Check + SimplyInsured Component Integration Guide

Introduction

SimplyInsured is an online platform that helps small businesses compare and purchase employee medical, dental, and vision insurance plans. Business owners can compare plans side by side to find the one that best fits their business and budget.

The Check + SimplyInsured Integration enables any partner to offer small group health insurance directly in their platform in less time than a traditional integration. This enables them to:

• Quickly test for product-market-fit
• Differentiate with a small group health offering
• Add a new revenue stream

Creating a SimplyInsured Check Component

• Create a POST request to https://sandbox.checkhq.com/companies/{companyId}/components/integrations in Postman. Create an authorization header and set the value to your API key. IE: Header name = “Authorization”, header value = “”. Set the body of the request to the following JSON content. This integration partner is SimplyInsured.

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Note: SimplyInsured requires that an email be associated with any company going through their experience. To enforce this, Check mandates that an email be present on the company object, or passed through in the request body to generate the component link. If both are present, Check will send the email in the request body through to SimplyInsured.

{
 "integration_partner": "int_Xf90bJAKE9Lf2jVjbgne",
 "email": "[email protected]" // use a unique email here
}

• Grab the URL in the response body, and plug it into a new browser tab.
  Please note that the minimum height of the SI component is 550px, and the minimum width is 960px.

SimplyInsured Experience Walkthrough

Applying for small group health insurance through the SimplyInsured Component

1. Follow the instructions above to generate a link to the SimplyInsured component.

2. Click on “Find a plan” to sign up for a new health insurance plan.

3. Authorize SimplyInsured to securely connect with Check to view company information, documents, employee information, benefits, and payroll data. Click “Got it”.

4. The SimplyInsured quote page will now appear within the component.

5. You have the ability to finish your quote at a later time. To do so, generate another component link using the instructions above, and click “Finish quote”.

Connect your existing health insurance plan to SimplyInsured through the SimplyInsured Component

1. Follow the instructions above to generate a link to the SimplyInsured component.
2. Click on “Connect existing plan” to connect your existing health insurance plan to SimplyInsured.

3. Authorize SimplyInsured to securely connect with Check to view company information, documents, employee information, benefits, and payroll data. Click “Got it”.

4. Fill out the information about your current policy and sign to authorize the change of broker of record to SimplyInsured. Nothing will change about your plan or coverage.

SimplyInsured Benefit Creation

SimplyInsured will create new benefits inside of Check’s system. This can happen at various times depending on the customer and the insurer.

For customers who are purchasing new plans in SimplyInsured, benefits are created on the later date of (1) the start date specified in the health plan and (2) the date that the insurance carrier gives approval for the new plan. For Broker of Record transfers, benefits are created in Check's system on the day the company is moved to Active in SimplyInsured - roughly the same time as when the Broker of Record transfer is completed.

For existing customers who hire a new employee, benefits are created the morning after an employee is enrolled.

The benefits created by SimplyInsured will be defined as period benefits within Check’s system. Here’s a guide with more information. To override the benefit contribution on any individual payroll, you can make use of the benefit overrides feature. While the underlying benefit object created by SimplyInsured will be read-only, benefit contributions amounts can be overridden on a per payroll basis using the benefit overrides feature.

Employee Termination

An important prerequisite to integrating with the SimplyInsured component is building support for setting the termination_date field on the Employee object. This field must be set shortly within a day of an employee being terminated. SimplyInsured reads this field to kick off the termination workflow detailed below.

Upon termination, SimplyInsured will send an email to the employee letting them know of the date until which they’ll be covered and other relevant information. In addition, SimplyInsured will send an email containing information pertaining to COBRA. The insurance carrier will also notify the employee about COBRA. An example is attached below.

Employer Lifecycle

Employers that engage with the SimplyInsured Integration will follow a sequence of statuses that details where in the lifecycle of enrolling for health benefits the employer is.

The /accesses endpoint lists all active integrations. You can also leverage the company query parameter to retrieve the status for a single company.

https://sandbox.checkhq.com/integrations/accesses?company={companyID}

Once filtering this list for SimplyInsured accesses, you can expect a response that includes a field called access_type which reflects a company's status with SimplyInsured. These statuses are:

New Quote Flow

Broker of Record Change Flow