Essential Staff Care FAQ’s

Important ACA Compliance Announcement

You are receiving this notice because you are considered a large Employer under the Affordable Care Act (“ACA”) for 2015. We have run reports through our ACA compliance tracking software (TRAX) to determine the number of full-time equivalent (“FTE”) employees you had in 2014. A copy of your report is available upon request.

In the coming days you will receive an introduction call from Planned Administrators, Inc. (“PAI”), who will work with you to implement one of the two ACA compliant health insurance plans for your company. PAI offers both a minimum essential coverage (“MEC”) and minimum value (“MV”) plan. The following note on Essential Staff Care insurance provides important information about these plans.

How the MV and MEC Plans Work (Click here to see the Coverage Solutions for Today)

  • These plans are considered selfinsured policies however, they are “max funded”. This means that you do not have any financial liability beyond the “fully insured premium equivalent rates” that you will pay. Within a selffunded plan, there can be a surplus or deficit at year end, any deficit will be paid automatically by the stop loss carrier, so you would never be responsible for any amount beyond the premium payment. However, any surplus will be refunded, and can be used for any other “benefits related” expense, or left in the account for future expenses with PAI.
  • The MV plan for the 2015 policy year does not include hospitalization. The IRS is allowing the MV plan to not include hospitalization for one year only. Groups will be given until March 1, 2015 to implement, so this will be your effective date for both the MEC and MV plans.
  • Employer Contribution Requirements for the MV Plan
  • Employees must pay their health insurance premiums directly

Timing and Deadlines

  • In order to achieve a March 1, 2015 effective date, we must start open enrollment NO LATER THAN January 15, 2015.
  • Open enrollment runs from 1/15/2015 to 1/31/2015.
  • PAI will mail enrollment information to employees with “direct payment” instructions by February 15, 2015.

PLEASE REMEMBER to respond to the email that PAI sends after the introduction call. You’ll need to send them your company logo for the enrollment packets.


  • Your company has been deemed a Large Employer, but the number of employees PAI will reference are the active Employees in Vensure’s payroll system and not necessarily your 2014 FTE count.
  • Enrollment applications can be electronic or hard copy. PAI will provide both.
  • Employees will get a packet of information sent to their home address. This will notify the Employee to go to the appropriate benefit website to elect how they would like to pay for their coverage.
  • Coverage for the Employees begins the Monday after the first deduction in March.
  • Once the Employee makes their first payment, PAI will invoice you between the 15th and the 20th of the month, but only for the Employer portion of MV premium for those Employees who enrolled in the MV.
  • If an Employee does not pay their portion of the premium, they will have a 30 day grace period to bring their balance current before the insurance policy terminates.
  • If the Employee doesn’t pay during this time, the coverage will be canceled and you will receive a refund of premium you paid for that Employee.
  • Employees will not enroll in both the MEC and MV health plans. The MEC should be taken by all Employees who do not enroll in the MV plan. We will notify you of those Employees who you must offer MV coverage to.
  • PAI will conduct an Implementation call with you following the introduction call.
  • Each policy has its own application. Please make sure your Employees use the right application for the policy they want.

Should you have any questions regarding Essential Staff Care insurance, please do not hesitate to contact

5 Ways to Bring Fun to the Workplace

When employees enjoy going to work, their productivity increases. Does a fun and pleasant work environment encourage better work habits? Most business managers will answer with a resounding yes! The employer’s challenge is to provide some fun activities at the office without sacrificing the quality of work. The smart business manager will include some activities in the daily work plan that allow for employees to develop good working relationships while putting smiles on their faces. There is a direct relationship between productivity and profitability, and happy employees are productive. Bosses, managers, and employees can all contribute ideas to make the workplace fun. To help get you started, we have provided some ideas.

Music is a mood enhancer.
You may find employees tapping their toes and feeling content when listening to some of their favorite sounds. Choose a selection of music suggested by your office staff. Don’t be surprised if someone occasionally does a little dance step on their way to the copy machine.

Morning meetings can always benefit from a laugh or two.
Visit online humor sites to find “office” jokes and funny stories that relate to your type of business. A good laugh relaxes everyone and contributes to a profitable meeting.

The age of technology has created many fun apps.
One great app, AutoRap, morphs your words into a fun rap. Get together at lunch with other employees and write a rap song for your office or team. Present it at a morning sales meeting.

Casual Fridays
Casual Friday is a great way for everyone to enjoy the last day of the work week. Comfortable jeans and a nice shirt make finishing up the week’s work fun. Change the style occasionally and have a Hawaiian or beach themed Friday.

Monthly Potluck
Institute a monthly potluck and invite everyone to bring a favorite dish, as well as a copy of the recipe to share with co-workers.