FAQs

Q. I am a sole proprietor; can I get group health insurance?
A. YES. With the appropriate documentation, Sole Props and One Subscriber Groups may qualify for group health insurance. Limitations do apply and documentation requirements vary by carrier. Please see the Sole Prop/OSG New Business Document Requirements to find out if your business qualifies for group coverage rates.

Q. Do you sell individual health insurance?
A. YES. This type of health insurance is medically underwritten, meaning, you will need to truthfully answer health questions about any pre-existing conditions and general health history about yourself and any family members you wish to cover. Limitations do apply and documentation requirements vary by carrier.

Q. Do you sell individual dental insurance?
A. NO. Dental insurance is available only to qualified groups at this time.

Q. Do you sell individual vision insurance?
A. NO. Vision insurance is available only to qualified groups at this time.

Q. Do you sell prescription insurance?
A. NO. This benefit is available only when purchased as part of group health coverage at this time.

Q. What is the process for Renewal and Implementation?
A. Request for Proposal: 90 days prior to client renewal, a request is sent to carriers for rates and alternative plan designs.

Rate Evaluation:

All rates and alternative plan designs are collected and a side-by-side comparison is prepared for evaluation.

Client Presentation:

The comparison is presented to the client and recommendations are discussed.

Plan Implementation:

A timeframe is developed with the client for implementation of the selected benefits. Applicable group contracts are executed and submitted for approval.

Open Enrollment:

Meetings are scheduled and held. Detailed enrollment materials are distributed, benefit levels and application submission procedures are reviewed. A minimum of 10 days is recommended in order for employees to review, complete and submit all applicable paperwork.

Application Collection:

All applications are collected by our staff on a predetermined date and are reviewed by GNB staff and processed for enrollment.

Follow-Up:

Upon approval from the carrier, the client is given confirmation of the benefit effective date and arrangements are made for delivery and distribution of administrative and employee coverage documents.