Frequently Asked Questions
When is open enrollment and how long do I have to make changes?
Open enrollment begins May 15th and ends June 15th. All changes must be made before June 15th. Any changes made will go into effect on July 1st.
What is open enrollment?
Due to restrictions in the health insurance industry, you may only apply for, or make changes to, your health insurance once per year (except in special circumstances).
What exceptions are there?
If you experience any of the following events, you may make changes to your insurance within 30 days:
- Losing existing health coverage
- Losing or gaining eligibility for Medicare, Medicaid, or CHIP
- Turning 26 and losing coverage through a parent’s plan
- Getting married or divorced
- Having a baby or adopting a child
- Death in the family
- Moving to a different ZIP code or county
Why did I receiving an email?
You have been identified as an eligible employee for benefits through Ensign Hospitality. This occurs when you:
- Are a full-time employee
- Are a part-time employee that has worked on average of 30 or more hours a week for the last 12 months
Why do different areas have different options available?
Our goal is, and always will be to provide the best benefits available without it costing you an arm or a leg. We strategically negotiate specific rates based on what healthcare systems are in the area where you live. This gives us custom coverage that allows us to save both you and us money, we then pass those savings on to you.
I don't want to make any changes, Do I have to do anything?
Yes. Due to health care regulations, we require all eligible participants to sign an agreement to continue your current benefits or sign a waiver.
I do not want insurance, Do I have to do anything?
You must still sign a waiver and let us know why you don't want/need insurance. This information is required by the IRS for us to report on our tax forms. We also use this information to gain access to lower rates and better coverage through our insurance companies.
I don't understand insurance, is there anyone who can help me figure out what policy is best for me?
We have a dedicated team that will visit each of the properties on a scheduled day to help assist you in making the best decision possible. Please see the schedule on this page to see when we will be visiting your location.
Why do I have to provided so much personal information?
Health Insurance companies use the information you provide to verify your identity. This prevents identity theft and insurance fraud.
Is my information safe?
While there will always be a risk of having your information stolen, we use state-of-the-art technology to encrypt your data and keep your data safe. Ensign Hospitality is committed to your privacy. We ensure all your data is handled according to the strict standards that are set in HIPPA and other privacy laws.
Do I have to enroll using iSolved?
We make ever effort to collect all documents and signatures through iSolved to prevent human error and to ensure that your information doesn't have to pass through more hand than necessary. However, if you don't have access you may request a paper copy.
What if I am having issues with my iSolved account?
You can either request help using this form to reset your account, or you can visit any of the open enrollment booths on property at the scheduled dates listed here. One of our team members who specializes in insurance can do the hard work, all you have to do is sign on the line.
What is ACA?
The Affordable Care Act is a law passed in March 2010, sometimes referred to as "Obamacare", PPACA, or ACA. This law changed the health insurance industry and has several requirements. One requirement that affects you is that you must be insured 9 out of every 12 months otherwise you face a tax penalty of 2.5%. This was recently changed to a 0% tax penalty. While the requirement still stays in place you no longer will get taxed for not having coverage. There is a lot more to this law that affects insurance companies and employers and you can read more about that here.