Underwriting Guidelines

RBG Small Group Underwriting Reference Guides

Cannabis Companies (updated 8/16/2022)

Carve-Out Criteria (updated 7/13/2022)

Fifteenth of Month Effective Date (updated 7/13/2022)

Husband and Wife Only Groups (updated 8/11/2021)

Independent Contractors – 1099s (updated 7/13/2022)

Minimum Wage Payroll Calculation 2022 – San Diego City (updated 6/13/2022)

Minimum Wage Payroll Calculation 2022 – San Diego County (updated 6/13/2022)

Multiple Plan Options (updated 2/1/2023)

New Hire Age Determination Rules (updated 10/24/2022)

No DE9C Required (updated 1/31/2023)

Out of State Guidelines (updated 8/12/2022)

Owner Only Groups (updated 8/12/2022)

Participation and Wraps (updated 2/1/2023)

PEO Guidelines (updated 9/30/2022)

Spin-off Groups (updated 8/12/2022)

Start-up Groups (updated 7/19/2022)

Two Person Groups (updated 8/12/2021)

Valid Waivers (updated 7/13/2022)

2023 Underwriting Promotions

Blue Shield Relaxed Participation Flyer through December 2023

Health Net Underwriting Simplified through March 2023

2023 Carrier Underwriting Guidelines

Aetna Underwriting Guidelines 1.23

Anthem Underwriting Guidelines 1.23

Blue Shield Underwriting Guidelines 1.23

CalCPA Underwriting Manual 1.23

CCSB Eligibility and Enrollment Agent Guide 1.23

Cigna + Oscar Underwriting Guidelines 1.23

Health Net Enhanced Choice Underwriting Guidelines 1.23

Health Net Dental and Vision Underwriting Guidelines 1.23

Health Net Life Underwriting Guidelines 1.23

Kaiser Underwriting Guidelines 1.23

MediExcel Underwriting Guidelines 1.23

Sharp HMO SG Underwriting Matrix 1.23

Sharp POS SG Underwriting Guidelines 1.23

Sutter Small Group Underwriting Guidelines 1.23

UnitedHealthcare Underwriting Guidelines 1.23

2022 Carrier Underwriting Guidelines

CaliforniaChoice Underwriting Guidelines 3.22