Enrolling in ICHRA as a new hire or newly eligible employee is easy with our straightforward process.

• Your employer will submit your information to us, we will ass you to the GoWell ICHRA platform, and you will receive and Employee Welcome Packet via email from Mi-Benefits.
• You will need to login to the platform to create your GoWell ICHRA account using the unique Employer Code assigned to your company that will be listed in your Employee Welcome Packet. 
• As an active employee, you can then login to the ICHRA platform (GoWell) right here on the Employee HUB and shop for health plans.  You can also select and enroll in benefits on the platform OR you can schedule a call with our expert enrollment team and they will walk you through the process. 
• If you choose to self-select your plan on the platform, we encourage you to schedule a short call with one of our enrollment experts to confirm you are choosing the plan that is best for you and that all of your information is correct. Once you submit your election, it cannot be changed.
• Keep in mind that this is an individual health care plan.  You are the policy owner, and as such, you are responsible for that policy.
• You may need to set up autopay to authorize your carrier to pull your premium payments from your company’s account.  This is an important step, and failure to do so may result in cancellation of your policy. Be sure you take responsibility for the payment of your policy by authorizing the carrier to autopay your premium via your company’s account.
• Before the end of your first month of coverage, you may want to contact the carrier directly to ensure your autopay is set up correctly.

The Employee ICHRA Benefit Intro Packet is available to view/download above in the “Want to Learn More” Section.  If you need your EMPLOYER CODE, please send us an Assistance Request Form (ARF) and we will provide that for you.

You will receive reminder notifications before your scheduled call. Our enrollment experts will make two attempts to complete the call. If you were not able to take either call, you must RE-SCHEDULE right here on the Employee HUB. Please look for an incoming call from area code (801) or (385).  Click HERE to reschedule your call.

Once you enroll in your ICHRA plan, an HRA account will be established for you. Based on which insurance carrier you are enrolled with, you will be automatically assigned an ACH account (or virtual checking account) or a virtual debit card. This will be your payment method – NEVER a personal bank account or personal debit card. 

You will set up automatic payment (autopay) using this account information with your insurance carrier.

If you receive a bill, it’s important to understand that individual insurance policies come with their own unique processes and procedures from each carrier. Some systems automatically generate billing when a member is enrolled.  If you receive a bill from a carrier for your NEW individual insurance plan, you should not pay it. Your company’s ICHRA arrangement ensures that payroll deductions and contributions cover the premium costs.  If you receive a bill from a carrier for PREVIOUS plan, you must take action to cancel that plan.  If you need assistance, please contact us by submitting an ARF.

It may take a while to receive an ID card.  Please recognize that these are individual policies, and each carrier follows its own specific procedures.  Carriers will distribute Member ID Cards via email and/or USPS mail. With many carriers, you can go to the carrier’s online portal to request a temporary card, or download the carrier’s mobile app, which will give you a digital ID card for use beginning on the effective date.  

If you cannot find the answer to your question in any of the FAQ’s,  articles, info sheet or videos above, please complete an ‘Assistance Request Form’ by clicking HERE. Once you’ve submitted the form, you’ll receive a confirmation receipt in your inbox, and our team will promptly assess and address the issue. Expect to hear from a Mi-Benefits team member within 24 hours or one business day.

For TECHNICAL ISSUES on the GoWell ICHRA Platform, contact ichra@gowellbenefits.com.

No. Mi-Benefits offers a flexible enrollment solution tailored to your preferences. You have two main options:

1. Expert Enrollment Team: You may choose to schedule a call with our expert enrollment team. During this call, you will receive guidance to select the benefits that best fit your needs.

2. Self-Select: You may self-select benefits through our ICHRA platform (GoWell). This option gives you tools to self-evaluate your health insurance needs to make the best choice.

Please note that once selections are made and submitted, it can be challenging to change them. To ensure you make the right choice for you and your family. If you self-select your plan, then schedule a brief call with our expert enrollers to finalize your decision.  Once your selection has been submitted, it cannot be changed.

