Guaranteed Issue No eligible employee can be turned down (except for some pre-existing conditions) No Medical Underwriting Same price regardless of health Major Carriers Aetna Fully Insured Coverage to be counted upon Payroll Deducted Convenient and easier to budget ERISA Qualified The protection of Federal Law Toll-free access to Customer Service Representatives Employes may call before and after enrollment, to get answers to their questions and benefit explanations, obtain forms, verify enrollment, check on a claim status, etc. Timely, Accurate Claims Processing Claims are paid directly to the insured, unless benefits have been otherwise assigned