Information regarding the application process and common questions we get from employees
If the employee chooses a plan whose carrier we are appointed with, we submit the application for them. We usually try to do this by the end of the next business day.
If the employee chooses a plan whose carrier we are not appointed with, our shopping portal will direct them to the appropriate website to complete their application.
Occasionally, employees will receive an e-mail stating that their application has been denied. If this happens during a non-Open Enrollment time period, it was very likely that the application was denied due to (what the insurance company sees as) the lack of Special Enrollment Period. However, being offered an HRA qualifies as a Qualified Life Event - and starts off the Special Enrollment Period. Many insurance carriers are unfortunately not up to date on this nuance, and will deny an application erroneously.
In this instance, we would reach out to the Operations team and ensure that the application gets resubmitted if necessary.