All enrolling member companies will go through Underwriting to determine their rates. Groups of under 10 enrolled employees will need to complete a personal health questionnaire (PHQ) to determine the custom rate tier they qualify for. PHQs are collected through a secure online portal and delivered to underwriting.

Groups of over 10 enrolling employees can simply submit a dependent level census in order to do underwriting.

Any group that has current group coverage in place must also provide a copy of current benefits and rates. If a renewal is available, that will be required as well.

Once rates are tabulated and delivered based on the above information, group can decide to move forward with their custom benefits package.

Member companies in good standing (per bylaws) may join the Health Program. The benefits are offered to you, your employees, and their dependents.

This healthcare program was built in partnership with Triad Benefits as an exclusive member benefit. Companies are able to offer their employees as well as any dependents quality healthcare coverage with affordable monthly costs and long-term rate stability.

Member companies are eligible to enroll at any point throughout the year. Effective dates will always be on the first of the month.

For in-force member groups, an employee needs to satisfy the company’s waiting period or have a qualified live event (QLE) to enroll.

There is no minimum for enrollment. Groups as small as one employee can enroll.

There are also no participation requirements which allows for groups in special situations to enroll.

Examples would be management carve outs, groups with a large number of waivers, hospitality groups and many more.