How it Works

How it works:

  • The employer enrolls in a high-deductible plan offered by one of the states largest insurers with BEN-E-LECT's assistance.
  • Employer pays for employee claims applied to the carrier high deductible.
  • BEN-E-LECT pays for employee claims applied to the carrier high deductible on behalf of the employer.
  • The employee gets a normal plan
    • Office visit co-pays
    • Prescription co-pays
    • Coinsurance
  • Providers always submit claims to carrier first.   The billing address for the carrier is listed
    on the member's ID card.
  •  BEN-E-LECT becomes the service center for employers, employees, agent and providers.

For more information, please contact our Provider Relations Staff at (888) 886-7973.