Benefit Eligibility and Overview
Who is Eligible?
You (and, if applicable, your spouse, domestic partner, and/or dependent children) are eligible for Businessolver's insurance coverage on the 1st of the month following your transition date if:
- You are an active full-time Businessolver employee
- You work at least 30 hours per week as a part time Businessolver employee *Temporary and Intern status are not eligible
An eligible child is married or unmarried and is under 26 years of age. Coverage will end at the end of the month in which they turn 26.
Medical Plan Only
As of 7/1/2025, if your spouse/domestic partner has access to other insurance coverage, they will no longer be eligible to be covered under Businessolver's medical plan.
When is Coverage Effective?
You become eligible the 1st of the month following your transition date. If you transition on the 1st of the month, your coverage is effective that day.
How do I Enroll?
You will enroll in your benefits through our platform, Benefitsolver. More information can be found on the "Enroll (Benefitsolver)" button at the bottom of the page.
When do Premiums Begin?
Once you enroll in your benefits, your premiums will be taken from your next pay check (after they become effective). Retro deductions may be needed based on when you enroll in your benefits. Benefits are paid current, meaning deductions taken in the month that you have coverage; January coverage is paid in the 1st two pay periods in January regardless of when hours are worked. Businessolver follows a bi-weekly pay cycle (26 pay dates per year), but premium deductions for benefits are only taken from the 1st two checks of each month (24 total). Taxes, other required deductions, and 401k will come out of every check.
When is Annual Enrollment?
We have 2 annual enrollments each year. We have an off-cycle AE for a majority of our plans, with an effective date of July 1, each year. We have an additional AE in the Fall for our Flex and HSA plans, with an effective date of January 1.
How does the Deductible Work?
Even though we elect plans mid-year, the deductibles and out-of-pocket maximums follow the calendar year and reset on January 1.
Our deductibles are not embedded, meaning if you elect to cover any dependents you are subject to the full family deductible which must be met before coinsurance would kick in.
