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ASO Frequently Asked Questions |
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What is an ASO? ASO stands for Administrative Services Outsourcing Organization. CPR is an ASO formed for the intent and purpose of creating and maintaining healthier work-health-life balance of owners, employees, and families.
How do I see the CPR plan descriptions, details, and benefits? Members: You are able to view the plan summaries and details after registering through the online enrollment. You are not required to sign up for benefits or provide payment information to view the plan descriptions, but the secure login is required before showing plan information to ensure the proper benefits packages are shown to active employees and members. Not a Member Yet: You may request a proposal for your organization by contacting our sales office at GroupBenefits@CPR-ASO.com or by calling (972) 724-8900.
What do we get with our membership to CPR-ASO? Industry Specific Compliance Services, Health and Wellness Programs, Health and Supplemental Insurances, Compliance Testing and Training, as well as Partner Services and Discounts as included options.
How much does CPR membership cost? Membership ranges monthly depending on group setup as well as individual selections made for additional member options and insurance plans when available. Standard membership covers the Industry Specific Compliance Services, Health and Wellness Programs, and several specific Partner Services including 1) Physicians by phone, and 2) Fitness club memberships. Members: You are able to see all rates through your secure login to the enrollment system. Not a Member Yet: You may request a proposal for your organization by contacting our sales office at GroupBenefits@CPR-ASO.com or by calling (972) 724-8900.
FREQUENTLY ASKED QUESTIONS SPECIFICALLY RELATED TO HEALTH INSURANCE:
Who is the carrier through CPR? Being partially self-funded, there are several parts you may be referring to. I’ll list all 3: 1) PHCS PPO is the provider network. You can go to www.PHCS.com to search for your doctors or hospitals to make sure they are in-network. 2) True Benefits Administrators is the claims paying TPA. This is where each of your claims from the doctors and hospitals are sent for processing and payments. 3) Multiple carriers are secured for different “stop-loss” levels. This is also commonly referred to as “reinsurance”.
Are WE self funding insurance? CPR is carrying the risk for the ASO. From your perspective, it is fully insured with no loss / no gain when it comes to insurance premiums or the claims.
My insurance agent/broker says to verify CPR’s ASO is legal. Is it? An ASO, while often misunderstood, is in fact a legal entity and the insurance plans are employer sponsored insurance plans covered by Title I of ERISA.
My insurance agent/broker says to verify if CPR’s ASO is a MEWA. What does that mean? A MEWA is a term meaning “Multiple Employer Welfare Account”. CPR-ASO is not a MEWA as it is exempt pursuant to DOL codes and regulations.
Questions or Comments Please feel free to send your questions or comments to GroupBenefits@CPR-ASO.com. |