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Choosing a healthcare plan, step-by-step

Before you start

Your invitation. Your employer sends an email inviting you to set up your account. Follow it first, then log in at login.ben-360.com.
Your details. Have your first and last name, date of birth, and the last four digits of your Social Security number ready.
Your deadline. Your dashboard shows when open enrollment closes and how many days are left. If you miss it, you generally need a qualifying life event to enroll.
Your family’s details. If you are covering a spouse or children, you’ll need their legal names, birth dates, and Social Security numbers.

Start from your dashboard

Your dashboard greets you with Let’s pick your first plan. Below it, a table shows what your employer puts in each month, based on who you cover: just you, you and a spouse, you and children, or your family. Your employer’s amounts will differ from any examples you see in training materials.

Select Get started. If you do not want coverage this year, choose I don’t want coverage instead.

Step 2: Agree to e-Delivery consent

Before you begin, you’ll be asked to agree to receive documents, notices, and statements electronically instead of on paper. To receive them, you need a working email address and a device with internet access, a web browser or PDF reader, and the ability to view, download, or store files.

Step 3: Check your information

The Does this still look right? screen shows details your employer provided: your name, gender, birth date, and a masked Social Security number. You can’t edit these. If anything is wrong, ask your employer to correct it. A mismatch with your ID is the most common reason a carrier rejects an application, so don’t skip this check.

Then confirm the rest:

Carrier questions. Whether you’ve used tobacco in the past six months, and whether you are a US citizen.
Where you live. Your home address, city, state, zip code, and county. Carriers generally don’t accept a PO Box, so use a physical street address. Leave the mailing address box ticked if it matches your home address.
How to reach you. Personal email, home phone, and an optional mobile phone.

Select Save and continue.

Step 4: Add the people who need coverage

On Who needs coverage? you appear first and are always covered.

To add a spouse or child, select Add a spouse or child and enter:

Relationship to you
Legal first and last name
Gender and birth date
Social Security number
Whether they share your home address, and whether they use tobacco or are a US citizen or lawfully present
Email and phone (optional)

Two things to know:

Names and dates must match each person’s ID, because the carrier checks them.
A dependent’s Social Security number is encrypted and never shown to your employer.

At the bottom, Your selection shows who is covered and how much your employer contributes toward your premium. Uncheck someone to skip their coverage and keep their details for next time. Delete a record only if the person should be removed from your household.

Step 5: Add your doctors (optional)

If you want to keep seeing certain doctors, add them here. BEN360 then flags the plans that cover them.

Select Add a doctor or clinic.
Enter the provider’s name, choose a search radius, and add your zip code. Select Search.
When your provider appears in the results, select Add.
Added providers appear in your list. Select the x to remove one.
Select See my plans when you are ready.

Verify providers before submitting
Provider information in this tool is for general reference and may not reflect current network participation. Before you enroll, confirm with the provider or one of our licensed agents that they are in-network for the specific plan you choose.

Step 6: Choose a plan

The plan list shows every plan you are eligible for, based on your location and household. The prices shown are what is left after your employer’s contribution, so a plan fully covered by your allowance shows $0.00 a month.

Narrow the list. Use the filters on the left: metal tier, network type, carrier, HSA eligibility, maximum premium, and maximum deductible.

Sort the list. Choose lowest cost to you, lowest deductible, or lowest out-of-pocket maximum.

Read each card. Each plan card shows the deductible, out-of-pocket maximum, doctor and specialist visit costs, and generic drug costs, plus what you pay each month.

How to compare plans

Compare plans. Tick Compare on plans you like. A bar at the bottom of the screen lists your picks. Select Compare Plans to see them side by side, with in-network and out-of-network costs for each. Select Clear to start over.

Look closer. Select What is covered on any card for the full cost and benefit details, including doctor visits, prescriptions, labs, hospital care, mental health, and pregnancy.

When you are ready, select Choose this plan.

Step 7: Take one last look and submit

The One last look before we send it in screen summarizes your choice:

Your plan, with a Change plan link
Who is covered, with an Edit link
How the money works: the full premium, the contribution applied, and what you pay each month, along with the amount per paycheck

You won’t lose your place if you change anything here. Answer the question about whether you plan to contribute to a Health Savings Account (HSA) this plan year, and tick the consent box if you agree to your employer seeing the name of your individual plan. That consent does not let them make changes or see your personal information.

By submitting, you confirm the details are accurate, authorize your employer to deduct your share from your pay, and let Benafica send your details to the carrier to set up your policy. If you decide you don’t want coverage, use I do not want coverage this year.

After you submit

Your confirmation screen shows that you’re enrolled and when your coverage begins. Then:

A licensed health insurance agent is assigned to your enrollment and may contact you if more information is needed.
Your insurance card should arrive 1 to 2 weeks after your plan start date.
You can track everything in your BEN360 Employee Portal.

Need help?

Select Talk to an agent at the top of any screen, or use Book time with an agent when you’re comparing plans. A licensed agent can explain terms, compare plans, and check your prescriptions against a plan at no cost. You can also reach BEN360 support at support@ben-360.com or (651) 358-2987.

Contact Support

Can't Find What You Need?

Real people are ready to help, by phone, email, or a scheduled call.

Talk to an agent

Schedule time with a licensed counselor from your BEN360 dashboard.

Email support

support@ben-360.com

Call us

651-358-2987 · Mon–Fri, 9 AM–5 PM CT