The most important part of the renewal process is to have a current correct employee census from your group.  There are three size categories that are determined by the federal government and adopted by each respective state.  In Oregon you must list the number of employees you have working more than 17.5 hours per week even if you do not intend to provide benefits for some of those listed.  The three categories are: 

1. SEHI (Small Employer Health Insurance) – 2 – 25 employees. SEHI coverage is guaranteed issue for all employees and is based on geographic location, age and family composition for pricing.
   
   
2. HIPAA (Health Insurance Portability & Accountability Act) – 26 – 50 employees.  HIPAA coverage is based on guaranteed acceptance for all employees and is based on geographic location, age, gender, family composition as well as occupation/industry.  Final pricing can vary as a result of these factors.
   
   
3. Large Group – 51+ employees.  Carriers are able to load their rating system any way they like in this category.

Once your employee census is completed along with your eligibility requirements and your location we can then prepare a request for proposal and obtain quotes from the market.  Our spreadsheet is prepared to help you compare the current pricing and to assist you in making the best decision for your firm.

The timeline for this process usually starts 90 days prior to your actual renewal date so as to allow enough time for comparisons to be discussed and for alternatives to be carefully examined.  Once we have completed this process and a decision is made we will implement the new program on your behalf for the employees of your firm.

Service Model

Regular service calls to the employer. 

Flawless execution of the renewal process

24 hour turnaround on all calls and emails to our office.

Consistent discussion with the carrier to insure that the lowest price possible is being provided for the level of benefits desired. This varies with the size of the group.  

Anticipation versus reaction for all decisions with regards to design and structure of the plan.       

Forms:

• Census Form (Excel)
• Anniversary Review List (Word .doc)