Step-by-step guide on how to enroll in a health plan

 

The BEN360 benefit platform will guide you through the necessary steps to select your health insurance.

If you’ve just been invited to get health insurance, first activate your account by following the instructions found here: Registering your BEN360 account.

If you are enrolling in Medicare, please visit our Medicare instructions here: Attesting to Medicare Coverage.

Begin your 2024 benefits selection

If your open enrollment is active, once you have registered your BEN360 account you should see a Get Started page:

Select the “Let’s Go” button to get started.

The next page will show your ICHRA amount. This is the monthly amount your employer is contributing to your health care premium costs. Select “Get Started” or you can opt out of benefits on this page.

Agree to the e-Delivery consent. This allows Benafica to send all required documents, notices, and communications to you electronically instead of by mail.

Review and confirm your personal details. Your basic information—such as name, date of birth, and Social Security number—was provided by your employer. If any of this is incorrect, please contact your employer directly to have it updated. You’ll also be asked to answer whether you’ve used tobacco in the last 6 months, and whether you’re a US citizen. Enter your home address (and mailing address, if different from home address), your email and phone number(s). Click “Next.”

If you plan to include family members in your coverage, you’ll add them in this section. You’ll need the following information for each dependent: 

• Full name
• Relationship to you
• Gender
• Date of birth
• Social Security number
• Home address (if different from yours)
• Whether they’ve used tobacco in the last 6 months
• U.S. citizenship status

Based on the information you input about yourself and your dependents, you’ll get a confirmation screen. Click “Shop for a Plan.”

When shopping for your health plan in BEN360, you’ll have the option to enter your preferred doctors, clinics, and hospitals. This ensures the plans you see are compatible with your existing provider network, helping you keep the care teams you trust. 

Easily find your doctors by typing their name into the search bar in BEN360. When you see your provider appear in the results, simply click the “Add” button to include them in your list.

When it’s time to choose your coverage, BEN360 automatically displays the health plans you’re eligible for based on your location and ICHRA setup. You can use the filters on the left side of the screen to narrow your options: sort by metal tier, plan network type, insurance carrier, and even set minimum and maximum premiums or deductibles.

Once you’ve selected your health plan, you’ll see a confirmation screen outlining key details, including the monthly premium, your employer’s contribution, and the amount (if any) that will be deducted from your paycheck. Review this carefully to ensure everything looks correct.

Finalize your plan selection and you’ll get a confirmation screen. Congrats! Watch out for next steps:

• Note your coverage start date
• Watch out for your health insurance cards in the mail
• Watch out for any communications from Benafica, who will reach out if any additional information is needed