Enrollment & Eligibility Management

Enrollment & Eligibility Management refers to CBG’s process of administering and overseeing the enrollment of employees in various benefit programs offered by an employer. This process involves several key steps:

Communication

CBG helps employers communicate benefit options, enrollment periods, and plan details to employees through various channels such as emails, meetings, presentations, and online portals. Clear and effective communication is essential to ensure that employees understand their options and can make informed decisions during the enrollment process.

Enrollment Period

CBG helps employers establish a specific period during which employees can elect or make changes to their benefit selections. This enrollment period may occur annually, during new hire orientation, or in response to qualifying life events such as marriage, birth/adoption of a child, or loss of coverage.

Plan Design

CBG helps employers design benefit plans based on the needs of their workforce and available budget. This includes selecting and structuring various benefit options such as health insurance, dental insurance, vision insurance, retirement plans, flexible spending accounts (FSAs), health savings accounts (HSAs), and other voluntary benefits.

Enrollment Tools

CBG provides enrollment tools and resources to facilitate the selection and submission of benefit elections. This may include online enrollment portals, paper enrollment forms, interactive decision support tools, and access to benefits counselors or HR representatives for assistance.

Data Management

CBG collects and manages enrollment data to ensure accuracy and completeness. This includes verifying employee eligibility, capturing benefit elections, tracking coverage levels, and maintaining records for reporting and compliance purposes.

Carrier Integration

CBG helps employers coordinate with benefit carriers and vendors to transmit enrollment data, process changes, and administer premiums. Integration with carrier systems helps streamline data exchange, billing, and reconciliation processes.

Compliance

CBG helps Employers to comply with various regulatory requirements related to benefit enrollment, such as offering eligible employees access to certain benefits under federal and state laws (e.g., Affordable Care Act), providing required disclosures, and adhering to privacy and data security regulations.

Effective Benefit Enrollment Management helps employers efficiently administer their benefit programs, ensure employee satisfaction, and maintain compliance with relevant regulations. It requires careful planning, communication, and coordination across HR, benefits administration, payroll, and IT departments.