ENROLLMENT PROCESS INTELLABRIDGECARE GUARANTEED ISSUE SHORT TERM MEDICAL. Version

Transcription

1 ENROLLMENT PROCESS INTELLABRIDGECARE GUARANTEED ISSUE SHORT TERM MEDICAL Version

2 ACCESS YOUR AGENT LINK TO RUN A PRICE QUOTE AND/OR COMPLETE AN ENROLLMENT CHOOSE THE SHORT TERM MEDICAL ENROLLMENT BUTTON DO NOT USE THE PRICES BUTTON IT WILL NOT DISPLAY THE RATES. Version

3 ENTER ALL APPLICANT INFORMATION FOR THE STM PRODUCT ONLY THIS WILL CALCULATE THE STM RATES. (Note: the rater will show ALL RATES, regardless if the state you enter is available for sales) CLICK UPDATE TO CALCULATE STM RATES IMPORTANT NOTES: THE QUOTER WILL RUN QUOTES IN ALL STATES, REGARDLESS OF PRODUCT AVAILABILITY. THEREFORE. YOU MUST REFER TO THE NO SALES STATES LISTED ON THE PREVIOUS PAGE BEFORE PITCHING THE PRODUCT TO YOUR CONSUMER. CHILD ONLY PLANS ARE NOT AVAILABLE. YOU MUST ENTER A FIRST LAST NAME FOR EVERY APPLICANT IN ORDER TO LOAD THE RATES CORRECTLY!!! Version

4 CROSS-SELLING THE INTELLAPLAN AME/CI PLAN: 1. IF YOU ARE CROSS-SELLING YOUR CUSTOMER WITH THE INTELLAPLAN, ADD THE INTELLAPLAN FROM THE RELATED PRODUCTS SECTION TO THE CART, AND DELETE THE BASIC ASSOCIATION PACKAGE. 2. IF NOT CROSS-SELLING, DO NOT DELETE THE STM ASSOCIATION PACKAGE YOU MUST ENROLL THE CUSTOMER IN THE ASSOCIATION PACKAGE IF NOT APPLYING ALSO FOR THE INTELLAPLAN. THE STM MUST BE SOLD WITH EITHER THE STM ASSOCIATION PACKAGE OR THE INTELLAPLAN. IT CANNOT BE SOLD WITHOUT ONE OR THE OTHER, AND IT CANNOT BE SOLD WITH BOTH. PLEASE NOTE: IF THE MEMBER ALREADY HAS AN ACTIVE INTELLAPLAN AND THEY ARE NOW APPLYING FOR THE STM PRODUCT, YOU MUST DELETE THE BASIC ASSOCIATION PACKAGE FROM THE CART, AND NO OTHER OPTION MAY BE ENROLLED. Version

5 CHOOSE THE CORRECT STM PLAN FROM THE DROP DOWN MENU IF ENROLLING IN THE INTELLAPLAN: CHOOSE THE CORRECT MEMBERSHIP LEVEL FROM THE DROP DOWN MENU: CLICK RECALCULATE TO UPDATE THE CORRECT RATES IN THE SHOPPING CART Version

6 THE PRODUCT TOTAL IS SHOWN (PLEASE NOTE: THE TOTAL FEE SHOWN INCLUDES THE ONE-TIME ENROLLMENT FEE CLICK CHECK-OUT TO PROCEED TO THE ENROLLMENT PAGE Version

7 CHOOSE THE EFFECTIVE ( ACTIVE ) DATE FOR BOTH PRODUCTS, IF APPLICABLE (STM AND INTELLAPLAN) COMPLETE THE CUSTOMER INFORMATION. IF ENROLLING MULTIPLE MEMBERS IN THE STM OR INTELLAPLAN, ENSURE ALL DEPENDENTS ARE ADDED TO THE APPLICATION THAT ARE APPLYING IN EITHER PLAN. PLEASE NOTE: ANY DEPENDENTS LISTED ON THE STM QUOTE WILL CARRY OVER TO THIS ENROLLMENT PAGE; TO EDIT, CLICK ON THE PAPER ICON WITH THE PENCIL. Version

8 ASK THE APPLICANTS ALL STM APPLICATION QUESTIONS VERBATIM. RECORD THEIR ANSWERS AS YES OR NO; IF ANY AN ANSWER APPLIES TO ANY ONE APPLICANT, YOU MUST ANSWER THE QUESTION AS SUCH. i.e. IF ANY ONE APPLICANT IS PREGNANT, YOU WOULD ANSWER YES EVEN THOUGH NOT ALL APPLICANTS ARE PREGNANT. Version

9 CHOOSE THE APPLICANT S PREFERRED PAYMENT METHOD FROM THE AVAILABLE OPTIONS. INFORM THE APPLICANT THAT THEIR FIRST PAYMENT IS DUE TODAY, AT THE TIME OF THE APPLICATION, AND ALL SUBSEQUENT PAYMENTS WILL BE DRAFTED AUTOMATICALLY EVERY MONTH, 5 DAYS PRIOR TO EACH MONTH S COVERAGE PERIOD. NOTE: THE CUSTOMER SIGNATURE INSTRUCTIONS FOLLOW ON THE NEXT SCREEN AFTER SUBMITTING THE ORDER. SCROLL ACKNOWLEDGE VERIFY THAT ALL THE INFORMATION IS CORRECT BEFORE CLICKING SUBMIT ORDER Version

