Get Your Questions Answered

Alabama State Chiropractic Association is offering two health plans through BlueCross BlueShield of Alabama. The Premier plan has a $500 single deductible and is the stronger of the two options. The Value plan has a $4,000 single deductible and is considered the catastrophic option.

Active ASCA members must have at least one common law employee to be eligible for the ASCA Health Plan. Sole proprietors without at least one common law employee are not eligible to participate in the plan. Please contact CAC group with questions at asca@cacgroup.com.

Participation and Eligibility Continued

Under 50 employees
There is no requirement for offering coverage to all employees, nor is there a set amount of money that an employer must contribute toward health coverage.

50 or more employees
An employer must offer coverage to “substantially all” of their employees, meaning a maximum of 5 employees not offered coverage.

An employer must offer a plan at a cost that is no more than 8.39% of their employee’s take-home income.

You may transfer to the ASCA Plan by submitting a Current Health Census to asca@cacgroup.com. Please note that you must notify all impacted employees of this change and allow them the option to opt out.

Open enrollment is a Qualifying Life Event. If your employer decides to participate and you are enrolled in another health plan, you may still be eligible to enroll in the ASCA Health Plan. Credit can be given for the deductible that you and your family members have already reached on your current health plan. If you are transferring from a BCBS plan, the deductible credit will happen automatically.

The ASCA Health Plan renews January 1, and our Open Enrollment is held in November each year. Open enrollment is the one time per year we are allowed to onboard new members to the plans. You can enroll your employees at asca.simon365.com.

Members will be responsible for submitting adds/terms/changes of any employees who elected the plan or terminated each month. This will ensure each group is billed the appropriate amount each pay period. Changes can be made at asca.simon365.com.

Each member company will have an administrative login to asca.simon365.com. Employers are responsible for remitting payment for their employees who participate in the plan. Invoices will be available on or around the 1st of every month. Payment will be due on the 15th and late on the 20th. After a second late payment, a $100 late fee will be assessed.

Questions about the ASCA Health Plan and its benefits can be directed to CAC group:
Samantha Carlisle | 205-874-1227 | scarlisle@cacgroup.com