Everything you need to sell EMI Health, in one place.

Whether you're selling dental, vision, or individual health insurance plans, EMI Health gives licensed brokers the tools to quote, enroll, and support clients with confidence.

Access state-specific sales materials, fee schedules, and plan details — all in one broker portal built for individual and family plan sales.

Browse State Toolkits New? Get Appointed

STATE TOOLKITS

Resources for the states you sell in.

Every state has its own producer guide, forms, and toolkit. Pick your state below. More states coming soon.

General Information & Resources

The materials your peers use most. Updated quarterly.

Getting Started

Onboarding & System Access
Once appointed, you'll receive a welcome email with your EMI Central login credentials and setup instructions. If you were previously appointed and didn't receive portal access, email individualsales@emihealth.com. For the full walkthrough — logging in, enrolling clients, and tracking your book — see EMI Central help for individual & family brokers.

If you have been previously appointed, and did not receive portal access, please email: individualsales@emihealth.com to request access.

 

Effective Date vs. Billing Date

When you enroll an Arizona client, you'll choose their effective date — when coverage begins. Their billing date — when their card is first charged — works separately. Here's how both work.

Choosing the effective date

At enrollment, you'll select from two options in the dropdown:

  • The first of the upcoming month — fastest start, best for clients who need coverage right away
  • The first of the month after that — useful when a client is switching from another carrier and wants no overlap or gap

Coverage always begins on the first of a month, never mid-month.

How billing is set up

You'll enter your client's credit card during enrollment. The card is verified at enrollment but not charged until close to the effective date. From there, the card is set up for auto-pay each month.

When the first charge happens

It depends on when you complete the enrollment, not which effective date you chose:

  • Enrolled between the 1st and 25th of the month — Card is charged on or around the 25th of the same month.
  • Enrolled between the 26th and the end of the month — Card is charged on the first Monday of the following month.

What your client receives

  • A confirmation email at enrollment (you're cc'd)
  • A payment receipt from billing@emihealth.com once their first payment processes
  • How to set up billing portal access to manage payments — a separate login from their "My EMI Health" account, which is for benefit details

Quick reference

Enrollment date First card charge
Between the 1st and 25th Around the 25th of the same month
Between the 26th and end of month First Monday of the following month

 

Have a question about a specific enrollment?

Email individualbrokers@emihealth.com or call (800) 380-8863 (M–F, 6am–6pm MT).

Waiving Waiting Periods

To be considered, a waiver request must be submitted within 90 days of enrollment. Each case is reviewed individually.


Applicable waiting periods may be waived based on what the prior coverage allows. 

 

To request a waiting period waiver for your client, please submit a Certificate of Prior Coverage with the following manditory information:

 

  1. Coverage start and end dates
  2. Names of individuals covered (must match the enrollment timeline)
  3. Plan name and carrier — the certificate must be:
    • On the carrier’s letterhead, or
    • In an official email from the prior carrier

Email documentation to:
📧 individualbrokers@emihealth.com

Forms & Administration
Sales Materials (general)
EMI Health Individual & Family Plans – broker overview flyer thumbnail
View or Download

FLYER

Individual & Family Plans Overview

COMMISSIONS

How you earn on every policy.

EMI Health pays a 10% commission on every individual dental, vision, and telemedicine policy you write. Payments are monthly, tied to premiums collected.

10%
Of monthly premium

On every individual dental, vision, and telemedicine policy you write.

~45 days
To first payment

From the member's enrollment date to your first commission.

Monthly
Ongoing cadence

Payments issue every month based on premiums collected.

Applies to eligible individual policies written through EMI Health or a state exchange. Commission arrangements may vary based on your agency setup — contact individualbrokers@emihealth.com with questions.

2027 Leader's Club · Individual Sales

Earn your way to Tahiti.

Earn Feb 1, 2026 → Jan 1, 2027 · 8 days, 7 nights · Yacht through the islands, for two

Every policy you write inside the earning window puts points on the board. Hit 350 and you're on the boat.

350 points qualifies Per broker
Medigap policy sold 2 pts
Dental policy sold 1 pt
Vision policy sold ½ pt

NEW TO EMI HEALTH?

You'll need to be appointed before you can write business — it's quick.

Get appointed
MEMBER RESOURCES

Looking for materials to help your client's understand their benefits?

