How to create a Proposal for an Employer in Quote+

A Proposal allows you to generate documentation for quoting community-rated and underwritten products. Ultimately, you will be able to download the Proposal and present it to the Employer.

IN THIS ARTICLE

How to create a Proposal

You can create a Proposal from the Proposal Listing or from an existing Employer.

Note: An Employer can have multiple active Proposals, but only one can have the Medical Health Questionnaire (MHQ) enabled.

Proposal Listing

Existing Employer - Pre-populates the Proposal with information from the Employer.

Proposal process

There are six steps in the Proposal process. You must complete each step before you can move forward to the next one.

• Employer Basics
• Employee Demographic
• Proposal Configuration
• Employee Coverage Lines
• Products
• Generate Proposal

1) Employer Basics

Every Proposal must be associated with an Employer. In Step 1: Employer Basics, you’ll either review and update an existing Employer’s information or create a new one.

If the Employer plans to offer different products to different groups of Employees, you can also define and add Employee Classes in this step. These classes will be assigned to both Employees and products in later steps.

Employer Basics field data:

• Basic Information (required)
• Contact Details (required)
• Current Coverage (optional)
• Employee Classes (optional)
• Broker Setup (required)
• Notes (optional)

Note: If you created the Proposal from the Proposal Listing, this step will generate a new Employer. If you started from an existing Employer, this information will be pre-filled. See this article for more on adding Employers.

After reviewing and updating the required fields, save and continue to the Step 2: Employee Demographic.

2) Employee Demographic

In Step 2: Employee Demographic, you’ll view a list of all Employees and their Dependents. If you have an Employee list, you can add Employees and Dependents now or later through the Employer Hub.

Note: While not required, each Employee must have an email address to receive direct email communications for account setup and MHQ task reminders in the Employee Portal.

Use the horizontal scroll bar to view additional fields, including Employee Classes. If the Employer is using classes, you can assign one to each Employee.

By default, the list shows Employees only. To view and edit Dependents, toggle the 'Family' switch.

You can also designate HR Managers in this step. HR Managers can access additional resources and monitor enrollment progress on behalf of the Employer.

If you don’t add Employees now, you can skip to Step 3: Configure Proposal. For medically unwritten plans, you’ll need to send the MHQ welcome email to the Employer’s primary contact or HR representative, who will forward it to the other Employees. Employees will then log into the Employee Portal, create their account, and complete the MHQ survey.

When finished, select 'Save & Continue' to move to Step 3: Proposal Configuration.

3) Proposal Configuration

In Step 3: Proposal Configuration, you’ll name the Proposal, set the Effective Date and Renewal Date, and configure the Coverage Lines. If you're quoting underwritten products for the Employer, you’ll also enable Medical Health Questionnaire (MHQ) settings.

Before proceeding, ask yourself:

• Am I quoting underwritten products?
  • No - Simply enter the Proposal Name, Workflow Dates, and Coverage Lines, then save and continue to the Employee Coverage Lines step.
  • Yes - Configure additional settings in the Employee Health Questionnaire section.

Note: An Employer can only have one active Proposal with MHQ enabled at a time.

Workflow Dates

• Effective Date: The date when benefits and coverage begin. When creating an Enrollment and setting the Effective Date, you can select a Proposal's Effective Date to sync all of the Proposal's products to the Enrollment (one time only).
• Renewal Date: Used in some Carrier Forms and the Upcoming Renewals report.

Coverage Lines

Coverage lines represent the insurance benefits available in the Proposal. Select options based on the Employer’s needs. These choices will carry over to Step 4: Employee Coverage Lines.

Medical Health Questionnaire (MHQ)

The MHQ is a set of questions in the Employee Portal that collects Employee medical health information for Carrier underwriting. If you’re quoting underwritten products, check the “Require MHQ for Employees” box to display additional MHQ settings.

Medical Health Questionnaire Open and Closed Dates

Prescreen dates define the window during which Employees can access the MHQ in the Employee Portal. Setting open and close dates ensures that:

• Employees complete the MHQ on time
• Submitted information remains locked while you’re quoting

When choosing dates, allow enough time between Prescreen, Plan Selection, and Qualifying Life Event (QLE) periods.

• Medical Health Questionnaire Open Date: The first date Employees can access and begin the MHQ survey.
• Medical Health Questionnaire Close Date: The final date Employees can submit or make changes to their MHQ responses.

Allow enough time between the Prescreen, Plan Selection, and QLE (Qualifying Life Event) workflows to avoid delays during enrollment.

Note:  If you’re completing Enrollment in Quote+, you’ll need to configure the Plan Selection Open and Close Dates later in the setup process. Learn more about configuring Plan Selection.

Prescreen Workflow Options

These Workflow Options determine what appears and is required in the MHQ section of the Employee Portal.

