Employers: Open Enrollment Season is HereFinding health insurance just got a whole lot easier

Finding health insurance just got a whole lot easier.

health_insurance_open-enrollment-395-256Small business owners and benefit managers are encouraged to explore Aon Health PLUS – a private health insurance exchange featuring individual health plans. Aon Health PLUS helps you navigate options, while providing health plan education, selection and enrollment assistance. You and your employees can have access to a wealth of resources, including personal guidance from a live support team throughout the enrollment process.

USWCC Advantage selected Aon, a global leader in insurance and health solutions, based on their expertise and ability to help ensure an exceptional customer experience. Learn how to get started leveraging this benefit.

Why Choose Aon Health PLUS?

Choosing a health plan right for you and for your family members is an important decision.

Aon Health PLUS lets you shop privately and conveniently—either online or by phone, with the support of live, highly-trained, licensed advisors. You’ll find:

  • An easy-to-use website that takes the complexity out of shopping
  • The flexibility to view health plans ranked by your own preferences
  • Access to health plans from reputable carriers on both private and public exchanges
  • Access to other health-based plans such as short-term medical, dental and vision
  • Assistance determining eligibility for a subsidy or federal tax credit
  • Best-in-class decision support tools that help you choose wisely
  • Live assistance from highly-trained, licensed agents
  • Easy-to-use online enrollment

Why consider individual health insurance?

There are many advantages to giving your employees access to individual health insurance, including the ability for each employee to choose the plan that’s right for his or her own needs, budget, and other personal preferences. Your employees may even be able to receive financial assistance with premiums through a government-provided subsidy.

How can offering Aon Health PLUS benefit your business?

Employers benefit:

  • Gives your employees access to individual health coverage, at no cost to you
  • Streamlines the enrollment process
  • Helps you attract and retain quality employees
  • Fosters a healthier workplace
  • Boosts employee morale and productivity
You and your employees benefit:

  • Best-in-class decision support tools
  • Live assistance from higly-trained, licensed agents
  • Easy shopping by phone or online
  • Easy-to-use online enrollment
  • Access to health plans from reputable carriers on private and public exchanges
  • Access to other health-based plans such as short-term medical, dental and vision
  • Assistance determing eligibility for federal subsidies

Important Dates: Open Enrollment*

November 1, 2016: Open enrollment for 2017 health coverage begins.

December 15, 2016: Last day to enroll in a health plan that takes effect January 1, 2017

  • Note: If you enroll after December 15, 2016, your coverage effective date will begin February 1, 2017 or later.

January 31, 2017: Final day for open enrollment.

  • Note: If you enroll after January 31, 2017, coverage may only be available for certain qualifying life events.

It's Easy to Get Started!

ahp_uswcc-lockup

accessUSWCC.aonhealthplus.com | 1.844.260.7910

  • Visit accessUSWCC.aonhealthplus.com and create your company profile
  • Upload your employees’ names and contact information
    • This data is used to offer you/employees assistance in enrolling
    • Sharing this data does not confer coverage – employees must still enroll
    • You can add/edit employees at any time
    • As an alternative, you may refer employees to sign up directly at myUSWCC.aonhealthplus.com
  • Use the Employer Communication Toolbox to inform your employees about this program

Questions? Please call 1.844.260.7910, Monday through Friday, 9:00 am to 7:00 pm ET, to speak with a licensed advisor.

Frequently Asked Questions for Employers

Q. How does the individual coverage offered through Aon Health PLUS differ from traditional group health insurance?
A. Individual coverage through Aon Health PLUS offers several distinct benefits, including:

  • No monthly administrative work for the employer
  • Employers are not required to contribute to the cost of the plans
  • More plan options available to employees, allowing them to tailor their coverage to meet their needs and budget
  • Employees can select a plan based on their preferred healthcare providers
  • Employees may qualify for substantial money-saving tax credits that help cover premium costs
  • No minimum employee participation requirements

Q. What is the difference between Aon Health PLUS and the federal health insurance exchange?
A. Education, engagement and service are the key advantages of the Aon Health PLUS program. We provide service, consumer support, experience, and plan choice to assist your employees and their families in regards to individual health insurance enrollment and plan selection. Aon Health PLUS provides access to health plans from both public and private exchanges across reputable carriers nationwide. Website decision support and licensed advisors help individuals quickly determine eligibility for federal subsidies that can lower monthly premiums and apply them directly to rates for easy comparison while shopping, and find the plans that best fit their needs.

Q. Are the premiums offered through the Aon Health PLUS marketplace different from those on the federal and state health exchanges?
A. No. Premiums are federally regulated and will be the same across all exchange platforms.

Q. Does it cost me anything to have my employees use Aon Health PLUS?
A. No, there are no costs to you or your employees for using Aon Health PLUS.

Q. Are the premiums on the Aon Health PLUS marketplace discounted?
A. No. Premiums are federally regulated and vary based only on factors such as age, gender, geography, plan type and smoker/nonsmoker status.

Q. How do I get started notifying my employees about the health insurance plans available through Aon Health PLUS?
A. We can take care of communicating information on these valuable health plans and providing assistance throughout the enrollment process to your employees! Simply provide your employee census data (including their name, email address, date of birth, last 4 digits of their social security number, and any monthly contribution amount) into your company profile.

