When there is a change in direct billing method/model. The insured will automatically revert to a quarterly billing method/model. 

The direct billed insured may request to have the billing method/model changed at any time.

Example: 

List bill to Direct bill: The first bill the insured receives will be quarterly. 

This process only occurs when the insured was on List Bill and we receive a request from the ER group notifying us to make the change in the model. ***Remember, the EE can not request to make this change (List to Direct) if the are still on list bill. We can only take the request from the ER group. Please refer the insured back to the ER group. 

General Dynamic and Mantech ***NEVER *** refer them back to the ER group. Please see the OEP manul for other list of ER

Failed EFT/Credit card debit: The first bill the insured receives will be quarterly. 

First invoice: When we create a new policy and the insured failed to send us the first premium with the application. The first bill will be quarterly. Request the insured to make the payment by mail. Please offer to send the insured an APO form. 

VERBIAGE TO USE WITH CORPORATE MEMBERS. 

When Corporate Member is Separating from Employer …

As soon as we receive notice that your payroll deduction has failed, our system will automatically send a bill giving you the opportunity to continue your coverage by making payments directly to us.

We give you time to reply to the bill so that your coverage does not lapse and claims are not affected. Please just watch your mailbox for that bill. Let’s make sure we have the correct address on file for you …

Rates and benefits remain exactly the same. Your ID card does not change. You remain on the same policy. The only thing that changes is your billing method.