffing industry.

The National Association of Health UnderwritersThe National Association of Health Underwriters represents more than 100,000 licensed health insurance agents, brokers, consultants, and benefit professionals through more than 200 chapters across America. Members agree to abide by NAHU’s code of ethics, which requires them to always make health care coverage recommendations with the customer’s best interest in mind.

NAHU ACA CertificationCertifies expertise in the provisions and implementation of health reform. ACA Certified NAHU members understand the key technical components of PPACA and are better prepared to counsel their clients on upcoming required healthcare changes and new options and requirements for health plan.

NAHU Soaring Eagle AwardThe highest honor given by the Leading Producers Round Table to recognize National Association of Health Underwriters members who have “achieved the greatest success in demonstrating exceptional professional knowledge and outstanding client services.”

NAHU Golden Eagle AwardThe National Association of Health Underwriters has presented the Golden Eagle Award, which acknowledges outstanding leadership in the health insurance industry.

MDRT Top of the Table MemberMDRT, The Premier Association of Financial Professionals, is an international, independent association of more than 38,000 of the world’s leading life insurance and financial services professionals from more than 450 companies in 74 countries. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT’s Top of the Table is an exclusive forum for the world’s most successful life insurance and financial services professionals.

Inc. MagazineInc. Magazine announced its 34th annual Inc. 500/5000 ranking of the fastest growing private companies in the United States with Insurance Applications Group Inc., the developer and exclusive marketer of ESC, as the leading health insurance and benefits program for the staffing industry. This is the sixth year Insurance Applications Group Inc. has been recognized by Inc. Magazine.

PATI

ENT

P RO T E C T I O N & A FFORDABLE CARE ACTC E R T I F I E D

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Staffing Companies Offering ESC

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Support of Staffing AssociationsEssential StaffCARE is one of only seven corporate partners of the American Staffing Association. This is the highest level of financial support to benefit the association, its members, and the staffing industry. Essential StaffCARE is a member and supporter of numerous regional staffing industry associations and trade organizations.

• American Staffing Association (ASA) – Corporate Partner• Virginia Staffing Association (VSA)• South Carolina Staffing Association (SCSA)• Wisconsin Association of Staffing Services (WASS)• Ohio Staffing and Search Association (OSSA)• Minnesota Recruiting and Staffing Association (MNRSA)• California Staffing Professionals (CSP)• Colorado Staffing Association (CSA)• Georgia Staffing Association (GSA)• Nevada Staffing Association (NSA)• Anserteam• TempNet• Illinois Search & Staffing Association (ISSA)• Florida Staffing Association (FSA)• Mid Atlantic Staffing Association (MASA)• Texas Association of Staffing (TAS)• Capital Area Staffing Association (CASA)• Tennessee Staffing Association (TSA)• North Carolina Association of Staffing Professionals (NCASP)• Executive Forum

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Integrated PartnershipsOur Partners are companies who have been fully integrated with Essential StaffCARE’s proprietary file feed process. If you are using one of the listed companies for your payroll processing or back-office software, you can get started with Essential StaffCARE’s ACA Compliant and Voluntary Plans for your temporary employees today.

• Advance• COATs• Avionté• Tricom Funding• Sterling National Bank• Bridgeware• Bond• Tempworks Software• SkilMatch• Efficient Hire• Applied Systems Technology• Carvin Software• Akken Cloud• Equifax

E�ciency Improvement Platform

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What They’re Saying – Staffing AssociationsAmerican Staffing Association

• “Essential StaffCARE has established itself over many years as an important partner, supporter, and advocate of the American Staffing Association, its members, and the millions of temporary and contract workers they employ each year.”

– Richard Wahlquist, President of ASA

North Carolina Association of Staffing Professionals• “We have enjoyed a long ongoing relationship with Essential StaffCARE and they continue to raise the bar on new

products, market intelligence, customer service and training and development webinars. We appreciate our relationship with the Essential StaffCARE team and we highly recommend them to handle your health benefit needs!”

