KBenefits Insurance Services
Changing Plans & Carriers

Changing Health Plans and Carriers

For Employers and Individuals:

Prepare you and your employees for a seamless transition to the new insurance plan.  These steps will help establish timelines, deadlines and set expectations when simply changing plans or moving to another carrier.   A seemless transition with no surprises is the goal.

Simply, Changing Your Health Plan:

  • Notify your Employees of the new health plan and the effective date.
  • Provide your employees the new health plan information.  (plan name, benefits, and network)

 

  • Continue to use your current ID cards until the new ones arrives.
  • ID cards can be downloaded online via the carrier website.  (Member portals)

 

  • Carriers take 1-5 business days to Approve a plan change request.
  • Expect 7-12 business days once the plan change request if approved.

 

  • Plan change request should be sent in 3-4 weeks prior to renewal.
  • Plan change requests sent in a week before renewal can experience delays or surprises, like non-renewal.
     
  • Billing is last to be updated.  Pay as billed and the carrier will reconcile next month, or once the changes are updated in the carrier system, contact Billing to see if they can manually adjust your invoice with the updated changes.

Moving To Another Carrier:

  • Notify your Employees of the new carrier health plan and the effective date.
  • Provide your employees the new carrier and health plan information.  (carrier & plan name, benefits, & network)

 

  • Employees should fill prescriptions for the upcoming next month.
  • Employees should inform their doctors of the insurance carrier and plan change.
  • Employees that have procedures already pre-authorized will have to get pre-authored by the new carrier.

 

  • Carriers take 3-10 business days to Approve a new enrollment.
  • Expect 7-12 business days once the carrier approves your enrollment.

 

  • Carrier Changes or New Enrollments should be sent in 3-4 weeks prior to the requested effective date.
  • Carrier Changes or New Enrollments requests sent in a week before renewal will experience delays or surprises

 

Contact us for questions, plan options and free enrollment assistance.

Christopher S. Kudryk
chris@kbenefits.com
732-333-1976Contact Us


KBenefits Insurance Services
Health - Life - Medicare

Christopher S. Kudryk
Insurance Specialist
chris@kbenefits.com
732-333-1976

KBenefits Insurance Services provides insurance solutions for small business owners and individuals in New Jersey, New York, Pennsylvannia & Florida..

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