REQUIREMENTS

Basic requirements to apply are usually:

1. Individual employee enrollment forms & health questionnaires (if required)
2. Master (Employer) application.
3. Copy of your most recent payroll tax filing listing individual employee data (Underwriters scrutinize these carefully & question any individual enrollment discrepancies which are not explained.)
4. Check for the initial month's predicted premium.
5. Signed (accepted) copy of the rate quote.

MOVING YOUR EXISTING GROUP TO A NEW CARRIER

If you are moving a plan, employees with major medical events in progress will almost certainly be significantly impacted. This is an issue most carriers ask about on the employer application, and something you will need to consider carefully before acting.  NEVER kill an existing plan until your new one is approved and given a number in writing. Merely applying does not guarantee your effective date (or even acceptance), as questions concerning participation, qualifying, enrollment materials, etc can delay the application or void it entirely.

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