– Mary Mallett, CPC, NCASP Board of Directors

What They’re Saying – Integrated PartnershipsCOATs

• “The staff has been amazing and it has been a complete pleasure partnering with Essential StaffCARE...” – Tom Sarach, Founder COATs

Avionté Staffing Software• “Avionté has been partnering with Essential StaffCARE for several years and we really couldn’t have made a better

decision... Their team understands the industry, believes in building strong partnerships with its clients and works amazingly hard to deliver outstanding service.”

– John Long, CEO Avionté Staffing Software

Advance• “Essential StaffCARE and Advance were a perfect fit from the start, with our shared values and the commitment to

providing exceptional client service.” – Adam Stern, President Advance

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Industry Leaders in Health Care ReformEssential StaffCARE led the way from the moment the Affordable Care Act (ACA) was passed into law in 2010, and we continue to lead the way for the staffing industry today. We have provided “Reality Checks” to the nation on health care reform by offering free webinars explaining the implications of health reform annually since 2010.

• Uncovered previously hidden dangers and unintended consequences• Thought-creatively and pro-actively while others panicked • Established thought leader on effective healthcare reform solutions

Development of the New ESC PlansThe graphic on the following page illustrates our methodical approach in dealing with the complexities of the constantly changing ACA health care reform law. This includes the establishment of the ESC ACA task force, consisting of ERISA attorneys, actuaries, underwriters, IT specialists, and communication specialists from BlueCross BlueShield, BCS Insurance Company, and Insurance Applications Group. This health care reform task force ensures the compliance and ongoing viability of the ESC plans beyond 2014.

ESC Products Offered:• Fixed Indemnity -- Supplemental Coverage for Variable Hour and Full Time Employees• Minimum Essential Coverage -- ESC MEC Wellness / Preventive• ESC Bronze -- Minimum Value Major Medical Bronze Level

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ESC Framework For ACA StrategyESC’s ACA Strategy is to offer our suite of products and services to find the best coverage options and lowest net cost for Staffing Firm and your employees to solve ACA issues. Our integrated ACA strategy provides multiple products offerings including Fixed Indemnity, MEC, Bronze or Exchange plans to employees in order to minimize employer tax issues. Combined with ESC’s Fixed Indemnity Plan, this solution provides ACA compliance while helping offset these high deductible plans with first dollar claims coverage.

Whi

ch O

pti

on?

Fixed Indemnity Plan

(FIP)

Minimizes the employee’s out of pocket expenses

and high deductibles inherent in both

Bronze and Exchange Plans.

MEC Wellness/Preventive

PlanACA-Compliant

plan offered to all employees with zero cost to Staffing Firm;

eliminates (A) Tax. If enrolled, covers

employee individual mandate.

ESCBronze

60%

Offer ACA-Compliant 60% Major Medical

plan to FT employees. No participation

requirements & Fully Insured

Bronze With Employer Contribution

Offer ACA Compliant Plan to FT Employees• No (A) or (B) Tax• Eliminates Option of Subsidy for Employee• Confirmed “Offer” by Mail• Covers Individual Mandate, If Enrolled • Low Employee Enrollment • Employee Pays 9.5% of Salary

Bronze With NO Employer Contribution

Offer ACA Compliant Plan ALL Employees

• No (A) Tax, But (B) Tax Needs To Be Managed• Employees Can Still Access Subsidies at

Exchanges • Covers Individual Mandate, If Enrolled • Lower Employee Enrollment • All Premium is Paid By Employee

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Importance of Fixed Indemnity PlansAccording to the Department of Labor (DOL): “Fixed indemnity coverage under a group health plan meeting the conditions outlined in the Departments’ regulations is an excepted benefit under PHS Act section 2791(c)(3)(B), ERISA section 733(c)(3)(B), and Code section 9832(c)(3)(B). As such, it is exempt from the health coverage requirements of title XXVII of the PHS Act, part 7 of ERISA, and chapter 100 of the Code.”

