How It Works

In order to receive a firm medical quote from carriers, brokers must typically ask their customers to have each employee complete a paper application for each medical carrier. The applications are then collected, sent to the carriers and keyed into enrollment systems. If anything is missing, the carrier must contact the broker or employees, directly, before a quote can be generated.

FormFire digitizes the entire process. Below are the steps involved:

Setting up a New Group

The broker adds a group through his or her portal. Welcome letters for the employer as well as employees are then generated automatically which contains specific instructions for creating accounts.

Creating Employee Accounts

Each employee will use these instructions to complete their online interview. On average this takes about 25 minutes, though this can be more or less depending on the number of dependents and medical conditions that need to be entered.

Once complete, the employee's data is checked for completeness any potential problems and they are given an opportunity to sign their application.

Monitoring the Group

Throughout the entire process, the employer and broker as well as any service representatives working with the account can monitor the enrollment. All can see who has completed their account, who is updating or who hasn't started. However, only the broker and authorized service representatives can see medical information.

Submitting the Group

Once each employee has completed their medical enrollment, the broker is now free to send the data to as many carriers as desired. This is as simple as selecting the group and carriers. FormFire will ensure the proper data is sent in the desired manner.

Renewals

Renewals are even easier. At renewal time, a welcome letter is sent to each employee containing specific instructions for resetting their password and updating their account. Each employee performs the update, and the data can then be sent to the carriers. Individual updates generally take less than 10 minutes, meaning that obtaining quotes at renewal time often can be accomplished in a matter of days, not weeks.