Reviewing Benefits
This page will provide answers for most all of your questions. Should you need additional assistance, please call one of our live customer service representatives at 888-682-7316 during normal business hours.
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Am I obligated to buy this health insurance plan if I continue through the application process?
Why would I want to change the employer contribution level?
No. Using HealthTrust Financial to view rates, compare or apply for a health insurance plan does not obligate you to purchase the plan.
When will I know my group's final costs?Most group health insurance plans require that the employer contribute at least 50% of the total cost of each employee's monthly premium. These minimum percentages can differ, however. By default, our web site will provide you with the minimum contribution level required by the group health plan that you've chosen. Many employers choose to pay a higher percentage for their employees' monthly premiums or opt to cover a percentage of the premium for employees' dependents.
How do I change the Employee Information?The insurance company will determine a final monthly cost for your group health insurance plan once your application has been reviewed and approved. The insurance company will assess your group using a number of criteria, including the size of your company and the health of your employees to arrive at a final monthly rate, or premium. Please note that your final monthly rate will be the same whether you apply through HealthTrust Financial, another health insurance agent, or directly with the insurance company.
How do I change the Requested Effective Date?Click the Change button across from "Requested Effective Date" and make any necessary changes to the employee information or the date on which you would like coverage to start. After updating this information click the View Quotes button and you will be brought back to the previous page so that you can see how your change affected the quote for your chosen plan.
How do I change the Employer Contribution?Click the Change button across from "Requested Effective Date" and make any necessary changes to the employee information or the date on which you would like coverage to start. After updating this information click the View Quotes button and you will be brought back to the previous page so that you can see how your change affected the quote for your chosen plan.
How do I add other benefits such as dental or vision insurance?Click the Change button across from "Employer Contribution" and make the necessary changes. Click the Recalculate Quotes button to see how the employer and employee cost sharing is affected by your changes. The Total Group Cost will not be affected by changing the contribution amount.
What are my next steps?Click the Add button to the right of "Optional Benefits" to compare and select other types of benefit plans, such as dental or vision insurance plans, available in your area.
After providing all the information requested on this page, click the View Quotes button to compare your medical plan quotes. It's that simple!
If you indicated that your company has more than 25 employees who will be enrolling in the plan, you will need to enter the information for some of the employees on an additional page on our web site.
