Bank

Benefit Eligible: 232

Products: Cancer & Accident

Enrollment Conditions: The logistics would not allow for one-on-one meetings

Enrollment Process: Group meetings and employees self enrolling

Participation: 88%

Car Dealer

Benefit Eligible: 165
Products: Cancer & Accident
Enrollment Conditions: The logistics would not allow for one-on-one meetings. The broker wanted to test the waters with a smaller case to ensure AutoApp success. Larger cases are now in the works.
Enrollment Process: Group meetings were conducted at four sites over a three day span. No power point or brochures were used. The rep & broker briefly outlined the plan & gave employees the opportunity to self-enroll.
Participation: 51%

Credit Union

Industry: Credit Union

Products: CI

Enrollment Conditions: Employer refused to allow anything but group meetings

Enrollment Style: Carrier rep giving benefit meetings and distributing AutoApp packets with instructions to enroll online or return AutoApp

Participation: 30% cumulative participation

Breakdown : 24% of the employees left the meeting and made their election online. Of those 24%, 10% elected and 15% declined, 20% participated by completing the paper AutoApp.

Doctors Office

Benefit Eligible: 152

Products: CI & Accident

Enrollment Conditions: The logistics would not allow for one-on-one

Enrollment Process: Group meetings and employees self enrolling

Active Response Rate: 78%

Participation: 29%

Financial Services

Benefit Eligible: 1,200
Products: Life Insurance & Cancer
Enrollment Conditions: Employer had a bad experience with a previous carrier and traditional one-on-one enrollments. They would not allow one-on-one meetings with employees and wanted the product offering incorporated into their third party online enrollment system during open enrollment
Enrollment Process: Online education with employee follow up
Participation: 36%

Financial Services

Products: CI & Accident

Benefit Eligible: 2,600

Enrollment Conditions:The logistics would not allow for one-on-one meetings

Enrollment Process: AutoApp packets sent to each location with HR distributing and employees self enrolling. Complete applications were returned via inter-office mail.

Participation: 20%

Health Care Products

Benefit Eligible: 335

Products: Cancer & Accident

Enrollment Conditions: The logistics would not allow for one-on-one meetings

Enrollment Process: Group meetings & employees self-enrolling. The group was an existing account with just a few policies on the books. The broker was frustrated with supplemental insurance and only offered to groups that requested it. They disliked previous enrollment processes, admin, & carrier reps. After this, the broker is now working on larger cases & views AutoApp as the only way to enroll voluntary.

Participation: 40%

Healthcare

Benefit Eligible: 5000
Products: Critical Illness & Accident
Enrollment Conditions: The employer would not allow one-on-ones and wanted the product offering incorporated into their in-house online enrollment system during open enrollment
Enrollment Process: Online education with employee follow up
Participation: 54%

Healthcare Transcriptionist

Benefit Eligible: 400
Products: Accident & Cancer
Enrollment Conditions: Employer had a bad experience with a previous carrier and traditional one-on-one enrollments. They would not allow one-on-one meetings with employees.
Enrollment Process: Current benefit broker team giving group meeting and employees self enrolling
Participation: 53%

Hospice

Benefit Eligible: 1,200
Products: Accident & Cancer
Enrollment Conditions: The logistics would not allow for any type of individual interaction with employees.
Enrollment Process: Group benefit broker team conducting group meetings and employees self enrolling
Participation: 47%

Hospital

Benefit Eligible: 656

Products: CI, Cancer & Life

Enrollment Conditions: One-on-one meetings not possible due to concern over patient care disruption

Enrollment Process: Benefit presenters conducting meetings within each department, distributing and collecting AutoApp packets

Participation: 97% participation

Hospital Company

Benefit Eligible: 9,000
Products: Life Insurance
Enrollment Conditions: Product offering incorporated into their third party online enrollment system during open enrollment
Enrollmentm Process: Online education with employee follow up
Participation: 30%

Manufacturing

Benefit Eligible: 620
Products: Accident & Cancer
Industry: Manufacturing
Enrollment Conditions: The employer would not allow one-on-ones
Enrollment Process: VBA presenter giving group meetings with employee follow up
Participation: 65%

Manufacturing

Benefit Eligible: 1,500
Products: Cancer & Accident
Enrollment Conditions: The logistics would not allow for any type of individual interaction with employees.
Enrollment Process: VBA giving group meetings and employees self enrolling
Participation: 85%

Manufacturing

Eligible: 8,600

Products: Cancer & Accident

Enrollment Conditions: No onsite enrollment allowed with multiple locations throughout the US. 3rd party dental form included in the AutoApp packet per broker’s request.

Enrollment Process: AutoApp boxes were mailed to 85 locations with instructions for HR representatives to distribute & collect (active response required). Group meetings conducted in larger locations. Completed AutoApp applications were returned via interoffice mail. Applications were converted to an electronic file via AutoApp software & submitted for automated issue (no pending).

Participation: 44%

Manufacturing

Benefit Eligible: 1,950

Products: CI, Cancer

Enrollment Conditions: Employer was not pleased with the disruption of the traditional onsite enrollment. Takeover using AutoApp

Enrollment process: Group brokers giving benefit meetings and distributing AutoApp packets with instructions to return

Participation: 82%

Manufacturing

Benefit Eligible: 131

Products: Cancer & Accident

Enrollment Conditions: The employer was dissatisfied with the traditional enrollment approach because of worksite disruption.

