Continuing coverage?

COBRA Information
What you need to know about COBRA.

Life Insurance
Can you continue your employer sponsored life insurance? If so, how? Email office@zfibenefits.com with your name, and the name of your group, and we’ll help you figure it out!

Flyers

Doctor on Demand- Available for those on any Wellmark Health Insurance Plan

Teledoc- Available for those on any National General Health Insurance Plan.

Don't be afraid to ask- ...more about your health care!

Wellmark's ACA Preventive Services List

myWellmark Care Finder- Shop and compare doctors and facilities with the Wellmark care finder.

FAQs 

ID Shield

• ID Shield Activation Steps

• How to add dependent children for monitoring

• Online registration instructions

• Continue your ID Shield benefit after leaving an employer sponsored plan.

Online Benefits
What is an online benefits platform and why do you need one?

MISC
About ZFI, our services, and more.

Employer Compliance

Annual Medicare Notices

• Groups: Annual Disclosure to Medicare-Eligible Employees Deadline is October 15!

• What is Creditable Coverage

• Entities Required to Provide Disclosure

• Model Creditable Coverage - Disclosure Notice

• Model Non Creditable - Coverage Disclosure Notice

• Creditable instruction sheet from CMS

Group Compliance Documentation

• ERISA/POP Document with BASE

• ERISA Wrap Fact Sheet

• Section 125 Plan Fact Sheet

Change Forms

Change forms are required for a name change, address change, or change in coverage.

• Wellmark ACA- Small Group (1-50) Employee Change Form

• Wellmark Non-ACA Groups- Employee Change Form

Individual Health Insurance

Use the link below to check out your options for individual health insurance:

Education Email Links

Diversification Quiz Provided by Principal

Budgeting Tool Provided by Principal

“Know your Score” Provided by Principal

Qualifying Life Events

Special Enrollment Periods (SEP)
If an employee did not elect coverage at time of hire, or at the annual open enrollment period but now has a life changing event and needs coverage they may be able to come onto the plan. Late Enrollees are no longer allowed. Applications for SEPs MUST be received within 60 days of the qualifying event.

Common SEPs are listed below:

• Birth of a baby

• Marriage

• Divorce

• Adoption of child

INVOLUNTARY loss of other coverage (spouse loses job or benefits are cancelled, employee has turned 26 and has lost coverage under parents plan, etc. Termination due to lack of premium payment does not qualify as an involuntary loss of coverage).

Click here for a full list of qualifying life events.