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It outlines enrollment via a Personal Health Questionnaire submitted through a secure portal and collected into a HIPAA-compliant database, plus how customized rates can be formulated. The document covers pricing timing, one-year validity, network options, emergency care handling, open network reference-based pricing, coverage outside networks, authorization when switching plans, ACA essential health coverage and limits on dental, open enrollment and waiting requirements, minimum enrollment rules, Rx discount card details, and ERISA applicability.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/asadvantage-health-plan-benefits-frequently-asked-questions-health-plan-faqs/386802/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/asadvantage-health-plan-benefits-frequently-asked-questions-health-plan-faqs/386802.png","ImageObject",300,407,{"name":92,"@type":93},"River Wang","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-28","2026-09-24",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",11,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"Who is eligible to join the Health Plan?","Question",{"text":113,"@type":114},"Member companies in good standing may join the Health Plan. Benefits are offered to you, your employees, and their dependents.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"How are enrollees processed and how are rates determined?",{"text":118,"@type":114},"All enrolling members submit a PHQ (Personal Health Questionnaire) through a secure portal into a HIPAA-compliant database. Using combined organizational history, customized rates can be formulated.",{"name":120,"@type":111,"acceptedAnswer":121},"How do networks work, and what happens in a medical emergency outside the network?",{"text":122,"@type":114},"Members can use First Health-PPO and RBP/PHCS open network facilities. If there is a true medical emergency, you can go to any hospital’s emergency room; if it is not a true emergency, restrictions may apply.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},386802,1790625188,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":24,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145,"preview_page_count":4},1099514067438,"https://ap-avatar.wpscdn.com/avatar/100002539ee87300030?x-image-process=image/resize,m_fixed,w_180,h_180&k=1780474512215547542","the ASAdvantage Health Plan Benefits Frequently Asked Questions  \n(FAQ)  \nH e a l t h P l a n  \nAMERICAN  \nSUBCONTRACTORS  \nASSOCIATION  \nTM  \nQ: Who is eligible?  \nA: Member companies in good standing (per bylaws) may join the Health Plan. The benefits are offered to you, your employees and their dependents.  \nQ: Why is the association offering this?  \nA: We are always seeking to improve our member benefits. We saw an opportunity to offer our membership a quality healthcare solution built EXCLUSIVELY for association members.  \nQ: What are the benefits?  \nA: This health insurance program was built EXCLUSIVELY for association members and offers you, your employees, and their dependents quality healthcare with affordable monthly premiums, discounted group rates, and long term rate stability.  \nQ: What is the process? How does this work?  \nA: All enrolling members will submit a PHQ. (Personal Health Questionnaire) . The PHQ’s are collected through a secure portal and dropped into a HIPAA compliant database. The PHQ is a summary of your  \nhealth history. Utilizing the combined history of an organization’s population, customized rates can be formulated.  \nQ: What does it cost?  \nA: The cost is to be determined after the census gathering portion of the process. There is no way to determine exact rates until the stop loss carrier can see a sample of the groups. But, we have traditionally seen rates anywhere from 10% -25% lower than the marketplace for comparable products. We also implement a tiered rating system for the plan that helps reach  \na majority of the groups.  \nQ: How long are the plans and rates offered by the Health Plan valid?  \nCan my coverage be canceled at any time?  \nA: Plans and rates are good for one year from the initial offering date. Once launched, the Health Plan cannot cancel the coverage during the plan year. Groups will receive advance notice of changes or termination upon renewal, as state and federal laws require.  \nQ: What networks are available to plan members?  \nA: • First Health-PPO: [https://www.my](https://www.my)fi[rsthealth.com/LocateProvider/LocateProviderSearch/](rsthealth.com/LocateProvider/LocateProviderSearch/)  \n• RBP -PHCS Provider and open [network facilities: www.multiplan.com/webcenter/portal/ProviderSearch](network facilities: www.multiplan.com/webcenter/portal/ProviderSearch)  \nQ: What if there is an emergency and I go to a hospital outside of the network?  \nA: If you are experiencing a true medical emergency then you can go to any hospital’s emergency room.  \nIf it is not a true emergency some restrictions may apply.  \nQ: Could we go with an Open Network?  \nCould we use Blue Cross or United Networks?  \nA: The Reference Based Pricing option is an “open network” program. While members can see a provider in the PHCS network, they can also see any provider and they will be covered.  \nQ: Can my employees and their beneficiaries be seen at any facility even if it is out-of-network?  \nA: Employees and their beneficiaries are covered at any facility of their choice, in or out of network.  \nQ: Can my employees or I continue the treatment plans that have been authorized by our current carrier?  \nA: When switching to a new health plan, you must go through the authorization procedures of the new plan. Through a partnership with My Advocate Pro, the Health Plan has a team of highly trained consumer advocates  \nready to assist with the process.  \nQ: What does the health plan cover? Does the health plan include dental coverage?  \nA: The health plan covers all essential coverages required by the ACA as any carrier product. The health plan does not provide dental but it can be purchased as a separate benefit from your agent.  \nQ: Can an individual employed by a member company enroll individually or is this benefit only available to member companies who would enroll their employees?  \nA: The plan is offered at the member company level, not the individual level.  \nQ:  \nA:  \nQ:  \nA:  \nQ:  \nA:  \nQ:  \nA:  \nQ:  \nA: ","cbCaiub6vmfbRTrS","https://ap.wps.com/l/cbCaiub6vmfbRTrS","pdf",131415,"English","# Questions and Answers\n## Eligibility and program purpose\n## Benefits and pricing\n## Enrollment process and plan validity\n## Networks and out-of-network care\n## Open network and coverage at any facility\n## Switching plans and authorization\n## Coverage scope (including dental)\n## Employee enrollment, open enrollment, and minimum enrollment\n## Pharmacy discount card and ERISA\n## Broker availability and contacts","[{\"question\":\"Who is eligible to join the Health Plan?\",\"answer\":\"Member companies in good standing may join the Health Plan. Benefits are offered to you, your employees, and their dependents.\"},{\"question\":\"How are enrollees processed and how are rates determined?\",\"answer\":\"All enrolling members submit a PHQ (Personal Health Questionnaire) through a secure portal into a HIPAA-compliant database. Using combined organizational history, customized rates can be formulated.\"},{\"question\":\"How do networks work, and what happens in a medical emergency outside the network?\",\"answer\":\"Members can use First Health-PPO and RBP/PHCS open network facilities. If there is a true medical emergency, you can go to any hospital’s emergency room; if it is not a true emergency, restrictions may apply.\"}]","ASAdvantage Health Plan Benefits Frequently Asked Questions - Health Plan FAQs | PDF",1790276242,13]