Follow the steps in this article if you want to offer your team medical, dental, vision, short-term disability, long-term disability, or life insurance through Gusto.
As your insurance broker, Gusto will help you build a benefits package, run open enrollment for your team every year, automate your payroll deductions, and manage your team's benefit enrollments and terminations.
If you already offer benefits through another broker, and you’d like Gusto to automate your payroll deductions and manage your team's enrollments, click here to transfer your broker of record. You can also set up manual payroll deductions for any benefits you offer outside of Gusto.
Gusto currently supports the following benefits in the following states.
Admins can add new lines of coverage anytime in Gusto. If you want to offer dental, vision, life, or disability insurance, or a tax-advantaged account (HSA, FSA, DCFSA, or commuter benefits), you must first offer Gusto-brokered medical coverage.
Follow the steps below to see quotes and choose the plans you want to offer your team. Once you choose plans and sign forms, we'll set up open enrollment. Eligible employees will receive emails when it's time to choose or waive coverage in Gusto.
Follow the steps below to see quotes right from Gusto. You can choose from medical, dental, vision, life, or disability insurance, as well as tax-advantaged accounts (HSA, FSA, DCFSA, or commuter benefits).
In order to generate quotes, let us know who will be eligible for benefits.
After you choose medical plans, you can view quotes for dental, vision, life, and disability coverage. We partner with multiple nationwide carriers and our licensed benefits advisors are available to help you select the best options for your team. You'll also have the option to offer tax-advantaged benefits like a Health Savings Account, Flexible Spending Account, and commuter benefits.
Our team will review your application and reach out to you with next steps. An open enrollment specialist will email you to confirm open enrollment timing, then your team will receive emails when it's time to sign in to Gusto and choose or waive coverage. Keep an eye on your email as the insurance carriers may request additional info to process your application.
Note: There's no guarantee the insurance carriers will approve your application, but we’ll keep you posted throughout the process.
If the carriers request more info, we'll email you and you’ll also see a red alert in the Benefits section of your account. Click View documents to see what’s needed.
Upload or resubmit required documents
Document upload status definitions
Once you offer benefits with Gusto, here are a few things to know about your benefits management going forward.
Check your mailbox for your ID card
The insurance carriers send ID cards directly to each enrolled person. They typically arrive 7-10 business days after the benefits start date, though some carriers take longer. Head here for other options to find ID numbers and what to do if you need to go to the doctor before your card arrives.
Pay your carriers on time
Pay your invoice directly to your insurance carrier(s). Gusto does not make invoice payments on your behalf. Read about how the funds move with payroll deductions and check out our carrier-specific steps to pay your carrier.
Gusto handles all of your enrollments and deductions
All you need to do is keep your teams' employment details up to date in Gusto. Whenever you make changes (such as hiring and dismissing employees, or changing them from part time to full time), Gusto automatically takes care of their benefits and payroll deduction changes. What to expect:
Find benefit information
To find details about your company benefits package, download a Summary of Benefits, add new lines of coverage, or view deductions, contributions, enrollment, and more, head to the Benefits section of your admin account.
For questions about claims and coverage, contact your carrier directly.
When to expect renewal and open enrollment
When your company benefits are up for renewal (a year after they begin), Gusto will reach out to you to understand how the plans worked for you and help you choose your benefits package for the next year. Then we'll run a new open enrollment for your team.