10 IF ANY OF THE APPLICATION QUESTIONS FOR THE SHORT TERM MEDICAL APPLICATION CONTAIN AN ANSWER THAT MAKES THE APPLICANT INELIGIBLE FOR COVERAGE, AN ERROR MESSAGE WILL APPEAR AT THE TOP OF THE PAGE, AS SHOWN. (THE CONDITION THAT RESULTED IN THE APPLICANTS INELIGIBILITY FOR COVERAGE WILL BE REFERENCED AT THE END OF THE ERROR CODE IN PARANTHESIS) Version

11 IMPORTANT NOTE: THE APPLICATION IS NOT YET COMPLETE!!! EVEN THOUGH YOU WILL SEE THE CONFIRMATION PAGE, YOU MUST OBTAIN THE INSURED S SIGNATURE: EITHER BY VOICE SIGNATURE OR E-SIGNATURE: See the instructions on the website page. There are links to the different webpage/documents as applicable. Version

12 AFTER OBTAINING THE SIGNATURE, REVIEW THE CONFIRMATION OF ENROLLMENT SHOWN ON THE SCREEN REVIEW THE SUMMARY OF WHAT WAS ENROLLED. IF THERE ARE ANY ERRORS, PLEASE CONTACT MEMBER SERVICES: MEMBER SERVICES WILL CORRECT ANY ISSUES IN THE BACK OFFICE DIRECTLY. INFORM THE MEMBER THAT THEY HAVE INSTANT ACCESS TO THEIR MEMBERSHIP MATERIALS ON THE MEMBER WEBSITE: ALSO, IN ORDER TO ACCESS THE SITE, THEY WILL NEED TO REGISTER USING THEIR MEMBER ID NUMBER (PLEASE INFORM THEM OF THIS NUMBER) Version

13 IF ENROLLED IN THE INTELLAPLAN, THE TEMPORARY ID CARDS WILL ALSO SHOW ON THE CONFIRMATION SCREEN: Version

14 KNOCK OUT QUESTIONS A YES response to questions 1-4, or a NO response to question 5 will result in a declined application (UNLESS enrolling in the Guaranteed Issue STM product). 1. Are you or any applicant: (a) Now pregnant, an expectant father, in process of adoption, or undergoing infertility treatment? (b) Over 300 pounds if male or over 250 pounds if female? 2. Within the last five years has any applicant been diagnosed, treated, or taken medication for or experienced signs or symptoms of any of the following: cancer or tumor, stroke, heart disease including heart attack, chest pain or had heart surgery, COPD (chronic obstructive pulmonary disease) or emphysema, Crohn s disease, liver disorder, degenerative disc disease or herniation/ bulge, rheumatoid arthritis, kidney disorder, diabetes, degenerative joint disease of the knee, alcohol abuse or chemical dependency, or any neurological disorder? 3. Within the last five years has any applicant been diagnosed or treated by a physician or medical practitioner for Acquired Immune Deficiency Syndrome (AIDS) or tested positive for Human Immunodeficiency Virus (HIV)? 4. Have you been hospitalized for mental illness in the last five years or have you seen a psychiatrist more than 5 times during the last 12 months? 5. If you are not a US Citizen, do you expect to legally reside in the US for the duration of the policy? Version

