How to Get A Proposal for Fixed Funding Solutions

ConnectiCare’s Fixed Funding Solutions is underwritten and rated through Choiceware, CBIA’s quoting and proposal system. Choiceware proposal requests can be made as early as 75 days in advance of a group’s effective date. 

All enrollees (employees and dependents) must go through the underwriting process prior to the group’s effective date. Disclosure documents and final approved census produced in Choiceware must be signed and included with installation paperwork. 

If you don’t currently use Choiceware, please contact your CBIA Account Manager for information and access.

 

Eligibility

The minimum eligibility for Fixed Funding Solutions is five or more enrolled employees.

 

Requesting and Generating a Proposal

Choiceware users should follow these steps to request and generate a Fixed Funding Solutions proposal. As your client’s writing agent, you are the managing source of their census and responsible for its accuracy.

1. Enter the client information in the group screen and save. Then, enter census information on the screen and save.
   
   OR
   
   On the census import screen, follow the instructions to upload the census. Import the census from the CBIA Agent Website, BenefitCentral, or Microsoft Excel and save.
   
   Note: Include the group’s best-known census early in the process to avoid last-minute changes to rates or qualification.
   
   
2. Complete all required fields, including:
• For employees:  first name, last name, date of birth, gender, and zip code
• For dependents: first name, last name, date of birth, gender, and relationship
  
  
3. Indicate any medicare enrollees and/or individuals who are waiving coverage in your census.
4. On the quote screen, select the product group “CBIA HC ConnectiCare Fixed Funding Solutions”, enter your email address, and submit to CBIA.
   

Current level-funded/self-funded groups must submit claims experience and renewal information to CBIA when requesting a proposal.

You will be notified when the underwriting process is complete for the submitted group census, and, if approved, a composite rate illustration will be provided.  

To add additional members to the group after approval, add them to Choiceware and re-submit for underwriting. If you are adding fewer than five members, you will also need to submit Individual Medical Questionnaires for each family in a secure email to your CBIA Account Manager. If you are adding 5 or more members, Individual Medical Questionnaires are not required unless requested.

Note: Additional members may influence the group’s rates or qualification for Fixed Funding Solutions. 

If the group is enrolling via the CBIA Benefits Hub, use Choiceware information to prepare the Benefits Hub for employees to enroll on-line.