Enrollment Process: Replacement of existing carrier with group meetings and employees self enrolling

Participation: 63%

Manufacturing

Benefit Eligible: 101

Products: CI & Accident

Enrollment Conditions: The logistics would not allow for one-on-one meetings & another insurance carrier declined this case because of limited working conditions.

Enrollment Process: The employer had to cut their employee base & couldn’t afford to pull employees off the line for time consuming one-on-ones. The rep & broker offered six mandatory group meetings with employees self-enrolling.

Participation: 60%

Manufacturing

Benefit Eligible: 473

Products: CI & Accident

Enrollment Conditions: Client preferred to control the enrollment process. Group meetings were conducted by human resources.

Enrollment Process: Group meetings and employees self enrolling

Participation: 44%

Manufacturing

Benefit Eligible: 592

Products: CI & Accident

Enrollment Conditions: HR was dissatisfied with the traditional enrollment approach because of worksite disruption. HR would not allow an outside party to conduct group meetings. HR presented the plans and collected the applications.

Enrollment Process: Replacement of existing carrier with group meetings and employees self enrolling

Participation: 36%

Manufacturing

Products: CI & Accident

Enrollment Conditions: The employer would not grant one-on-one access

Enrollment Process: Group meetings and employees self enrolling

Active Response Rate: 91%

Participation: 38%

Manufacturing

Benefit Eligible: 2900

Products: Life Insurance

Enrollment Conditions: The employer would not grant one-on-one access

Enrollment Process: Group meetings

Active Response Rate: 90%

Participation: 20%

Manufacturing/Service (Spanish)

Benefit Eligible: 477

Products: CI & Accident

Enrollment Conditions: Multiple locations with a heavy Spanish speaking workforce

Enrollment Process: Bi-lingual presenters conducting group meeting and employees self enrolling.

Participation: 26%

Municipality

Benefit Eligible: 1,500

Products: CI, Cancer, Accident & Life

Enrollment Conditions: The RFP expressed concern over an on-site mandatory enrollment. The Benefit Committee selected AutoApp because of the group meetings with employees self enrolling.

Enrollment Process: VBA enrollment team conducting group meeting and employees self enrolling.

Participation: After a two year rollout participation is at 38%

Municipality

Benefit Eligible: 5,200

Products: CI, Cancer & Accident

Enrollment Conditions: HR was frustrated with the traditional mandatory on-site enrollment and was looking for an alternative. Current participation after several years in the on-site enrollment was 15%. The Benefit Committee selected AutoApp because of the group meetings with employees self enrolling

Enrollment Process: Group broker’s team conducting group meeting and employees self enrolling.

Participation: 25%

Municipality

Benefit Eligible: 2800

Products: CI, Accident & STD

Enrollment Conditions: The employer was dissatisfied with the onsite enrollment process

Enrollment Process: Optional group meeting with optional response. Less than 50% of employees made an active response

Participation: 11%

Native American Reservation

Benefit Eligible: 232

Products: CI, Cancer & Accident

Enrollment Conditions: The logistics would not allow for one-on-one

Enrollment Process: Group meetings and employees self enrolling

Active Response Rate: 80%

Participation: 75%

Office Equipment Engineering

Benefit Eligible: 500

Products: Cancer & Accident

Enrollment Conditions: The employees were spread throughout the country. Last year a webcast/call center was conducted barely meeting plan participation requirements. Master contracts were being canceled as of 1/1

Enrollment Process: VBA sent an enrollment packet to each home with a cover letter, enrollment forms and postage paid envelope so forms could be returned to the broker.

Results: 60%

PEO

Benefit Eligible: 1800

Products: CI, Cancer & Accident

Enrollment Conditions: 150 individual employer locations.Individual products were being offered with 55 policies in force due to the limited access at each employer.

Enrollment Process : Broker conducted group meetings at each locations.

Participation: After a two week enrollment 550+ new applications for 31% participation

Pharmaceutical

Benefit Eligible: 300
Products: Crtitcal Illness
Enrollment Conditions: Employees could only interact with a VBA representative at the benefits fair.
Enrollment Process: Employees attended benefits fair and self enrolled
Participation: 20%

Private School

Benefit Eligible: 191

Products: CI & Accident

Enrollment Conditions: The logistics would not allow for one-on-one meetings

Enrollment Process: Group meetings and employees self enrolling

Participation: 20%

Restaurant

Benefit Eligible: 179

Products: Life Insurance

Enrollment Conditions: The logistics would not allow for one-on-one meetings

Enrollment Process: Group meetings and interested employees meeting with a benefit rep

Participation: 50%

Retirement and Assisted Living

Benefit Eligible: 2,600

Products: CI & Accident

Enrollment Conditions: Fourth quarter online/call center enrollment with another enrollment vendor resulted in 4% participation. Carrier and broker needed an effective enrollment tool to boost participation.
Enrollment Process: First quarter AutoApp enrollment with AutoApp packets sent to 57 locations. HR distributed apps and collected responses after employees self-enrolled.

Participation: 560 additional applications with 24% increase in participation

Surgery Centers

Benefit Eligible: 1,400

Products: CI, Cancer & Accident

Enrollment Conditions: 90 locations, one-on-one access not available

Enrollment Process: Group brokers conducting meetings at 60 locations and including AutoApp with instructions to return. Remaining 30 locations received AutoApp applications in bulk and distributed by manager to employees. All applications self enrolled by employee.

Participation: 48%

YMCA

Benefit Eligible: 420

Products: CI & Accident

Enrollment Conditions: The logistics would not allow for one-on-one

Enrollment Process: Group meetings and employees self enrolling

Active Response Rate: 55%

Participation: 21%