Your Employees’ Coverage
ID cards, networks and claims continue as they were. Employees use the carrier, not the broker, for care and claims.
Employees usually notice nothing.
Employees use the carrier, not the broker, for care and claims. Their ID cards, networks, copays and claims processing do not change when the broker of record does.
What they may notice is better support: a team that can explain the plan in plain language and resolve issues when they come up.
What Employees Experience.
Employees use the carrier for care and claims, so their experience of the plan does not change with the broker. ID cards, networks and member service numbers stay the same.
What may change is the support they get for plan questions and enrollment. A new broker with a good service model can make this easier.
A short message from HR explaining who to contact is usually enough.
A few more questions.
Do employees need new ID cards?
No. ID cards come from the carrier, and a broker change does not affect them.
Should we announce the change to employees?
A short note introducing the new support contacts is usually enough. Your new broker can draft it.
Do dependents need to do anything?
No. Dependents stay covered.
Will providers be affected?
No. Networks come from the carrier.
Where do employees get answers?
The carrier for claims and ID cards, and your broker’s team for plan questions.
Related guides.
How to Switch Benefits Brokers in Michigan
Signs it is time, the six steps, and timing.
Your Renewal Date
The effective date of your coverage does not move because the broker of record does.
Start Early
A review that begins several months ahead leaves time to market the plan, compare proposals and make an unhurried decision.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program: cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →