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Apply for health benefits

If you’ve never offered health insurance to your team before, follow these directions to apply. If you already offer benefits but you’d like to integrate them with your Gusto account, click here to transfer your broker of record.

  1. Go to the Benefits section. 
  2. Click View Quotes on the Health Benefits tile. 

Step 1: Get Price Quotes

  1. Click No — we want to offer new benefits, then click Next.
    • If you already offer benefits, click Yes — we currently offer this benefit and you’ll be able to integrate them with Gusto on the following page. 
  2. Click See Price Quotes.

Step 2: Tell us about your team

Our system will default eligibility to employees working 30+ hours per week to stay compliant with the ACA. If you’d like to adjust that, click edit and select the Part Time option. 

  1. Set the employment status for each person on your team to indicate whether or not they’re eligible for benefits.
  2. If there are owners or officers in your company who aren’t on payroll, click +Add an owner. 
  3. Once you’ve set up the eligibility and identified owners in your company, click Save & Continue. 

Step 3: Build your benefits package

You’ll be presented with Medical, Dental, Vision, Life, Short-Term Disability, and Long-Term Disability benefits to choose from. Each will have their own levels of coverage to choose from and steps to complete. 

  • Level of coverage. Here’s a guide to help you make that choice. 
  • Base Plan: This is the core plan your team can choose to enroll in or buy-up to higher coverage (if you offer it).
  • Additional Plans (optional): If you would like to add plans in addition to your base plan, you can choose that here. 

Click Start Choosing Plans. Repeat them for each line of coverage you’d like to add to your benefits package. Above the plan options you’ll see your company contribution. Click edit if you’d like to change it. 

  1. Select your preferred Tier (for medical only).
  2. Click Next: Choose a Base Plan. 
  3. Review the plan options and the associated company and employee costs. 
    1. Click View full details to review the Summary of Benefits and Coverage of each plan.
    2.  (optional) To help you predict costs, adjust the number of eligible employees, business owners, and dependents that your team might have.
  4. When you’ve found a plan you like, click Choose This Plan. 
  5. Click Save & Choose More Plans.
  6. Add another plan (optional) and click Save & Continue.

At the bottom of the Benefits Package screen, you can download a PDF with a breakdown of the benefits costs. Click Save & Continue to move forward. 

Step 4: Company Info

  1. Choose the waiting period for new hires. 
  2. Let us know if you are hiring anyone during this application process (between now and when your benefits will start).
  3. Indicate if you have worker’s compensation insurance. If you don’t, click here to start one. 
  4. Identify your S-Corp tax status. 
    • If you file taxes as an S-Corp, let us know if you want the company to cover the entire cost of benefits for the 2% shareholder-employee(s). 
  5. Let us know the status of your company under your state’s Secretary of State.
  6. Click Save & Continue. 

Step 5: Confirm & Submit your Application

Review your entire benefits package to make sure you’ve selected the right offering for your team and click Submit Your Application. Once you submit the application, you will not be able to change your selections. 

Step 6: Verify Eligibility 

When we submit your application to the insurance carrier(s), we’ll need a few documents to prove that your company is eligible to offer benefits. Please upload each document and sign the forms required so we can submit a complete application. When you’re done, click Submit Documents. 

Once we get your application, you’ll be partnered with a specialist who will help your team through Open Enrollment and make sure all the paperwork is taken care of behind the scenes. During this time, you may need to provide additional information depending on insurance carrier requirements. 

Note: There is no guarantee that the insurance carriers will approve your application for health insurance, but we’ll keep you posted throughout the process to flag issues if/when they arise.

If additional action is needed…

You’ll see a red alert in the Benefits section of your account. You’ll need to upload a new document that meets the requirements. Click View documents to see what’s needed.

To upload or resubmit required documents:

  1. Click Upload document.
  2. Click Select File to upload the document, or drag and drop your file.
  3. Click Upload.

You can upload the following file types up to a maximum file size of 20MB:

  • .jpeg
  • .jpg
  • .png

Document upload status

These are the statuses you’ll see and what they’ll mean:

  • Requested: we’re waiting on you to upload the document.
  • Pending review: we’re taking a look to make sure the document meets the carrier’s requirements.
  • Accepted: the document is good to go.
  • Rejected: the document doesn’t meet the carrier’s requirements. Take a look at the notes and re-submit. 

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