  • You may upload your employee data via spreadsheet or enter it manually
  • Sharing this data does not confer coverage—employees must still enroll
  • You can add/edit employees to these notifications at any time

Q. What happens after Aon Health PLUS has collected my employee census data?
A. We will send your employees an email communication inviting them to use the program to shop for individual health insurance. The invitation will contain a link to a website customized for your employees. The employee website will offer:

  • Easy-to-use instructions on how to shop for coverage
  • A web portal providing access to multiple plans from reputable carriers
  • Educational resources about the ACA, government subsidies and more
  • Best-in-class decision support tools to help them choose wisely

We will continue to communicate with your employees throughout the process to remind them of key dates, such as the end of the open enrollment period.

Q. Is there anything I can do to help get information out to my employees?
A. Yes. Your support of the program is essential to its success. Please visit accessUSWCC.aonhealthplus.com to access our Employer Communication Toolbox. The toolbox contains various pre-developed communications, such as posters, emails and brochures, which you can use to help encourage your employees to act during the open enrollment period.

Q. Are there any alternative methods for you to collect my employee census data?
A. We recommend you upload or manually enter your employee data since it gives you the most control over the program and allows your employees to receive automated emails from us throughout the enrollment process. However, if you prefer, you can direct your employees to sign up at myUSWCC.aonhealthplus.com.

Q. If my employees call Aon Health PLUS, will they be required to provide an employee identification number?
A. No. Employee identification numbers are not required.

Q. Can my part-time employees obtain individual health insurance coverage through Aon Health PLUS?
A. Yes, full-time, part-time and seasonal employees are eligible to access Aon Health PLUS to obtain coverage provided they (1) live in the U.S., (2) are a U.S. citizen or national, and (3) are not on Medicare or Medicaid.

Q. Can my employees obtain individual health insurance coverage for their family members?
A. Your employees, along with their families, are eligible for health insurance provided they (1) live in the U.S., (2) are a U.S. citizen or national, and (3) are not on Medicare or Medicaid.

Q. Do I have to contribute toward my employees’ health insurance premiums?
A. No. You do not need to contribute towards their health insurance premiums. Individuals typically will set up a payment method on the application during the enrollment process; however, payment methods may vary by insurance carrier.

Q. If I decide to provide a monthly contribution amount for my employees, how will monthly contributions be administered?
A. As the employer, you will be responsible for providing the contribution following your established processes. This amount can be displayed on the site for illustrative purposes to help your employees understand what their total out-of-pocket costs will be after a monthly contribution amount has been taken into consideration. You should contact your tax advisor and payroll administrator to determine how to set up and administer a monthly contribution for your employees.

Q. If I hire a new employee after the Open Enrollment Period closes, can they get individual health insurance coverage through Aon Health PLUS?
A. Possibly. We recommend such employees call 1.844.260.7910 to discuss their specific situation and options with a licensed advisor. Outside the Open Enrollment Period, one may only enroll in major medical health insurance if they experience a qualifying life event such as:

  • Marriage or divorce
  • Birth, adoption, or placement of a child in the household
  • Permanent relocation to an area offering different plan options
  • Involuntary loss of other health coverage
  • Change in income or household status that affects tax subsidy eligibility or cost-sharing reductions of a current marketplace plan

Employees can find out their range of options, including short term plans, even if they do not have a qualifying life event outside of the Open Enrollment Period.

Q. What if I still have questions about Aon Health PLUS?
A. Please call our dedicated USWCC Advantage employer concierge for assistance at 1.844.260.7910, Monday through Friday, 9:00 a.m. to 7:00 p.m. ET.

Open Enrollment*

November 1, 2016: Open enrollment for 2017 health coverage begins.

December 15, 2016: Last day to enroll in a health plan that takes effect January 1, 2017

  • Note: If you enroll after December 15, 2016, your coverage effective date will begin February 1, 2017 or later.

January 31, 2017: Final day for open enrollment.

  • Note: If you enroll after January 31, 2017, coverage may only be available for certain qualifying life events.
It's easy to get started!
  • Visit the employer portal and create your company profile
  • Upload your employees’ names and contact information
    • This data is used to offer you/employees assistance in enrolling
    • Sharing this data does not confer coverage – employees must still enroll
    • You can add/edit employees at any time
    • As an alternative, you may refer employees to sign up directly at the employee portal
  • Use the Employer Communication Toolbox to inform your employees about this program

Questions? Please call 1.844.260.7910, Monday through Friday, 9:00 am to 7:00 pm ET, to speak with a licensed advisor.

We’re proud of our partnership with Aon and know how much this service will mean to our members. Access to the Aon Health PLUS private health insurance exchange empowers business owners to provide health insurance coverage with expert assistance every step of the way – at no cost to you.

Margot Dorfman
CEO, U.S. Women's Chamber of Commerce

Employers: It's easy to get started. Call 1.844.260.7910.

*Enrolling Outside of the Open Enrollment: Consumers with a qualifying life event are eligible for a Special Enrollment Period. Examples include getting married, relocating to an area with different coverage options, losing job-based health coverage, or experiencing a change in your household size or income. Special Enrollment Periods generally last 60 days from the qualifying life event.

Affinity Insurance Services, Inc. is a licensed producer in (TX 13695), (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, 
Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency; and in NY, AIS Affinity Insurance Agency.

As part of the Aon Health PLUSSM solution, GetInsured (Vimo, Inc.) provides the software and brokerage services. GetInsured is appointed with health insurance carriers nationwide and is licensed to 
sell health insurance products in all 50 states and the District of Columbia.