No. Mi-Benefits understands that everyone has different comfort levels with technology. If you are uncomfortable with navigation the benefits selection platform, we have alternatives.

1. Schedule a Call via the HUB: Schedule a call with the enrollment team by clicking HERE.  You will receive personal assistance in selecting your benefits.

2. Admin Assistance: Your administrator has the flexibility to put your information into the HUB scheduling tool and schedule a call on your behalf.

No.  You now have the ability to individualize your own health care coverage and not be grouped together with what everyone else needs.  With ICHRA, you have more control over your choices, and your employer still makes a contribution toward your premium.  It’s the best of both worlds!

If you or one of your family members becomes Medicare eligible while on an ICHRA plan, you must let your administrator know so they can report a Qualifying Life Event (QLE) on your behalf.  You will then need to schedule a call with one of our Medicare Enrollment Experts. Links to both of these actions can also be found below under Quick Buttons.

We strongly encourage you to schedule a call with a Medicare Enrollment Expert up to THREE MONTHS PRIOR to turning 65 years of age.

It is important to remember that while your employer is not responsible for any part of the basic Medicare plan premium, you are entitled to be reimbursed by your employer for Medicare Part B and/or Supplements that you elect.  After you pay those supplement premiums each month, you will provide proof of payment to your employer, and the employer will reimburse you up to the maximum allowable by the state in which you reside.  This reimbursement is not handled by Mi-Benefits, but by your company via payroll or direct reimbursement.

Not all insurance carriers will allow our enrollment team to set up the autopay for your virtual debit card on your behalf.  You are not being asked to set up an automatic payment from your own personal account.  DO NOT USE YOUR PERSONAL PAYMENT INFORMATION. 

Some insurance carriers require that you authorize autopay to ensure your premiums are being paid by the company’s account. To set up autopay, you must register for an account on the carrier’s website with your Member ID. You will use the Virtual Debit Card Account or ACH Account and Billing Address information provided in your Zorro Account Dashboard.  If your carrier does not accept debit, they will use ACH debiting.  That bank account and routing information is also available to you.   

Detailed information on how to set up your autopay was emailed to you by the enrollment team (please check your inbox and junk folder for information from Enroll365).   It is important that autopay is set up in a timely manner (within the first two weeks of your first month of coverage) so no monthly payment falls behind causing a possible lapse in coverage.

Click HERE to download step by step instructions.

A QLE, or Qualifying Life Event, must be first approved by your administrator.  Upon approval, your administrator will report a QLE in your behalf.  You will then be able to login to the ICHRA platform (GoWell) to make any changes necessary due to your life event.  Be prepared to provide documentation of your life event such as a birth or death certificate, a marriage license or divorce decree, etc.  You must then schedule a call with an enrollment expert to confirm any changes or elect new coverage during a Special Enrollment Period.

It is important to remember that reporting of life events and making changes to a policy must be completed in a timely manner.  For example, while a marriage, divorce, or loss in coverage may have a 60 day Special Enrollment Period, an event such as a birth or adoption may have only a 30 day Special Enrollment Period.

If you plan to cancel your coverage, please schedule a call with an enrollment agent.   You may also be asked to contact the carrier directly.  Some carriers require written notice to terminate a plan as well.  Be sure to confirm cancellation with your carrier to avoid being charged for your premium. 

Yes.  If you do not want to participate in a healthcare plan, you must login to the ICHRA platform (GoWell) to WAIVE COVERAGE.

You should have received an email from your enrollment agent with  information on how to set up autopay if we were not able to set it up on your behalf.

There is one final step to take for your insurance enrollment for the year. You should have received an email during Enrollment instructing you to set up auto pay with your carrier; this is to ensure your premiums are paid by the company account each month.