ESC Fixed Indemnity Plans Help Employees Who Need Help The Most:• Those who cannot afford the high premiums, deductibles and co-pays that accompany traditional

“Major Medical” health insurance plans either offered by an employer or obtained from an exchange.• Covers 84% to 95% of the average employee’s annual medical expenses.*• No deductible, no co-pay, first day coverage, includes one of the largest national PPO networks.

More Importantly, Our Fixed Indemnity Plans:• Are “excepted” benefits and therefore protected from constantly changing and disruptive ACA policies.• Do not interfere with an employee’s ability to receive valuable ACA subsidies.• Provide first dollar benefits that cover the majority of an employee’s day-to-day medical needs.

ESC Fixed Indemnity is the foundation for all our product offerings to employees.

*Source: Milliman Distribution of Health Care Expenses Brief (brief commissioned by IAG for Essential StaffCARE)

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Our Indemnity PlansHow Our Plans Were Created:

• Used sophisticated claims modeling software for the Staffing Industry.• Analyzed 50,000 ESC claims from 29,000 temporary employees.• Offers improved coverage across many key areas, including doctor visits, surgeries, etc.• Compared 23 different indemnity plans on the market, ensuring Essential StaffCARE remains the most

competitive.• Our Preferred Risk Pool offers substantial rate discounts and benefit enhancements. Pool includes

over 1,000 staffing companies representing approximately 1.5 million temporary employees.

What We Included:• NO Deductibles• NO Co-Pays• NO Pre-Existing Limitation Clause• NO Waiting Period for Medical Benefits• Benefits for Doctor Office Visits• Inpatient Surgery Benefit• Outpatient Surgery Benefit• Daily Room and Board Benefit

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Payroll Deduction and COBRAEssential StaffCARE is a payroll-deducted benefit plan that uses a series of weekly payroll reports to administer. Using these reports, we are able to outsource most of the administration for you. This process takes the work off of your HR and Payroll departments. To ensure privacy, the files are transmitted through a secure HIPAA compliant process that only your company has access to.

• File #1: You send us a basic payroll report showing all employees who worked that specific pay period.• File #2: We send you a list of employee premium deductions to load into your payroll system, based on

the enrollments, changes, and terminations that occurred that week.

If an employee misses six (6) consecutive weeks of premiums, their coverage will automatically terminate and a COBRA package will be mailed to their home address. PAI handles the COBRA administration for all enrolled employees. The premium rates for COBRA coverage will be approximately 2% higher than the original premium.

In And Out Of Benefits StatusAn employee who is off assignment and is no longer receiving a paycheck, can miss a premium payment without having their benefits enrollment canceled. If an employee comes back to work between one (1) and six (6) weeks, payroll deductions will automatically resume and be applied on a going-forward basis (no back premiums need to be paid unless there has been a claim). If, while off assignment, an employee files a claim then all missed premiums (up to 6 weeks) will need to be paid before the claim can be processed.

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Our Medical NetworkESC utilizes First Health Network, one of the largest and most respected networks. ESC pays the provider, and the providers, in turn, file your employees’ claims so employees don’t have to wait on a claim check!

Our Medical Network Also Provides Access To:• Over 1 million health care professional locations• Over 90,000 ancillary facilities • More than 5,000 hospitals • Network doctors who are carefully screened and selected• ID Cards clearly identifying employees as a participating member

First Health does not outsource any of their provider contracts. They hold direct contracts and strong relationships with their providers.Visit firsthealth.coventryhealthcare.com (then click “Locate a Provider”)

Enter your city into the website

The First Health Network covers over 98% of the U.S. population who are within 10 miles of a participating network physician and within 20 miles of a participating network hospital.

