Question 1

What information is included in the renewal package?

Accepted Answer

1. Current + renewal plans and rates (for composite rated groups only) | 2. Renewal plan SBCs | 3. Forms needed to complete the renewal process.  | 4. All plans rate grid (for composite rated groups only)   |  5. Pertinent plan/benefit updates that may impact your client for the renewal year.  |  Renewal side by side preparation may be available.  | 6. Please contact your ER Account Executive for assistance.

Question 2

What is required if my group is selected for audit?

Accepted Answer

A copy of the group's most recent RT-6 will be required to renew the policy.  The employment status of each employee must be listed next to his/her name. Details can be found in the Group Renewal Package.

Question 3

What is required if my group is making a plan change?

Accepted Answer

Plan changes can be sent via email to your Emerson Rogers Broker Consultant. Please include the enrollment summary, plan change form and employee elections if available.

Question 4

Does this carrier offer a passive renewal if my group  isn't making any changes?

Accepted Answer

An Enrollment Summary is required on all groups. Groups without GF plans that do not respond to their renewal offer and submit an Enrollment Summary will be auto-renewed. Additional requirements are needed for groups selected for audit (see above).

Question 5

What is required if my group has grandfathered plans?

Accepted Answer

An Enrollment Summary and completed GF certificate will be required to renew the policy. Groups that do not provide these documents will lose their GF status.

Question 6

What is the deadline for timely submissions?

Accepted Answer

Required documents must be submitted at least 10 business days prior to the renewal date.

Question 7

My group has 51 or more (eligible, ALE or ATNE) - can  they renew with SG plans?

Accepted Answer

These groups may be subject to carrier review and possibly re-rated as large group (an enrollment summary and MHP form will be required in advance).  Please notify your Emerson Rogers Broker Consultant if this applies to your client.

Question 8

My group has fewer than 4 enrolled employees - will  Emerson Rogers have access to the renewal?

Accepted Answer

We will handle renewals for some groups that have fallen below 4 enrolled employees.  The GA alignment for groups of this size is removed post-renewal.  The Balanced Funding product is not available to groups of this size.

Question 9

If your group is enrolled in monthly auto pay:

Accepted Answer

The employer must re-initiate the auto draft feature through their EmployerPoint portal.  This action must be taken each year.

Question 10

Renewal month invoice:

Accepted Answer

Generated 15 days post renewal to allow time for OE elections to be processed.

Question 11

If your group is dual enrolled with Florida Healthcare Plans (FHCP):

Accepted Answer

Additional paperwork may be required to renew. Please contact your Emerson Rogers Broker Consultant for details.

Question 12

If your group is newly electing a Balanced Funding  option at renewal:

Accepted Answer

The NY Surcharge forms, GMQ and an updated census will be required to renew (the group will be subject to underwriting). The NY Surcharge forms must be filed by your client.  Please contac your Emerson Rogers Broker Consultant with questions. Fully insured plans cannot be paired with BF plans.

Question 13

Rx formularies vary by plan type:

Accepted Answer

ACA plans (BlueOptions, BlueCare, Blue Select) utilize the Care Choices Preferred Drug List: Care Choices and Care Choices for HSA Plans

Renewal Resources

Note: we may be pending 2026 Product Matrices, Cost Share Changes, Benefit Mods, and Plans List. Connect with your renewal rep for any other documents needed

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