1. Are there rules for using a Forum?
(Administrators/Q&A Forum)

Yes, our forum is monitored and has rules and regulations. Our forums do not allow "flaming", or being rude to other forum users. We prefer to stay on topic but do provide a "water co

2. How do I Use a Forum?
(Administrators/Q&A Forum)

You are required to create an online identity [ID or nickname] to be used on the forum. Our forum is free and it is divided into two parts, one visible to everyone and the other available to existin

3. What is a Forum?
(Administrators/Q&A Forum)

Our forum is a public meeting place for open discussion of various topics such as wellness programs, affordable health, insurance quotes, insurance plans, procedures, alternative solutions and much, m

4. What is Conversion Option?
(Employees/Policy Conversion)

Conversion Option is an option to purchase individual coverage at a negotiated rate by a person who is leaving an employee group. It is also referred to as Conversion Coverage.

5. Where do I get the conversion option information from?
(Employees/Policy Conversion)

You can get the information on conversion from your service representative or by calling Member services at the number located on the back of your id card.

6. Who pays for conversion coverage?
(Employees/Policy Conversion)

The covered person pays for the conversion coverage.

7. Why do I have to pay for the total cost of conversion coverage when my employer was paying?
(Employees/Policy Conversion)

You are responsible for the entire premium for the conversion coverage because it is individual coverage to bridge the gap of time in which you are waiting for your new group coverage to begin.

8. What if my coverage with my employer ended a couple months ago but they were just notified about it
(Employees/Policy Conversion)

You can still accept conversion coverage, it is important that you complete the information right away.

9. Do I have to pay for all of the months that I did not know about before now?
(Employees/Policy Conversion)

Yes you are responsible for paying for all of the months from the termination date to the current time. Most carriers do not require you to pay of the entire amount right away, they allow you to pa

10. How do I cancel my conversion coverage?
(Employees/Policy Conversion)

If you are an employee of a corporate client with more than 5 employees: You can cancel your conversion coverage by notifying our office in writing that you wish to terminate coverage or by conta