Shows results

Sample PlansSTANDARD RX PLANS

Light Industrial and Clerical Employees90% of our clients choose one of these

three plans

Professional and Technical Employees

BENEFIT Value Plan Plan 1 Plan 2 Plan 3 Plan 4Medical Network First Health First Health First Health First Health First Health

Prescription Network Caremark Caremark Caremark Caremark Caremark

Network Provider Must Accept Plan Yes Yes Yes Yes Yes

Wellness Care (once per year) $75 $100 $100 $100 $100

Inpatient Hospital Benefit (require 24 hour minimum stay)

Surgery (per day) $2,000 $2,000 $3,000 $4,000 $5,000

Anesthesiology (per day) $400 $400 $600 $800 $1,000

First Hospital Admission (1 per year) N/A $250 $250 $500 $500

Standard Care (per day) $300 $300 $500 $700 $800

Intensive Care (per day) (paid in addition to standard care benefit) $400 $400 $600 $800 $900

Skilled Nursing (per day) (for stays in a skilled nursing facility after a hospital stay) $100 $100 $100 $100 $100

Outpatient Medical Benefit Maximum (All outpatient benefits are subject to outpatient maximum) $2,000 $2,000 $2,000 $2,250 $3,000

Physician Office Visit (per day) $55 $100 $100 $100 $100

Diagnostic (Lab) (per day) $75 $75 $75 $75 $75

Diagnostic (X-Ray) (per day) $150 $200 $200 $200 $200

Ambulance Services (per day) $300 $300 $300 $300 $300

Emergency Room Benefit - Sickness (per day) $100 $200 $200 $200 $200

Emergency Room Benefit - Accident (per day) (covers treatment for off the job accidents only) $300 $500 $500 $1,000 $1,000

Surgery (per day) $500 $500 $500 $1,000 $1,000

Anesthesiology (per day) $200 $200 $200 $400 $400

Physical Therapy, Speech Therapy, Occupational Therapy (per day) $50 $50 $50 $50 $50

Prescription Drugs 1 (REIMBURSEMENT) (Not subject to the outpatient maximum, payable via the reimbursement method)

Annual Maximum $600 $600 $600 $600 $600

Generic Coinsurance/Co-Pay 70% 70% 70% 70% 70%

Brand Coinsurance/Co-Pay 50% 50% 50% 50% 50%

Weekly RatesEmployee Only $15.98 $19.98 $20.91 $28.50 $35.78

Employee Plus Child(ren) $26.54 $37.96 $39.73 $54.15 $67.98

Employee Plus Spouse $30.36 $33.17 $34.71 $47.31 $59.39

Employee Plus Family $40.44 $50.55 $52.90 $72.11 $90.52

1 If company is sitused in CA, CO, CT, FL, ID, IN, LA, MD, MN, MO, NV, OH, RI, or UT, RX plans pays a flat $20 per day for any type of prescription drug.

ENHANCED RX PLANSLight Industrial and Clerical Employees90% of our clients choose one of these

three plans

Professional and Technical Employees

BENEFIT Value Plan Plan 1 Plan 2 Plan 3 Plan 4Medical Network First Health First Health First Health First Health First Health

Prescription Network Caremark Caremark Caremark Caremark Caremark

Network Provider Must Accept Plan Yes Yes Yes Yes Yes

Wellness Care (once per year) $75 $100 $100 $100 $100

Inpatient Hospital Benefit (require 24 hour minimum stay)

Surgery (per day) $2,000 $2,000 $3,000 $4,000 $5,000

Anesthesiology (per day) $400 $400 $600 $800 $1,000

First Hospital Admission (1 per year) N/A $250 $250 $500 $500

Standard Care (per day) $300 $300 $500 $700 $800

Intensive Care (per day) (paid in addition to standard care benefit) $400 $400 $600 $800 $900

Skilled Nursing (per day) (for stays in a skilled nursing facility after a hospital stay) $100 $100 $100 $100 $100

Outpatient Medical Benefit Maximum (All outpatient benefits are subject to outpatient maximum) $2,000 $2,000 $2,000 $2,250 $3,000

Physician Office Visit (per day) $55 $100 $100 $100 $100

Diagnostic (Lab) (per day) $75 $75 $75 $75 $75

Diagnostic (X-Ray) (per day) $150 $200 $200 $200 $200

Ambulance Services (per day) $300 $300 $300 $300 $300

Emergency Room Benefit - Sickness (per day) $100 $200 $200 $200 $200

Emergency Room Benefit - Accident (per day) (covers treatment for off the job accidents only) $300 $500 $500 $1,000 $1,000