• We cannot set up autopay on your behalf.
• The virtual Visa debit card or ACH Account information is available in your Zorro dashboard.  This is the account information you will use to ensure your premiums are being paid for by your company.
• Do not set up autopay with your own payment method.  A virtual debit card was set up in your name (even though the company funds it). You’ll see that the billing address for this card is: 810 Sharon Drive, Westlake, OH 44145.
•  Go to your carrier’s website to register for an account. You will need your Member ID to complete this.
• Login to the Member Portal.
• Go to the “Billing and Payments” section near the top of the page.
• Click on “Make a payment” and select to enable auto pay.
• Use the account information on your virtual debit card or ACH account.

Again, this will ensure that your premium payments are pulled by the carrier from the company account each month.

CLICK HERE to download step by step instructions to set up autopay.

Keep in mind that this is an individual policy, and that you, as the owner of the policy are responsible for authorizing your carrier to autopay your premium through your company’s account.  Before the end of the first month of coverage, you may want to contact your carrier directly to ensure the autopay is set up and authorized by you.  Any failure in autopay may result in a lapse in coverage or cancellation due to non payment.

If you will no longer be working for the employer where you elected your current health care coverage, you do have the option to keep that coverage since ICHRA is an individual plan that you own.  You will simply need to contact the carrier directly and update your form of payment to your personal account, debit card, or credit card. 

If you do not want to keep your coverage, it is your responsibility to cancel that plan directly with the carrier.  Some carriers will require written notice to cancel a plan. If you do not confirm that your plan has been cancelled, you may be charged for your premium.  Failure to pay these premiums may result in action from a collection agency. 

On-Exchange plan premiums are paid with Post-tax deductions and Off-Exchange plan premiums are paid with Pre-tax deductions.  On-Exchange means the plan is purchased through a state-based exchange or Healthcare.gov.  Most plans are Off Exchange/Pre-Tax. Only in certain states do On-Exchange plans come into play.

Because your employer is offering you affordable health care coverage, you may no longer eligible to receive a subsidy.  If you do accept a subsidy on the marketplace without qualifying, you will owe  those monies back to the government. Consult your administrator and/or healthcare.gov for more information.

The monthly allowance, or employer contribution, is the amount of money that your employer is giving you toward paying for your individual health care plan premium.  The amount is determined by various factors such as age, state of residence, etc.  When you login to the ICHRA platform (GoWell) to look at available plans, you will be able to see the EMPLOYER CONTRIBUTION AMOUNT.  If you are speaking with an Enrollment Agent, they will have your Employer Contribution/Monthly Allowance as well.  You will know exactly how much your plan will cost before you submit an election.

Employers offering an Individual Coverage Health Reimbursement Arrangement (ICHRA) must provide an IRS 90 Day Notice/HRA Model Notice to eligible employees.  Mi-Benefits gives this notice to each eligible employee as part of their ICHRA offer.

This annual notice informs employees about the ICHRA and its interaction with Affordable Care Act (ACA) Premium Tax Credits. The notice must include the following information:

• ICHRA overview: Explain key terms, the monthly reimbursement amount, and whether dependents are eligible.
• Opt-out provision: State that employees can opt out of the ICHRA and that doing so means forgoing funds for the remainder of the plan year.
• Enrollment instructions: Detail how employees can enroll in qualifying individual health coverage.
• Premium Tax Credit impact: Explain how enrolling in the ICHRA could affect an employee’s eligibility for premium tax credits.
• Special Enrollment Period (SEP): Inform employees of the 60-day SEP that is triggered by the offer of an ICHRA, which allows them to enroll in individual coverage outside of the standard open enrollment period.
• Affordability guidance: Provide resources to help employees determine if their ICHRA allowance is affordable.
• Coverage substantiation: Explain the process for how employees must verify their individual health coverage to receive reimbursements.
• Contact information: Provide a point of contact for employees with questions about their ICHRA benefits. 

For general questions, the Mi-Benefits Client Services phone line is 888-268-1140.

For questions about your enrollment, schedule a time for an Enrollment Agent to return your call by clicking HERE.