EMI Health member materials library – printable plan documents and resources
 Materials Library

Access our Member Materials Library for printable resources, plan documents, ID card instructions, and more.

Visit Site
Insurance 101 guide thumbnail – EMI Health member education site
 Insurance 101

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. 

Visit Site

Here's the Latest...

 

Important Updates

Network Naming

What Changed

EMI Health dental network names now include a dash and letter to support nationwide provider access across all states.

 

EMI Health dental ID card showing updated network name format

 

Advantage → Advantage-A, Advantage-C, Advantage-D
Premier → Premier-A, Premier-C, Premier-D

Each letter represents the out-of-state wrap network. The logo indicates the network.

 

How to Guide Your Clients

Screenshot of EMI Health dental provider search tool

When helping members search providers:

Focus on the main network name
Advantage-D → treat as Advantage
Premier-D → treat as Premier

When using Provider Search:

Select the full network name (e.g., Advantage-D)
The system will return the correct providers based on location

During the transition, you may still see “Advantage” or “Premier” in the drop-down—either selection will return the same provider list.

No changes to plan benefits or provider networks in your state—the letter simply reflects out-of-state access and a standardized network structure.

 

Where You Can Sell EMI Health

EMI Health plan availability map showing states where brokers can sell individual health insurance plans: Arizona, Idaho, Nevada, Utah, Wyoming, Missouri, Michigan, Ohio, Pennsylvania, Tennessee, North Carolina, Alabama, Georgia, Texas, and Florida

Plan Availability by State

EMI Health supports brokers in multiple states, with availability based on product type.

  • Dental, Vision, Telehealth: Available in select states
  • Medigap: Available in Utah only

We’re actively expanding our Dental and Vision footprint and building broker partnerships beyond Utah.

Availability varies by state and product.

View or Download Map
NEED HELP?

Broker Support for Individual & Family Plans

Enrollment Support

Questions about applications or enrollments?


Email: individualbrokers@emihealth.com

Billing Support

Help with premiums or billing questions.

Call: (800) 380-8863
Monday–Friday, 9:00 a.m.–5:00 p.m. (MST)

Sales & General Questions

Need help with resources or selling EMI Health plans?

Email: individualsales@emihealth.com

EMI Central Broker Login

Access your broker tools, resources, and enrollments (formerly known as the broker portal).


Broker Login

STATE TOOLKITS

Resources for the states you sell in.

Every state has its own producer guide, forms, and toolkit. Pick your state below. More states coming soon.

TESTIMONIALS

What our brokers say

 

“Working with EMI is like having a concierge—problems get solved quickly without wasting time chasing answers.”

Courtney Jensen
Compass Insurance Advisors

Compass Insurance Advisors logo

 

“Great people. Great company. Great pricing. Couldn’t ask for more.”


Jason Ferguson
Ferguson Insurance

Ferguson Insurance logo

 

 

“EMI’s team is incredibly responsive and proactive. They treat brokers like true partners and step in quickly to resolve issues so we can take care of our clients.”


Susan Booth
Ark Insurance Solutions

Ark Insurance Solutions logo

 

 

“EMI is incredibly easy to work with—from quoting to enrollment, everything just flows.”


Colin Logue
Utah Avenue Insurance

UAI logo

 

 

“It has been phenomenal. This level of customer service is far above the industry standard.”


Brad Hartley
Linkedin

linkedin

 

 

“EMI’s support team is always responsive and ready to help—that reliability makes a huge difference.”


Chris Miller
Miller & Associates

Miller & Associates Insurance logo

 

Benefit coverage questions

(800) 662-5851

6:00am – 6:00pm MT, Monday to Friday

cs@emihealth.com

Group/Broker administration questions

Contact your account manager.

Members: ID cards, claims, and provider search are at emihealth.com.

BROKERS – Group Plans

EMPLOYERS & GROUPS

CONTACT

Brokers – Individual Plans

Group Products

© 2026 EMI Health. All rights reserved. Privacy Policy

Disclaimer: This site is intended for brokers, employers, group administrators, and providers working with EMI Health and does not constitute a full representation of EMI Health's plans or services. Benefits and coverage details are subject to the terms of the applicable plan documents and may vary. This information is not a guarantee of benefits or coverage. For complete plan details, refer to the official plan documents or contact EMI Health.