Surgery (per day) $500 $500 $500 $1,000 $1,000

Anesthesiology (per day) $200 $200 $200 $400 $400

Physical Therapy, Speech Therapy, Occupational Therapy (per day) $50 $50 $50 $50 $50

Prescription Drugs 1 (REIMBURSEMENT) (Not subject to the outpatient maximum, payable via the reimbursement method)

Annual Maximum $600 $600 $600 $600 $600

Generic Coinsurance/Co-Pay $10 $10 $10 $10 $10

Brand Coinsurance/Co-Pay $50 $50 $50 $50 $50

Weekly RatesEmployee Only $18.76 $22.76 $23.69 $31.28 $38.56

Employee Plus Child(ren) $35.64 $43.24 $45.01 $59.43 $73.26

Employee Plus Spouse $31.16 $37.78 $39.33 $51.92 $64.01

Employee Plus Family $47.48 $57.58 $59.94 $79.14 $97.56 1 If company is sitused in CA, CO, CT, FL, ID, IN, LA, MD, MN, MO, NV, OH, RI, or UT, RX plans pays a flat $15 per day for any type of prescription drug.

Optional Benefits

WEEKLY RATES DENTAL VISION TERM LIFE STDEmployee Only $5.40 $2.42 $0.60 $4.20

Employee + Spouse $10.80 $4.84 $0.90 N/A

Employee + Child(ren) $14.58 $6.54 $0.90 N/A

Employee + Family $20.52 $9.20 $1.80 N/A

DENTAL BENEFITAnnual Maximum Benefit 1 $750 Deductible $50

Waiting Period Co-Insurance Annual Maximum Benefit

Coverage A None 80% Exams, Cleanings, Intraoral Films and Bitewings

Coverage B 3 Months 60% Fillings, Oral Surgery, and Repairs for Crowns, Bridges and Dentures

Coverage C 12 Months 50% Periodontics, Crowns, Bridges, Endodontics and Dentures

SHORT TERM DISABILITY BENEFITBenefit 60% of Salary up to $150 per week Waiting Period/Maximum Benefit Period 7 days/26 weeks

TERM LIFE BENEFITEmployee Amount 2 $10,000 (reduces to $7,500 at 65; $5,000 at age 70) Child Amount (6 months to 26 years old) $5,000

Spouse Amount 3 $5,000 (terminates at age 70) Infant Amount (15 days to 6 months) $1,000

1 Per insured, per covered year; 2 Amounts reduced by 75% at age 65, reduced to 50% at age 70; 3 Spouse coverage ends at age 70; 4 Actual plan charges will vary based on state specific exam fees; 5 Any available frame at provider location; 6 Once every 12 months. These items are $15 higher in AK, CA, HI, OR, WA.; 7 Single Vision: $25, Bifocal: $40, Trifocal: $55 8 Contact lens allows covers materials only

ACCIDENTAL LOSS OF LIFE, LIMB & SIGHT INSURANCEEmployee Amount $20,000 Child Amount (6 months to 26 years old) $5,000

Spouse Amount $20,000 Infant Amount (15 days to 6 months) $2,500Accidental Loss of Life, Limb & Sight is part of the Medical Benefit, except for the following states; FL, NC and CA where benefit is part of the Term Life Benefit as Accidental Death and Dismemberment.

