Quoting Checklist
All states. What's required by group size and situation.
FOR APPOINTED GROUP BROKERS
Everything you need to quote, enroll, and manage your groups.
From appointment paperwork to renewal timelines, this page holds the administrative resources group brokers use most: quoting checklists, enrollment templates, and the plan management guide. Bookmark it. It's the fastest path to a clean submission.
Getting Appointed
Only licensed and appointed producers can sell EMI Health plans and receive commission. The online application covers everything — your Producer Agreement, HIPAA Business Associate Agreement, and licensee information are all completed within the form. One submission, and you're in process.
Have these ready to upload: your agency's Errors and Omissions certificate, a signed W-9, and a copy of your license for each state you plan to sell in.
Once appointed, you'll receive EMI Central login credentials by email. For setup and everything portal-related, see EMI Central Help for Group Brokers.
Quoting & Submitting a Case
A clean, complete submission gets you pricing faster. Start with the checklist — it covers what's required by group size and situation.
Download
Producer Guide
All states. Process reference for the sales cycle.
Individual Health Questionnaire
Group Risk Evaluation Form
Email all quote materials to quotes@emihealth.com and CC your Account Executive/Sales Manager.
FOR BROKERS
Enrolling a New Group
Congratulations on the sale. Everything you and your group need is below. Open the topic you're working on.
Your group's initial enrollment method (Employee Navigator/834 feed, spreadsheet, or paper) determines how ongoing updates are submitted. Not sure which fits? Your Account Manager can help. For portal-based submission steps, visit EMI Central Help for Group Brokers.
MEC PLANS
Propose MEC today, not next week
No underwriting. No claims history. No census. MEC rates are published, so you can put a proposal in front of a group today. When they're ready, a group application is the whole submission.
Now selling in all eight MEC states: Arizona, Georgia, Idaho, Michigan, Ohio, Pennsylvania, Texas, and Utah.
Group size. 10 enrolled minimum. Drops to 5 enrolled when the group offers major medical. 10 to 40 eligible: up to 2 MEC products. 41 or more: up to 3.
Funding. Employer-paid, contributory, and voluntary setups all work. Rates are the same either way.
Workforce. W-2 employees only, working 20 or more hours a week (the employer can set a higher requirement). The employer decides on domestic partners, legal guardianship, and the waiting period, up to 90 days. No retirees. A current Workers Compensation plan is required.
Location. Out-of-state employees may not exceed 50% of eligible employees, with no more than 25% in states where EMI Health does not offer MEC.
Rates. Rates include a 3% rate cap on the first renewal.
Pairing with major medical. MEC sits alongside any carrier's major medical. Pairing with EMI Health major medical drops the minimum to 5 enrolled and counts toward participation. Moving an employee from MEC to major medical at open enrollment requires health questionnaires, and results can affect rates. Set that expectation up front.
Funding. Employer-paid, contributory, and voluntary setups all work. Rates are the same either way.
Workforce. W-2 employees only, working 20 or more hours a week (the employer can set a higher requirement). The employer decides on domestic partners, legal guardianship, and the waiting period, up to 90 days. No retirees. A current Workers Compensation plan is required.
Location. Out-of-state employees may not exceed 50% of eligible employees, with no more than 25% in states where EMI Health does not offer MEC.
Rates. Rates include a 3% rate cap on the first renewal.
Pairing with major medical. MEC sits alongside any carrier's major medical. Pairing with EMI Health major medical drops the minimum to 5 enrolled and counts toward participation. Moving an employee from MEC to major medical at open enrollment requires health questionnaires, and results can affect rates. Set that expectation up front.
Offering MEC to 95% of full-time employees avoids the $3,340 per-employee Penalty A. It does not avoid the $5,010 Penalty B when a full-time employee declines and receives a premium tax credit, because MEC does not meet minimum value. Use this to set expectations before the sale, not after.
MEC SIX-PACK
One rate. Six benefits. A census instead of claims history.
The Six-Pack bundles MEC Enhanced medical, dental, and vision from EMI Health with hospital indemnity, accident, and critical illness from Mutual of Omaha. $234 per employee per month, 100% employer-paid at the employee tier, guaranteed two years, and all six benefits guaranteed issue. Available in Arizona, Georgia, Idaho, Texas, and Utah for groups of 10 or more enrolled. See the full product page →
Not contracted, or no pool? You can still place the business. Six-Pack cases can go into an agency pool or an industry pool. Groups over 100 lives can stand alone.
Broker of record. Six-Pack business in an agency pool cannot be BOR'd. Business in an industry pool can.