• Require Employee Medical History: This option will activate the collection of medical conditions within MHQ.
  • Normally used for both Prescreen and Plan Selection if quoting or enrolling in underwritten products. Consider using for QLE as well to expedite the following year's enrollment process.
  • Needed if the ‘Medical’ Coverage Line Option is enabled.
• Require Employee Medical History When Waiving: This option will require Employees to fill out the medical information within the MHQ, even if they or their dependents are waiving coverage.
  • Using this option for Prescreen, Plan Selection, and QLE could help expedite the following year’s enrollment process.
  • Needed if the ‘Medical’ Coverage Line Option is enabled.
  • Must have the ‘Require Employee Medical History’ Workflow Option enabled to use this Workflow Option.
• Require Employee Total Household Income: This option will require Employees to enter their total household income. Total household income is used to determine eligibility and the premium for ACA plans.
  • Only used in special cases for Prescreen. Not normally used unless you want to provide this information to Employees.
• Require Employee Life with Beneficiaries: This option will automatically enroll Employees in Life coverage and require them to enter a designated beneficiary.
  • Normally used for Plan Selection if the Employer is offering 100% Employer-paid life insurance coverage.
    Needed if the ‘Life’ Coverage Line Option is enabled.
• Require Employee STD: This option will automatically enroll Employees in Short Term Disability (STD) coverage and require them to enter a designated beneficiary.
  • Normally used for Plan Selection if the Employer is offering 100% Employer-paid STD coverage.
    Needed if the ‘Short-Term Disability’ Coverage Line Option is enabled.
• Require Employee LTD: This option will automatically enroll Employees in Long Term Disability (LTD) coverage and require them to enter a designated beneficiary.
  • Normally used for Plan Selection if the Employer is offering 100% Employer-paid LTD coverage.
    Needed if the ‘Long-Term Disability’ Coverage Line Option is enabled.

If you're completing Enrollment in Quote+, you'll also need to configure Workflow Options for Plan Selection after closing the Proposal. Learn more about configuring Plan Selection Workflow Options.

Employer Information and Employer Contact Information

These sections pre-fill with data from Step 1: Employer Basics. Review and confirm their accuracy before proceeding.

Employer Communication

Employees need an account to access the Employee Portal and complete the MHQ. To create an account, they must use an Employer Code, which is automatically generated and included in Employer Communications.

• The HR section lists Employees designated as HR Managers. These individuals receive communications with role-specific information.
• The Employees section lists all other Employees. Select the HR Managers and Employees who should receive communications.

If no Employees were added during Step 2: Employee Demographic, you can manually enter the name and email of the Employer’s primary contact or HR representative in the Additional Individuals section. That person will be responsible for forwarding the communication to the rest of the company.

To preview a letter with the Employer’s information, enter your name and email in the same section and select the letter type.

When finished configuring the Proposal, select ‘Save & Continue’ to proceed to Step 4: Employee Coverage Lines.

Note: When you select 'Save & Continue', the system will automatically send Employer Communications to the selected HR Managers and Employees.

4) Employee Coverage Lines

In Step 4: Employee Coverage Lines, you'll select the anticipated coverage lines for Employees and their Dependents. The selections you make here determine which pricing options appear in Step 5: Products.

Note: You must add at least one Employee before proceeding to Step 5: Products.

If a coverage line is missing or you need to add more, return to Step 3: Proposal Configuration to make changes.

After selecting coverage lines, select ‘Save & Continue’. Before proceeding to Step 5: Products, you'll be prompted to add current products for comparison.

Choose one of the following:

• “No Thanks” - Go directly to Step 5: Products, where you can begin adding and comparing medical, vision, and dental products.
• “Yes” - Enter the Employer’s current products for side-by-side comparison with renewal options. See this article for more details.

5) Products

Based on the information provided in the previous steps, Step 5: Products displays a list of available Carrier products for the Employer.

Note: Some Carriers, including UnitedHealthcare (UHC), require a National Producer Number (NPN) to quote medically underwritten plans. To ensure you receive all available quotes, enter your NPN under Profile & Settings in the Profile Details section.

In this step, you can:

• Filter available products
• Add and view favorite products
• Compare up to 4 products at a time
• Select and add products to the Proposal
• Add current products for comparison

See this article for more on navigating and comparing products.

After selecting products for the Proposal, select 'Save & Continue' to proceed to Step 6: Generate Proposal.

6) Generate Proposal

In Step 6: Generate Proposal, you can add employer contributions and download the Proposal to share with the Employer. The Proposal presents product and pricing options for insuring Employees based on the selected coverage lines.

In this step, you can:

• Remove plans from the Proposal
• Add employer contributions to the Proposal. See this article for more details
• Download the completed Proposal. See this article for more details
• Export all data into a preloaded census template for the Carrier. See this article for more details

Note: You can customize the Proposal layout using Proposal Templates. See this article for more information