Contact Us: (630) 707-7263
Employee Solutions Group
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  • Home
    • About Us
    • Refer a Friend
    • Charity Causes >
      • Dupage Health Coalition
      • Heart of a Veteran
    • Opportunities at ESG
  • Solutions
    • HR Solutions - ESG Advantage >
      • 2021 HR Game Plan
      • 10 Reasons Why
    • Benefits Solutions >
      • Health & Wellness >
        • Traditional Healthcare
        • Medical Share Plan
        • WhyFit Wellness
        • Delta Dental
        • VSP Vision
      • Life and Disability
      • Hyatt Legal Services
      • Executive Benefits
      • Financial Services >
        • Financial Services >
          • Annuities
        • Workplace Financial Wellness
        • Mortgage Planning
        • Get a Quote
      • Udemy Online Education
    • Payroll Solutions
    • Compliance Solutions >
      • Compliance Training Summaries
  • Resources
    • Blog >
      • ESG Blog Signup
    • ESG Care Team
  • Client Portal
    • HS Health Plan Details
  • Contact Us
    • Schedule Here

Your Benefits with Hand & Stone 

Choose the Plan that's Right for You
Copay Advanced/Medical Share
Preventive Care/Medical Share
​
Medical Share Only

Plus, Dental and Vision Plan Options
Open Enrollment is Sep 1 - Sep 7

Medical share plans offer an affordable option for healthcare coverage.  Like traditional healthcare plans, medical share plans  can cover the day-to-day needs such as preventive screenings, doctor visits, and prescription drugs, but also protects you against the cost of large healthcare expenses from an illness or an injury. 

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Choose Your Healthcare Plan

Choose your plan how you use your plan;
Full Service (Co-Pay Advanced), Preventive Care w/Medical Share or Medical Share only.  

​Medical providers are part of the PHCS network at www.multiplan.com. Plans start at $36 per paycheck. 
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Teladoc  Services are Free

​All  healthcare plans include Teladoc services at no cost with unlimited use.  Be sure to sign up when you receive your welcome packet. 
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Limited Out of Pocket Expense

Each plan limits your out of pocket cost to $1,000 per illness or injury need, never to exceed $3,000 per person or $5,000 per family per year. 

Click here for your cost guide
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Dental and Vision Care Options

Your choice of two dental;  Dental Co-pay plan has no deductible and a maximum benefit of $1,500 yr. Standard Dental has  no  waiting  period and a maximum benefit of $2,000 yr. 

Vision plan are available. 

CLICK HERE TO DOWNLOAD Benefit Plan Outlines and Cost Information

Medical Share FAQ


​There are 21 qualified tests for adults, 26 tests for women and 28 tests for children. These tests and services are provided at no cost to the members. For a complete list of covered preventive care services, please visit: www.healthcare.gov/center/regulations/prevention.html


When it comes to preventive care and testing, the PHCS network is the largest in the country. It's very likely your provider is already a member.


No. If fact several common prescriptions are just $1. If your prescription is considered a maintenance medication our prescription plan provides tiered costs and mail order discounts. If your prescription is part of the cure for a "need" specific to an illness or injury it is submitted for sharing in the community. If your doctor recommends medication after the "need" has been cured, it would be considered a maintenance medication after 120 days.


Yes. doctor visits, specialists, urgent care, diagnostic x-rays and prescription drugs have nominal co-pays and co-insurance but only until you meet your initial unshared amount (IUA).


The IUA is the first $1,000 of cost paid by the member related to a need of a specific illness or injury. Once the initial unshared amount has been met, all remaining costs are subject to sharing within the community. Each member can have three (3) needs in one year and five (5) when there are family members participating. Everything is fully shareable after that point.


A need is triggered when a member experiences one or more medical expenses related to an illness or injury and ends when the doctor considers the "need" cured.


Preventive care and co-pays for doctor visits, specialists, etc., are covered at the time of the visit. Generally, no claims process is needed. When a member incurs medical expenses in excess of their initial unshared amount, they send in proof of the expense they receive from the provider. Qualified needs are then designated for sharing. Medical bills can be faxed, mailed or scanned.


At the time of service, members should show their member card. The provider will bill the member directly. The member then organizes their bills, completes a need processing form (NPF) and submits copies of all relative medical bills and proof of payments made towards their initial unsharaed amount. Our team of medical bill negotiators may contact the providers to discuss a more appropriate payment for services performed. Members will receive funds for the new amount, less their IUA.


It's as easy as 1.2.3. Contact Employee Solutions Group at 630-888-7144 to schedule a face to face or online enrollment. Download the benefits plan outline. Gather your family's social security information, jot down any questions and meet with your benefits specialist.


The ESG Service Team is on call Monday through Friday 9:00 to 5:00 or you can send an email to info@employeesolutionsgroup.com

​Questions? Call the ESG Care Team 630-888-7144
CLICK HERE TO GO TO THE EMPLOYEE ENROLLMENT PORTAL

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Employee Solutions Group​
5 S. Washington Street
​Suite 105 #304
Naperville, IL 60540
(630) 707-7263
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