135 Camino Dorado, Napa, CA 94558
Phone: (800) 437-8770 Fax: (800) 831-321-2100
 

With BESA Health, Life, Optical & Dental Plans You Get:

• Freedom of Choice:

Each employer can choose to offer one or all sponsored carriers. Each employee can choose any plan selected by the employer.

• Single Billing:

One bill for all plans offered and each employee selection.

• Stand Alone Products:

All products are offered on a "stand alone" basis. Each employer can choose any or all products, with the only limitation being one HMO, one PPO or one POS from each sponsored carrier.

• Guaranteed Issue and Guaranteed Rates:

No medical underwriting required. Rates are guaranteed from April 1 through March 31 of the following year.

• Extensive Doctor, Hospital, Medical Provider Listings:

With several HMO Networks, one PPO, and one POS each employee has an incredible selection, superior to any single network in California.

• Dedicated Service:

Q & A Insurance (800) 437-8770
Cameron Hyland Q & A Insurance Marketing, Inc. (415) 883-1388

Welcome to the Builders Exchange Service Association Insurance Program. We believe the Program to be one of the most competitively priced, comprehensive and flexible offerings in Employee Benefits anywhere. The intent of this introduction is to assist you in finding the information you are interested in. Below is a summary of the available coverages. All of the plans are stand alone plans. You may sign up for any of the coverages without getting any other coverage (i.e., dental plan without health coverage, etc.). You must be a member in good standing to participate.

Click on the underlined links in the Table of Contents for the benefits of interest to you. In the case of health coverage, verify your area (areas are listed by your zip code and/or county). Then, look up the appropriate premiums per employee by age and dependent status. Should you need additional assistance after reviewing this section, or if you do not find the type of coverage, or plan, you are looking for, please call

Builders Exchange Service Association
(707) 255-2690 or
Cameron Hyland, Q & A Insurance Marketing, Inc.
(415) 883-1388 or email cameronh@independentplanning.com

New SNBE members must elect to enroll in the health plan of their choice within 90 days of membership approval, or wait until the next open enrollment period. A member firm in receipt of a renewal letter from a competitive carrier my join within 30 days of the firms normal renewal.

Health Coverage: There is a PPO or a POS (See glossary of terms) and several HMO's to choose from. An employer can choose one plan from each of the carriers for all their employees or, allow the employees to choose one plan from each of the health carriers offered (i.e., some employees in the PPO, others in the HMO of their choice). This is called Mix & Match coverage. Only one plan per carrier can be selected for Mix & Match*. Health Net requires a 40% split between H/N & Kaiser plans. Not all carriers offer providers (doctors, hospital, etc.) in all areas. Be sure to verify availability of providers for the plan(s) you are interested in. Also, be sure to compare plan benefits, and co-payments before making your decision. They will have a direct bearing on the premiums you pay.

Dental Coverage: There are two plans available. Both plans allows the insured to go to the dentist of their choice, or use a dentist in their PDP (Preferred Dentist Program) Network and reduce their out-of-pocket cost. 100% of eligible employees must enroll for dental coverage.

Optical Coverage: Blue View one plan both eye wear and eye care.

Group Life Coverage: There are four options offered. No medical underwriting is required. If chosen, 100% of eligible employees must enroll.

Voluntary Term Life: Term Life Insurance is offered on an individual basis. Age banded rates for Smoker and Non-Smoker insurers. Offered down to one employee. Available to spouses whether or not the employee is covered. Medical statements required.

All group plans are Guaranteed Issue (with the exception of Voluntary Term Life).

The plans and coverages included here have been designed with the majority of our members needs in mind. If after looking through this section you do not find the coverages or plans you are interested in, please contact us:
Builders Exchange Service Association
(800) 437-8770   Q & A Insurance
Your Program Manager has the ability to research the market in order to provide the exact coverage and/or funding method you desire. You will not find a more flexible or responsive program available to you. The Program Manager has the ability to address the individual needs of each and every member firm.

* For example: Health Net PPO OPTIONS PPO 20 and PPO-2000