1. What does the workforce need?
Start with current benefits, employee questions, work locations, contribution priorities, and renewal timing. Separate core medical coverage from any additional supplemental layer.
2. Who is eligible, and who may enroll?
Total headcount is only a starting point. Confirm the applicable program’s eligibility and participation requirements. Record estimated eligible employees and estimated enrolled participants separately.
3. What is the net financial impact?
Review premiums, employer contributions, employee deductions, administrative fees, payroll effects, and the treatment of benefit payments. Ask for assumptions and current written terms before relying on an illustration.
4. How does it fit existing arrangements?
Include the current benefits broker and payroll provider. Confirm compatibility, responsibilities, and any changes to existing coverage or service arrangements.
5. Who does what after approval?
Agree responsibilities for employee education, electronic enrollment where applicable, payroll setup, reconciliation, claims questions, and ongoing service. Confirm dates and outstanding requirements before implementation.
Blue Skies Insurance Solutions serves companies and represents Benefits solutions independently. This guide is general information, not tax or legal advice. Benefits, eligibility, availability, costs, and results depend on current written terms and applicable requirements.