VISION BENEFIT In-Network Rates Out of Network RatesEye exam with dilation as necessary 4 $10 Co-pay; Plan Pays 100% Plan pays $35; You Pay Remaining

Frames 5 $110 allowance, 20% off balance over $100 $55; You Pay Remaining

Standard Plastic Lenses for Glasses 6 $25 Co-Pay, Plan Pays 100% Co-pay: $0, plan pays $25-$55 7

Standard Contact Lens Fit Plan pays up to $55 You pay 100% of the price

Premium Contact Lens Fit Plan pays 10% off the retail price You pay 100% of the price

Contact Lenses or Disposable Lenses 8 Plan pays $110 allowance Plan pays $88

Contact Lenses Medically Necessary Plan pays 100% Plan pays $200Frequency: Examination Once every 12 months Once every 12 months

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Our Wellness/Preventive Plan (MEC W/P) Overview ESC Minimum Essential Coverage (MEC) - ERISA-Qualified, Employer Sponsored

• The self-funded ESC MEC plan will eliminate the $2,000 (A) tax on all full-time temporaries, but leaves the possibility of the $3,000 (B) tax being assessed for each full-time temporary associate that applies for and receives a Federal subsidy.

• The self-funded ESC MEC plan satisfies the individual mandate for employees if enrolled in MEC.• ESC MEC is completely voluntary and there is no employer contribution required. Our MEC W/P plan

should be offered to ALL employees to ensure compliance and eliminate potential penalties from the inadvertent misclassification of an employee’s full or part-time status.

• ESC MEC allows for employees to pay direct using credit card to help eliminate employer billing issues.

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ESC MEC Wellness/Preventive BenefitsEssential StaffCARE’s Minimum Essential Coverage (MEC) Wellness/Preventive plan is a qualified ACA-compliant, ERISA-qualified, employer-sponsored plan. The Affordable Care Act (ACA) requires that qualifying medical benefit plans cover 63 specific preventive and wellness services (15 Preventive Services for Adults, 22 Preventive Services for Women and 26 Preventive Services for Children). These services range from screening for specified medical conditions, counseling, vaccinations (for children) and certain supplements including birth control (for women). A Minimum Essential Coverage plan pays 100% for the preventive and wellness services as required by the ACA. In addition to our industry-leading administration and support, Essential StaffCARE’s MEC offering also includes the First Health Network.

MEC Plan - Includes All 63 ACA-Mandated Preventive ServicesMinimum Essential Coverage Benefits Network Non-Network

15 Preventive Services for Adults 100% 40%

22 Preventive Services for Women 100% 40%

26 Covered Preventive Services for Children 100% 40%

PPO Network First Health

Essential StaffCARE’s MEC plan is offered as a self-funded plan. Self-funded plans must adhere to federal laws including ERISA, HIPAA, COBRA, the Americans With Disability Act and others, including the ACA. As a self-funded plan, the employer has the fiduciary responsibility and assumes the risk for the employee health care benefits covered under the plan. This risk can be mitigated with the addition of Stop-Loss coverage, with claims funding at 125% of expected claims.

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ESC Major Medical (ESC Bronze) – OverviewESC Minimum Value Major Medical (ESC Bronze) – Fully Insured, ACA-Compliant

• Designed specifically to meet the needs of the Staffing Industry• Non Minimum enrollment/participation• Eliminate the (A) Tax• Employer contribution optional to eliminate or manage (B) Tax• Unlimited inpatient benefits• Electronic or paper enrollment• Enhanced technology solutions and administrative support• Must offer ESC Indemnity

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ESC Bronze Benefits• Full Inpatient Hospitalization• Preventive Care• Physician Office Visits• Hospice• Maternity and Newborn Care• Laboratory Services• Rehabilitative and Habilitative Services• Emergency Services• Pediatric Services• Prescription Drugs• Mental Health / Substance Abuse / Behavioral Health

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Claims And Customer ServicePAI Customer ServiceBehind every plan is a team of customer service representatives and claims processors dedicated to your group. Plan members can reach a person who will answer their questions (not an automated voice response system) from 8:30am - 8:00pm EST. Our service teams consistently exceed industry performance standards. It’s all part of our ongoing commitment to high-quality personal service.

Language Translation ServicesESC receives over 16,000 calls annually through our Language Translation Line, offering interpretations in 170 languages!

