About BAC
What does a TPA do for me?
BAC is hired by your employer to manage the day-to-day operations of your company’s self-funded health plan. That means we:
| • | Process your claims | |
| • | Maintain eligibility and enrollment records | |
| • | Help you manage complicated medical issues | |
| • | Answer your questions about coverage and benefits | |
| • | Coordinate with providers, networks, and other vendors | |
| • | Help you navigate your health plan and answer your questions |
Why a Self-Funded Health Plan?
Your employer has chosen to self-fund your health benefits. This means:
| • | Instead of paying fixed premiums to an insurance company, your employer sets aside funds to pay claims directly. | ||
| • | This approach allows for more control over plan design, rising costs, and care quality. | ||
| • | To limit financial risk, your employer also carries stop-loss insurance, which protects the plan from very large or unexpected claims. | ||
| • | BAC helps manage all of this behind the scenes so that your benefits run smoothly. | ||
How Does My Plan Work?
A self-funded plan includes many different components that work together to support your care:
| • | A provider network (PPO) that gives you access to discounted rates with doctors and hospitals | |
| • | A pharmacy benefit manager (PBM) to help manage your prescription coverage and costs | |
| • | Additional vendors for services like telehealth, mental health, or other carved-out benefits |
BAC is the hub that connects these moving parts. We coordinate the entire plan. Whether it’s a medical claim, a pharmacy question, or you need help managing a chronic condition, we make sure everything works the way it should. We are here for you! Call us. Email us. Use us as your trusted resource. Our friendly team is ready to provide the support you need to feel confident about your benefits.
Frequently Asked Questions:
Because your plan is self-funded, your employer—not an insurance company—is paying for your claims. BAC manages the plan, but your employer sponsors it. The BAC ID card has all the information your providers need for the PPO network and how to verify your eligibility and benefits.
When at a provider’s office or facility, the front desk can verify your eligibility and benefits by using BAC’s payer ID 49984. They can also call BAC at 800.521.2654. Providers can make the mistake of looking for BAC members under the fully insured programs instead of the network access arrangements used by self-funded health plans.
Yes! Directories are linked under the Find a Provider page of this website. Click on the logo that matches the network logo on the bottom left of your BAC ID Card.
Before you pay a bill from a provider, check your BAC explanation of benefits (available at the BAC Member’s Area) to make sure the network discount and/or plan payment matches. If a bill from a provider does not look correct, we will help. Sometimes a claim has not been submitted properly so we need to reach out to the provider. Email ClaimTeams@bactpa.com or contact your group’s dedicated Claim Specialist for assistance.
Contact your dedicated BAC benefits team! Our team can help with claims, eligibility, coverage questions, and much more. Your welcome packet, the BAC Member’s Area, and other BAC communications list your direct contacts at BAC—we welcome you to use their direct emails and phone numbers.