15 IMPORTANT ENROLLMENT INFORMATION: IF BUYING THE INTELLAPLAN THE INTELLAPLAN WILL NOT TERMINATE AT THE END OF THE STM POLICY TERM. THEREFORE, IF THE MEMBER DOESN T WANT TO CONTINUE THEIR INTELLAPLAN AME/CI PLAN, THEY WILL NEED TO NOTIFY MEMBER SERVICES OF THEIR INTENT TO CANCEL. ALL OTHER CHARGES ASSOCIATED WITH THE STM WILL BE TERMED WITH THE STM COVERAGE (I.E. THE NETWORK FEE, ADMIN FEE AND THE STM PRODUCT FEE WILL TERMINATE AT THE END OF THE STM COVERAGE TERM.) CURRENT INTELLAPLAN POLICYHOLDERS IF A MEMBER ALREADY HAS AN ACTIVE INTELLAPLAN, AND THEY ARE REQUESTING AN APPLICATION FOR THE STM PRODUCT, THE STM ASSOCIATION PACKAGE MUST BE DELETED FROM THE SHOPPING CART AT THE TIME OF ENROLLMENT. THERE IS ONLY ONE PRODUCT WITH THE ASSOCIATION BENEFITS ALLOWED TO BE ENROLLED IN AT ONE TIME. EFFECTIVE ACTIVE DATE THE ACTIVE DATE WILL BE SET AS A DEFAULT TO THE NEXT DAY FOLLOWING ENROLLMENT. IF, HOWEVER, THE APPLICANT WISHES TO CHOOSE A DATE OTHER THAN THIS, YOU MUST CHOOSE THE DATE FROM THE DROP DOWN WHEN FILLING IN THE CUSTOMER S INFORMATION. IF THE APPLICANT IS APPLYING FOR THE INTELLAPLAN, THEIR EFFECTIVE DATE WILL ALSO NEED TO BE CHOSEN FROM ITS OWN DROP DOWN MENU. THE INTELLAPLAN IS ONLY AVAILABLE FOR A 1ST OR 15TH OF THE MONTH START DATE, WITH A CHOICE OF THE 3 NEXT AVAILABLE DATES FROM THE DROP DOWN MENU AT THE TIME OF ENROLLMENT. BILLING DATE THE RECURRING BILLING DATE WILL BE DETERMINED BY THE ACTIVE DATE. THE MEMBER S BILLING DATE WILL BE DRAFTED ON THE SAME DAY EACH MONTH, 5 DAYS PRIOR TO EACH MONTHLY COVERAGE PERIOD. I.E. IF A MEMBER HAS A 15TH OF THE MONTH ACTIVE DATE, THEIR RECURRING BILLING DATE WILL BE SET TO OCURR ON THE 10TH OF EVERY MONTH, PRIOR TO EACH MONTHLY COVERAGE PERIOD STARTING. FREE LOOK PERIOD THERE IS A 10-DAY FREE-LOOK PERIOD THAT APPLIES TO THE STM PRODUCT. IF WITHIN 10 -DAYS FROM THE PRODUCT EFFECTIVE DATE THE MEMBER DECIDES TO CANCEL, THEY MAY CHOOSE TO GET A FULL REFUND, INCLUDING THE ENROLLMENT FEE, AND ANY POTENTIAL CLAIMS WILL BE FORFEITED IN LEIU OF THEIR REFUND. NO REFUNDS WILL BE CREDITED AFTER THE 10-DAY FREE LOOK PERIOD HAS PASSED. WE DO NOT PRORATE FEES EITHER. SEE THE CANCELLATION PROCEDURES BELOW: CANCELLATION POLICY IF A MEMBER IS REQUESTING CANCELLATION AFTER THE 10-DAY FREE LOOK PERIOD HAS PASSED, THEY MUST PROVIDE A MINIMUM 10-DAY CANCELLATION NOTICE, TO BE DELIVERED TO MEMBER SERVICES IN A WRITTEN FORMAT, EITHER VIA , MAIL, OR FAX DIRECTLY FROM THE MEMBER, OR FROM THE AGENT (ON BEHALF OF THE MEMBER). THEIR COVERAGE WILL BE CANCELLED EFFECTIVE AT THE END OF THEIR COVERAGE PERIOD, NO SOONER THAN 10-DAYS FOLLOWING THE DATE THE CANCELLATION NOTICE IS RECEIVED. THEREFORE, IF THEIR ACTIVE DATE WAS ON THE 1ST OF THE MONTH, WE MUST RECEIVE THEIR WRITTEN NOTICE BY THE 20TH OF THE MONTH IN ORDER TO CANCEL AT THE END OF THEIR CURRENT PAID- THROUGH DATE. MEMBER WEBSITE ALL MEMBERS WILL HAVE INSTANT ACCESS TO THEIR PLAN DOCUMENTS VIA THE MEMBER WEBSITE, THEY WILL NEED THEIR MEMBER ID TO REGISTER FOR THEIR ACCESS. THIS IS AVAILABLE TO ALL MEMBERS DIRECTLY FOLLOWING ENROLLMENT AND INCLUDES ACCESS TO THEIR TEMPORARY ID CARDS. EVERY MEMBER WILL RECEIVE THIS INFORMATION IN THEIR WELCOME . Version

16 INFORMATION REGARDING VERIFICATIONS VOICE SIGNATURE and E-SIGNATURE: E-SIGNATURE This may be done directly following your submission of the enrollment on the product website. Have the insured visit the following URL: The member will need to register and login to e-sign their application document. To do so, they will need their member ID - please supply it to them, or have them obtain it from their welcome . Once logged in, they will see a brief summary of their product, the terms and conditions for their signature, and the e- signature field at the bottom of the page. They just need to e-sign in the box using their mouse (or finger if on a mobile device), type in their name under the signature box, and hit submit. They will receive a confirmation message at the top of the screen when finished. If they don t see the e-signature page after logging in, have them click on the button that says Electronic Signature VOICE SIGNATURE If obtaining a voice signature, you must utilize the voice signature process we have set up for these enrollments (outlined below). Additionally, the voice signature must be completed the same day the product is enrolled. 3-way call with the insured on the line Dial When prompted, enter your NHIC Agent ID (The 6 digit ID that is on the end of your sales link) followed by the # sign. When prompted, enter the insured's 10-digit telephone number, followed by the # sign. When prompted, start reading one of the following scripts (based on the product(s) applied for): [GI STM + ASSOCIATION] 20Verification%20Script(1).pdf [GI STM + INTELLAPLAN] 20Guaranteed%20Issue%20and%20Intellaplan%20Verification%20Script%20v1_2%20-%202_15_2015(1).pdf When finished with the voice recording, press the # sign to stop the recording. Version