Top 5 Language Requests Spanish, Portuguese, Arabic, Vietnamese, and Mandarin

Highlights:• Leaders in the interpretation industry since 1984, and over 10 times larger than the next translation service• Highly trained & qualified interpreters

Essential StaffCARE, the leader in offering benefits to the staffing industry, continues to provide best-in-class service for temporary associates. We continue to set new benchmarks for the staffing industry.

• Over 2 million medical claims processed annually• 99.6% of claims processed within 30 days• 99.8% financial accuracy

• 580,000 calls received annually in call center• Average speed of answer is 21 seconds • 97.4% first call resolution

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Customer Service Advocacy Our Administrator, PAI, is dedicated to customer service advocacy.PAI has implemented multiple features to enhance the customer service experience.

Synchrony Desktop:• “Scripting” guides to the right information• Automatic desktop tracking• Access to multiple applications

» Claims » Enrollment » Form images

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On-BoardingEssential StaffCARE’s enrollment is completed through the ESC Audit Log System during the on-boarding process. Our enrollment is tailored towards your company’s needs. Enrollment can be done electronically or via paper. ESC electronic enrollment capabilities are extremely flexible and can interface with any existing electronic on-boarding system.

Electronic or Paper1. Plan Overview2. Benefit Summary3. FAQs4. Enrollment Form5. Change Form

Paper – Mail or FaxOnline ESC - ACA Audit Log

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EnrollmentOnce ESC knows the goals and the staffing firm’s budget issues, we will then build out the enrollment solutions and strategies. SSAP offers multiple enrollment options and combinations that will best work for your firm to communicate to and enroll employees.

Enrollment can be completed by using:• Online ACA Audit Log System• Online E-form Enrollment• Paper Form Process

Our simple enrollment form will become part of your on-boarding process. By obtaining an accept-or-decline from each new hire employee while they are completing their new hire documents, you are protecting your company from any potential liability. We never want an employee or an employee’s family member of your company to come back to you and claim they were discriminated against and never offered benefits. It is in your company’s best interest to make sure that all new hire employees complete the electronic enrollment form and either accept or decline coverage.

If a paper process is needed, we will ship enrollment materials to your branch locations at no charge to you. These supplies will include posters and table tents, which will assist you in informing your employees of the new benefits and the open enrollment period. The enrollment forms will automatically be shipped to your locations on a regularly scheduled basis. Other supplies, such as Onsite Reference Manuals can be ordered via email, web site, or by phone.

• Over 2 Million Enrollment Forms Processed Annually• 99.99% of Applications Processed within 4 Days• New Application Turnaround Time average is 2.5 Days• ID Card Turnaround Time is 1.2 Days• 99.5% Eligibility Updates Made within 4 Days

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Optional Customized Benefits Website• ACA Education and Links• Videos• Branded With Your Company’s Logo

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ACA Administrative ToolsMost employers have multiple vendors and systems to run their company. Benefit support is usually part of their existing process. Now, ACA has added new benefit issues to consider. ESC has tools to help solve the following issues:

• Compliance report tools on a monthly basis• Look-back rule tracked – including breaks in service and rehires• Compliance on Accept/Decline from your employees for

reporting purposes is critical• Data transfers to carriers and payroll vendors• Single Point for ACA issues and training

With Staffing Firms, the above ACA issues are complicated even more now because our market has to consider enrollment process, variable hour, turnover, employees not being familiar with benefits and possible low disposable income of their employees. Technology can be a great time saver for employers, when it addresses a staffing firm’s needs.

ESC has developed relationships and tools that provide different levels of administrative support to fit any budget. These administrative tools are designed to integrate with your existing systems.

2. ACA CostEvaluation Tools

4. AdministrativeTools

1. ESCExperience

5. ACAAudit Log

3. ACA Products& Enrollment

6. ACACompliant

SSAPESC’s Staffing Specific

Administrative Platform

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Administrative EaseDepending On Your Company’s Administrative Platform, Responsibilities Include:

• Using the ESC Audit Log System as part of your new hire process, elections for coverage will be automatically captured and sent to the Essential StaffCARE SSAP.

