Quoting Checklist
All states. What's required by group size and situation.
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.