Employers
Small Business Quoting
At OneHealth, our process is designed with simplicity and efficiency in mind, ensuring that brokers and businesses can navigate healthcare solutions with ease. We begin by understanding the unique needs of each client, from compliance requirements to employee wellness goals.
Our Process
Just 4 Easy Steps
In 4 easy steps, we can go from having an opportunity, to having a proposal while our team helps at every step of the way!
Gather Details
Gather a dependent level census, current rates, and plan designs from the Employer.
Information
Complete the necessary information within the OneHealth Case Submission Link.
Turnaround
Wait a few days for Underwriting to come, learn the status of your quote, and receive a proposal, or possible a decline to quote.
Meet With Us
Meet with one of our specialists and review our proposal, potential savings, and help you present it to your client.
Census Format
What is a Dependent Level Census?
Our Team here at OneHealth underwrites each group based on each employee, and their dependents, that would be taking part in our plan. We utilize AI, and various databases to determine the risk that each group carriers, and the resulting rate we would assign that group. If a group has new employees come on, or leave before the group goes into effect, we will have to re-evaluate the risk at that point and re-quote the group.
File must include all full time employees, along with their legal dependents if they will be participating in the Health Plan.
If an employee, or their dependents are not listed on the initial census, and are added after a quote is generated, we will have to re-quote the group.
We require all employees to be listed, regardless of their participation currently in your health plan, or future participation.
Those not participating can be notated on the census, meaning they are not underwritten with the rest of the population, which can benefit the end rate.
If an employee lists that they will not be participating in the plan, and then decides to participate once a quote is generated, we will have to re-quote the group.
Any employee that waives coverage will not be allowed onto the plan mid year, unless via a QLE. They will have to wait until the following year’s open enrollment.
Highlights
Quote Details & Parameters
Quotes are valid for 60 days from the date the quote is sent to the agent.
After 60 days, even if no changes have occurred on the census, we will still need to re-quote the group.
Just because an employer decides to move forward, that does not mean any changes to the risk will not be re-quoted ahead of the effective date.
If an employer decides to sign up now, but the effective date is more than 60 days out, we will still need to re-quote the group ahead of the effective date.
FAQs
Got questions? We've got answers
Being re-quoted means we look at the new risk, and that means the rated quote could increase, decrease, stay the same, or be declined altogether.
This means there have been new hires, terminations, a current employee has had a QLE and will now become eligible, or there has been a change in the dependents of one of the employees.