• If paper enrollments continue during transition to ESC Audit Log, include the enrollment form in your new hire process for completion.

• If paper, mail completed enrollment forms in the self-addressed, postage-paid envelopes provided, or fax using the provided fax cover sheet.

• Send a weekly payroll report showing all actively working employees. • Receive a weekly deduction file to key or auto-load premium deductions into your payroll system prior to processing. • Remit employee premium deductions taken via ACH, Wire Transfer, or Check.

We Do The Rest At No Charge:• Integrate electronic enrollment form into client’s existing on-

boarding system.• Supply enrollment materials & payroll stuffer announcements.• Automatically terminate employees’ benefits after 6 weeks without

a paycheck.• Sponsor a toll-free implementation call to train your internal staff

and branch managers about the new benefits plan.• Mail supplies to each of your branch offices, along with a Reference

Manual.• Automatically re-stock your supplies every two months.• Provide toll-free customer service line to handle all employee

questions.• Mail ID Cards and welcome letters to employees’ home addresses

• Provide Integrated Voice Response line (IVR) for employees to • make changes and terminations (or they can call Member Services

directly to speak to a live person). We handle the calls, not you.• Send notice of COBRA rights to terminated employees.• Administer COBRA.• Issue refunds, when necessary.• Provide valuable on-line support tools, including “real time” claims

status, personalized network print-off, forms, and much more.• Allow members to pay directly for missed premiums for claim

processing. • Reconcile your premiums.• Provide a 6-week buffer for employees to be off job assignments

but continue their benefits.• Optically scan and store all of your enrollment forms and

declinations for 7 years.

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An “Audit Log” by definition is a set of records that provides documentation of decisions and elections based on a specific timeline.

ACA requires employers to track hours, classify employees, provide required government notifications, document offers of ACA compliant coverage, and confirm benefit elections.

ESC Audit Log provides the staffing company with a controlled online system and process that maintains the required documentation in order to achieve ACA compliance.

ESC Audit Log Overview

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Staffing Companies are Provided With:• Cost Estimator Tool• Administrative & Cost Savings Tools• Manager Training Support • Educational Videos & Tools• Employee Communication, Enrollment, & ACA Notices • Variable Hour Classification Tool (Optional)• Paperless I-9 & W-4 Support (Optional) • End of Year IRS Reports, Including 6055/6056 and data for 1095c (Optional)

ESC ACA Audit Log (Staffing Company)

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ESC Audit Log (Branch Manager)Variable Hour / Full Time Employee ClassificationDuring the on-boarding process, this tool provides a standardized process to classify a new hire as a Variable Hour or Full Time Employee. ACA requires this classification to take place at the point of hire, understanding the employee classification may change in the future. The ESC Audit Log enables a branch manager to record this classification through a weighted and standardized questionnaire. This initial classification is required by ACA. Staffing companies may use this classification to determine benefit eligibility, however most companies will offer ACA compliant plans to all new hires in the event the employee’s variable hour/full time status changes in the future.

Branch Manager Online Functions:• Quickly and easily determine an employee’s Variable Hour/Full Time status using the Variable Hour

Tool on a consistent and uniform basis.• The determining factors were provided by the Federal Government to assist staffing firms and other

businesses to make this determination.• Employee classification must take place at time of hire.• Print out of a “verification page based on data assumptions entered” for your records.• Instructional videos on the employee enrollment process, accessing account management services,

directing employees to web portals and customer service representatives.

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ESC - ACA Audit Log (Employee)Employee Online Elections:

• Health Insurance Market Place Coverage Notification Required by ACA

• SBC (Summary of Benefits and Coverage): Standardized Illustration of Benefits Required by ACA

• Employee Information: Current Contact Information, Address, Phone, Email, Social, DOB, Other Required by Employer

• Educational Video Describing Benefit Offerings Required by Employer

• E-Enrollment Accept or Decline of Benefits: Record of Offer to 95% in 2016 Required by ACA

• Election Confirmation: Record of employee benefit elections and acknowledgment of ACA mandates Required by Employer