Professional referral workflow
A cleaner handoff for employees losing group coverage.
Employers, HR consultants, payroll companies, CPAs, PEOs, employment attorneys, and referral partners can coordinate a privacy-conscious resource for employees losing employer-sponsored coverage.
What to include
Employer or referring organization, contact person, approximate number of affected employees, coverage termination date, preferred coordination method, and handoff instructions.
The employer can share the resource directly or arrange a general educational handoff. Each employee decides whether to contact David and which coverage path to review.
Privacy boundary
Do not send employee medical information, household income, Social Security numbers, policy identifiers, or medication details. Employees make their own coverage decisions and provide only the information needed for their individual review.
What employees compare
Common paths include an ACA Marketplace Special Enrollment Period, COBRA, a spouse's employer plan, or an applicable Medicare enrollment period. Eligibility, application deadlines, effective dates, provider access, prescriptions, and total cost must be checked for each employee.
Employee next steps
The employee should gather the group-plan termination notice, COBRA offer if available, ZIP code, doctors, prescriptions, and preferred pharmacies. The employee coverage-loss answer and coverage-loss guide explain the comparison process.
A group educational session can explain categories and documentation without recommending one individual plan to everyone. Plan-specific guidance happens separately with each employee after the employee requests help and provides the required facts and permissions.
The referral partner should not promise eligibility, subsidies, provider access, or a particular effective date. Those items depend on the employee's circumstances and current carrier, Marketplace, or Medicare rules.
A written handoff should identify David as an independent coverage resource, explain that participation is optional, and give employees a direct contact path without routing personal insurance information back through the employer.