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?
Can you laser a person?
Can you laser a person?
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?
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?
- 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
I have claims experience - what should I do with it?
I have claims experience - what should I do with it?
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?
How do I change a group’s effective date?
How do I change a group’s effective date?
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?
How do I give a new person access to the quoting portal?
How do I give a new person access to the quoting portal?