Existing MEC groups. Current EMI Health MEC groups can move to the Six-Pack at renewal. Contact your account manager to start.
Participation credit. Six-Pack enrollment can count toward the participation requirement on an EMI Health major medical plan. Underwriting needs to know at the time the major medical is underwritten, so say so in the quote request.
Broker of record. Six-Pack business in an agency pool cannot be BOR'd. Business in an industry pool can.
Existing MEC groups. Current EMI Health MEC groups can move to the Six-Pack at renewal. Contact your account manager to start.
Participation credit. Six-Pack enrollment can count toward the participation requirement on an EMI Health major medical plan. Underwriting needs to know at the time the major medical is underwritten, so say so in the quote request.
Two short applications at setup, one for each carrier. That is the only time your group deals with two carriers. After that, EMI Health handles enrollment, changes, and billing for all six benefits, and Mutual of Omaha pays its own claims. Online versions of both applications are coming. Until then, your EMI Health representative sends the forms with your proposal.
Before you sell
You need both appointments. Your EMI Health appointment covers the medical, dental, and vision. To solicit the hospital indemnity, accident, and critical illness benefits, you must also be appointed with Mutual of Omaha in the group's situs state, at mutualofomaha.com/producers. Start that appointment before you quote, not after you sell. Have a group in mind? Tell your EMI Health representative the headcount and state, or start at quotes@emihealth.com.
FOR YOUR GROUP ADMINISTRATORS
Send your groups one link
The Group Plan Management Guide is now a single web page covering all eight states: eligibility, enrollment windows, COBRA and state continuation, billing, compliance, and the forms groups request most. It answers the questions your administrators would otherwise call you with, and it's always current.
The one window that matters
Annual Renewals
Renewal is the only window each year for plan changes — and the difference between a smooth renewal and a scramble is starting early. Work backward from these dates.
75–90
DAYS BEFORE RENEWAL
Renewal packet arrives
Your EMI Health representative delivers current plan details, rate changes, and new options.
30
DAYS BEFORE RENEWAL
Changes submitted in writing
All plan change requests must be in writing and submitted. Final selections confirmed with your EMI Health team.
On time
WHY IT MATTERS
ID cards arrive before the effective date
Meeting the 30-day window gives us time to print and mail ID cards so employees have them when coverage starts.
Renewal dates vary by group. Your EMI Health representative will confirm the specific 75–90 day and 30-day windows for your group. Reach out early — we're here to help you compare options and make changes before the deadline.
Access our Member Materials Library for printable resources, plan documents, ID card instructions, and more.
On our Insurance 101 site, new members will find easy-to-understand guides on coverage, costs, and how to get the most from their EMI Health benefits.
EMERALD CLUB
Recognizing our top 10 brokers
Each year, EMI Health honors the 10 brokers who place the most business with us.
Common broker questions
Who can sell EMI Health plans?
Only licensed and appointed producers can sell EMI Health plans and receive commission.
How do I get appointed with EMI Health?
Through a single online application.
You'll upload your agency's Errors and Omissions certificate, a signed W-9, and a license copy for each state you plan to sell in as part of the application.
Your Producer Agreement, HIPAA Business Associate Agreement, and licensee information are all completed inside the form, so it's one submission. The Producer Agreement and HIPAA BAA are available as downloads for reference, but everything is signed within the application itself.
What happens after I'm appointed?
You'll receive EMI Central login credentials by email. Setup and portal questions are covered in EMI Central Help for Group Brokers.
See all questions Show fewer questions
Where do I send quote materials?
Email everything to quotes@emihealth.com and CC your Account Executive or Sales Manager. Start with the Quoting Checklist, which covers what's required by group size and situation.
When is an Individual Health Questionnaire required?
For groups with 15 or fewer enrolled. When IHQs are provided, the Group Risk Evaluation Form is waived.
What do I need to quote a MEC plan?
No underwriting, no claims history, and no census. MEC rates are published.
What is the MEC Six-Pack?
MEC Enhanced medical, dental, and vision from EMI Health bundled with hospital indemnity, accident, and critical illness from Mutual of Omaha. $234 per employee per month, 100% employer-paid at the employee tier, guaranteed for two years, all six benefits guaranteed issue. Available in Arizona, Georgia, Idaho, Texas, and Utah for groups of 10 or more enrolled.
How do ongoing enrollment changes get submitted?
By whichever method the group used at initial enrollment — Employee Navigator or 834 feed, portal, spreadsheet, or paper. Your Account Manager can confirm which applies.