FAQs
Find answers to frequently asked questions here.
Quoting and Rates
What are the minimum state requirements? Is it eligible or enrolled?
What are the minimum state requirements? Is it eligible or enrolled?
- We quote groups between 5 - 125 enrolled employees only.
- For a list of state-by-state requirements, please refer to our Underwriting Guidelines page.
Which states do you quote in?
Which states do you quote in?
We quote in all states with the exception of Oklahoma, New York, and Washington.
Can you laser a person?
Can you laser a person?
Not directly. However, we can quote a group assuming a certain person is not covered under the stop-loss policy.
Your rates are uncompetitive / you declined all my groups / your rates are too competitive?
Your rates are uncompetitive / you declined all my groups / your rates are too competitive?
Our rates have a wide range - to best understand how to work with us, we recommend to submit at least 10 groups. On average we decline 30% of cases and see that we are competitive 30-40% of the time. However, it highly depends on the type of groups we see. If 5 other carriers have declined the risk, we most likely will too.
Why was my group DTQ’d? Can you share more details on what conditions triggered this?
Why was my group DTQ’d? Can you share more details on what conditions triggered this?
My group was declined to quote due to lack of data. What does ‘Lack of Data’ mean?
My group was declined to quote due to lack of data. What does ‘Lack of Data’ mean?
There are a few steps you can take to ensure your group is quoted successfully.
Check the quoted census file for correctness. Common mistakes are:
- Make sure dependents are included
- First Name & Last Name Columns are swapped
- Genders are mixed up
- DOB Month and Day are swapped for some records
- First Name is ‘employee’ or ‘child’ which are not valid first names
If you’ve reviewed your census and all looks good, there may be other factors at play. We may not receive enough data for groups that are on Kaiser, in particular geographies, or with Sedera / a Health Share where no claims are produced.
I have claims experience - what should I do with it?
I have claims experience - what should I do with it?
Please submit it as additional documentation when submitting the quote.
Implementation
The group’s census changed. How do I update the census file?
The group’s census changed. How do I update the census file?
If the group is still quoting, you can update the census by following the steps outlined in this short video.
If the group is in implementation, please submit a new final enrollment census. Visit our implementation resource page for a guide.
How do I change a group’s effective date?
How do I change a group’s effective date?
Changing the effective date is simple while the group is in the quoting process. Watch this short video to see how.
If the group’s effective date changes during implementation, please reach out to us at quotes@joinarlo.com.
When are rates considered firm?
When are rates considered firm?
- We can only issue firm quotes 90 days prior to the group’s effective date. Prior to that timeframe, quotes are speculative only.
- Quotes are firm in relation to census
- Rates are considered final after we receive the final enrollment census and the completed medical disclosure questionnaire during the implementation process. Please note that while we do our best to avoid rerates, a group may be subject to a rerate if enrollment changes at any time throughout implementation.
How do I know when Arlo has received a group’s binder premium payment?
How do I know when Arlo has received a group’s binder premium payment?
Administration
How do I add or change plan designs, quotable programs, or fee stacks?
How do I add or change plan designs, quotable programs, or fee stacks?
Please send an email to quotes@joinarlo.com with your request and we’ll take care of it!
How do I give a new person access to the quoting portal?
How do I give a new person access to the quoting portal?
We’re working on a feature update that will enable you to do this independently. In the meantime, please reach out to support@joinarlo.com and we’ll send an invite to the new user.