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Step 1
Set up an electronic spreadsheet or checklist with categories for each of the following: number of employees, demographic data, high risk employees and names of employees.
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Step 2
Determine the number of employees who will be eligible for coverage. Record this number, and all the data that you collect, on your checklist.
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Step 3
Find out demographic data about the eligible employees including marital status and number of dependents.
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Step 4
Determine the number of "high risk" employees at your company that might have pre-existing conditions or health problems.
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Step 5
Obtain data on other coverage employees might already have.
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Step 6
Survey employees about desired health insurance coverage levels.
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Step 7
Pick an employee representative to attend meetings with the insurance agent.
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Step 1
Pick an insurance agent. Find an agent familiar with your type of business.
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Step 2
Ask about rate guarantees.
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Step 3
Get comparison rates and quote data on similar group demographics.
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Step 4
Get information on the different types of health insurance: PPO, HSA, major medical.
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Step 5
Determine how the insurance company offers billing, claims and services.
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Step 6
Find out what happens when an employee becomes high risk. Ask about rate increases or caps. Record all of these items on your checklist.
Comments
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