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Q4 is here! Check out our underwriting highlights, carrier resources, and other assets designed to help you during this peak season!
Last updated: November 11, 2020
Plan Changes: Many carriers are offering a special enrollment
period for individuals who did not initially join a group policy, as well as the ability for the
employer to make changes in plan options and contribution amounts to control premium costs due
Please note: the employer will need to be compliant with the ACA’s 60-Day Advance Notice of Material Modification requirement
Premium Grace Periods: A majority of carriers already include a provision for a grace period for those clients struggling to meet monthly premium payments. Several carriers have extended this grace period due to the impact of COVID-19.
Leave or Reduction of Hours: Several carriers have relaxed requirements for employees to be actively working in order to be eligible, as long as the employer maintains payment of monthly premiums.
Rehire Eligibility: Carriers have developed different strategies for rehiring employees after termination or furlough due to COVID-19. Waiting periods may be waived to ensure the employee receives coverage once returning to work.
Employee Assistance Programs (EAP): All carriers are required to cover mental health services. EAP is an additional resource above the required benefits for mental health. At this time many carriers have offered free assistance programs for those employees struggling with mental health issues due to COVID-19.
COVID-19 Treatment: Several carriers are offering free and waived medical costs for treatment and testing.
Avg. underwriting turnaround
Show potential clients what they could be missing out on by customizing this checklist for you and your services.
Cover the cost of COBRA for the life of the policy and get a free Premium Only Plan document, too.
HR support when your clients need it at no cost.
Ensure clients get their preferred medical groups, doctors, and hospitals with our Integrated Provider Search tool. It saves you time upfront and on the back end – making your proposal more complete for your clients.Schedule a Demo
Get side-by-side plan comparisons showing current, renewal, and recommended alternatives. Built-in safeguards prevent errors and make it clear when a deductible applies. Plus, we offer 100% accurate quoting for Small Groups.See a snapshot
WBQuote Lite is a lighter version of WBQuote and perfect for quoting on the go or making on-the-fly changes with clients, like census updates.Sign in and Quote
API integration makes it easy for you to go from quote to online enrollment with just one click. Partners like Ease offer your clients a better way to manage employee benefits online.See it in action
Give your clients and their employees free access to Medical ID Card info on their smartphones when their coverage begins.* Easily add Dental, Vision, and other coverage or book a “house call” using Heal.com.Learn More
We’ll help you get into – and conquer – the Large Group market. We offer the carriers clients want, a simplified RFP process, customized presentations, value-added extras, and presentation assistance to close the deal.Tap into our pros
We have the in-house expertise you need to expand your Individual & Family Plan (IFP) sales, whether you have questions about Health Insurance, Qualifying Life Events, Medicare Supplements, or anything else.Learn More
We’ll help you stay up to date on health care reform with our Compliance Resource Center, where you’ll find tools to help clients understand their options to make the right decisions.Visit Center Now
*Immediate proof of insurance is available 24-48 hours after group case installation is approved for coverage issued by Aetna, Anthem Blue Cross, Blue Shield of California, and Health Net.(Available only in California.)
A member of our team will reach out to you with an answer as soon as possible.