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

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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.

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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 have an Employer. In Step 1: Employer Basics, you will either review and update an existing Employer’s information or create a new one.

Employer Basics field data:

• Basic Information (required)
• Contact Details (required)
• Current Coverage (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 will see a list of all Employees and their Dependents. If you have an Employee list, you can add the Employer’s Employees and Dependents now or later through the Employer Hub.

Note: Each Employee must have an email address to receive communications for account setup and task reminders in the Employee Portal for the Medical Health Questionnaire (MHQ).

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

You can also designate HR Managers in this step. HR Managers have access to 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 accounts, and complete the MHQ survey.

When you’re done adding Employees, save and continue to Step 3: Proposal Configuration.

3) Proposal Configuration

In Step 3: Proposal Configuration, you will name the Proposal and configure the coverage lines and Medical Health Questionnaire settings (if quoting underwritten products) for the Employee Portal.

Before proceeding, ask yourself:

• Am I quoting underwritten products?
  • No - Simply enter the Proposal Name, set the Workflow Dates, select the 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 Medical Health Questionnaire (MHQ) at a time.

Workflow Dates

• Effective Date: The date when benefits and coverage begin.
• 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:

• Employees complete the MHQ on time
• Submitted information can’t be changed 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: Employees can begin filling out the MHQ survey.
• Medical Health Questionnaire Close Date: Employees can no longer make changes to the MHQ survey

When selecting dates, allow enough time between the Prescreen, Plan Selection, and QLE (Qualifying Life Events) Workflows.

Note: If you’re doing Enrollment in Quote+, you’ll need to configure the Plan Selection Open and Close Dates later in the setup process. See this article for more on configuring Workflows.

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 doing Enrollment in Quote+, you'll also need to configure Enrollment Workflow Options in the Enrollment Hub after closing the Proposal. Learn more about configuring Enrollment Workflow Options.

Employer Information and Employer Contact Information

These sections pre-fill with data from Step 1: Employer Basics. Take a moment to review and confirm accuracy before proceeding.

Employer Communication

Employees need an account to log in to the Employee Portal and complete the Medical Health Questionnaire (MHQ). To create an account, they must use an Employer Code, which is automatically generated and included in the Employer Communications.

• The HR section lists Employees with the HR Manager role. These Employees receive communications with role-specific information.
• The Employees section lists all other Employees. Be sure to select the HR Managers and Employees who should receive communications.

If no Employees were added during Step 2: Employee Demographic, you can 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 and Continue’ to proceed to Step 4: Employee Coverage Lines.

Note: When you save and continue, the system will automatically send out the Employer Communications to the selected HR Managers and Employees.

4) Employee Coverage Lines

In Step 4: Employee Coverage Lines, you will select the anticipated coverage lines for each Employee and their Dependents. The pricing shown in Step 5: Products will be based on the coverage lines chosen in this step.

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, go back to Step 3: Proposal Configuration to make changes.

Once you’ve selected the coverage lines, save and continue. Before proceeding to Step 5: Products, a message will appear asking if you want to add current products to your Proposal.

You can choose:

• “No Thanks” - This will take you directly to the Products step, where you can start adding and comparing medical, vision, and dental products.
• “Yes” - You will be directed to a screen where you can enter the Employer’s current products for comparison against their renewal products. See this article for more details.

5) Products

Based on the information provided in the previous steps, Step 5: Products will generate 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 receive all possible quotes, enter your NPN in Quote+. You can add it 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 products.

After selecting products for the Proposal, save and continue 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. This document presents product and pricing options for insuring their 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.