Q. Does an employer-imposed waiting period affect a break in coverage?
A. BEST Life does not count Employer-imposed waiting periods towards a break in coverage.
Q. How do I change the employer-imposed waiting period on a group’s policy?
A. To report a change on the waiting period for new employees, send a letter to BEST Life specifying the new waiting period. The new waiting period will be effective on the first of the month following receipt of your letter and will only apply to employees hired full-time after the effective date of the new waiting period. Requests to change the waiting period may be made once a year.
Q. What is the maximum waiting period a group can impose?
A. Six calendar months is the maximum waiting period an employer can impose on new hires.
Q. What documentation is necessary for enrolling a new group?
A. Documentation requirements vary by state, group size, and product. Documentation may include:
- Completed BEST Life Employer/Group Enrollment Application signed by employer and broker
- Completed BEST Life Employee Enrollment Form for all eligible full-time employees
- Quarterly Wage Report and/or Proof of Ownership based on group size and product requirements
- Evidence of prior coverage (i.e. most recent invoice), if applicable
- First month’s premium
- A copy of your BEST Life proposal
Your broker or BEST Life Sales Representative will advise you of all the documentation you will need to enroll your group.
Q. How does a new employer or insurance carrier know that an employee had prior group coverage?
A. The employee will be asked to provide proof of group coverage along with a completed BEST Life Employee Enrollment Form. Acceptable proofs of coverage include a photocopy of the ID card and certificate of coverage.
Q. What are the enrollment deadlines for a new group?
A. BEST Life offers the 1st or 15th of the month as the effective date for a new group. After the group is enrolled, new hires will become effective on the 1st of the month following the date of eligibility.
Q. How do I submit enrollment forms to the BEST Life?
A. Enrollment forms can be sent to our New Enrollments Department via mail, fax, email or online:
New Enrollments Department
BEST Life and Health Insurance Company
2505 McCabe Way
Irvine, CA 92614
Fax: 949.724.1603.
E-mail: cs@bestlife.com
Online application at www.bestlife.com, “Forms”
If you have any questions about how the open enrollment process works, please call our Customer Service Department at 800.433.0088 (Monday through Friday, 7am to 5pm PST) or via email at cs@bestlife.com.
Q. Has BEST Life received the enrollment application I submitted?
A. BEST Life processes enrollment applications within 48 hours of receipt. Once an enrollment form is processed, the enrollee is then listed on your roster, which can be viewed online when you log in to your BEST Life account. If you do not have an account, you can request one by contacting Customer Service at 800.433.0088 or via email at cs@bestlife.com.
Q. Does BEST Life send out detailed benefits information to employees?
A. Once a group enrolls, BEST Life sends a welcome packet to the employer along with the Certificate Booklet and ID cards issued to your employees. The Certificate Booklet provides all the information your employees need to use their plan.
Please note that Outlook Vision Discount ID cards are sent to the employer for distribution after you have received your BEST Life ID cards.
Q. What if I have more questions?
A. If you have any more administrative questions, you can either download a copy of our Administrative Guide, or contact our Customer Service Department for assistance at 800.433.0088 (Monday through Friday, 7am to 5pm PST) or via email at cs@bestlife.com. |
