- 1). Call a broker to sell you group health insurance. If you do not already have a broker, visit the National Association of Health Underwriters' web site to search for a broker to call. Tell the broker your company's size, location and budget and they will search and present you with options and assist with the set-up of group health insurance. The broker may charge a flat fee based on number of employees but often they do not charge the employer as they get paid by the insurance company on the commission of the sale.
- 2). Visit the website of several major health insurance carriers such as Aetna, United Healthcare and your regional Blue Cross Blue Shield. On their sites, click the option for "Employers" to get information about the different group health plans, such as Health Maintanance Organizations or Preferred Provider Organizations, that may be available to your company.
- 3). Complete an online questionnaire about your company's health insurance needs, if the carrier has one on its web site. Answer questions about your company's location and size. This is so the carrier can route your inquiry appropriately. If no questionaire is available, call the phone number of the sales department, as provided on the site. If the carrier requires that you work with a broker to obtain their insurance, call a broker licensed to sell that carrier's products.
- 4). Provide information to the broker or health insurance sales manager about your company. You may need to fill out an application and provide your company name, size, location, desired coverage effective dates, number of employees and number of employees enrolled on COBRA benefits.
- 5). Review the quotes and plans provided by each health insurance carrier. Decide which best suits your employer's needs and notify your broker and/or the health plan of your decision. You will work directly with a health plan account executive, assigned to your company, or your broker, to set up billing between your company and the insurer.
- 6). Set up the employee enrollment process with the health plan's account executive and your broker. Often, she will also assist in creating and sending employee communication materials and participate in open enrollment meetings with your employees. Enrollment typically occurs one to two months prior to the coverage effective date. The health plan will send employees ID cards among other helpful materials.
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