Every year, staff members have the choice to change their medical coverage throughout "open enrollment." Open enrollment for small employers normally is the month prior to renewal date of the policy and lasts about one or 2 weeks. During this time staff members get strategy products, have a possibility to ask concerns about plan options and enroll in a plan.

Protection begins at a specified date after open enrollment and usually runs for a full year. Some business hold open enrollment in the fall, and protection is efficient from January 1 through December 31. If you want the best service from your representative or broker and the insurer, however, you may wish to avoid the rush by preparing your open registration duration off-peak.

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