Underwriting Guidelines

RBG Small Group Underwriting Reference Guides

Cannabis Companies (updated 10/22/2024)

Carve-Out Criteria (updated 10/22/2024)

Fifteenth of Month Effective Date (updated 10/22/2024)

Husband and Wife Only Groups (updated 10/22/2024)

Independent Contractors – 1099s (updated 10/22/2024)

Minimum Wage Payroll Calculation 2024 – San Diego County & City (updated 1/4/2024)

Multiple Plan Options (updated 10/22/2024)

New Hire Age Determination Rules (updated 10/22/2024)

No DE9C Required (updated 10/22/2024)

Out of State Guidelines (updated 10/22/2024)

Owner Only Groups (updated 10/22/2024)

Participation and Wraps (updated 10/22/2024)

PEO Guidelines (updated 10/22/2024)

Spin-off Groups (updated 10/22/2024)

Start-up Groups (updated 10/22/2024)

Two Person Groups (updated 10/22/2024)

Valid Waivers (updated 10/22/2024)

2024 Underwriting Promotions

Blue Shield Relaxed Participation Flyer through December 2024

Health Net Underwriting Simplified Flyer through September 2024

2024 Carrier Underwriting Guidelines

Aetna Underwriting Guidelines 1.24

Anthem Underwriting Guidelines 1.23

Blue Shield Underwriting Guidelines 1.24

CalCPA Underwriting Manual 1.19

CaliforniaChoice Underwriting Guidelines 1.24

CaliforniaChoice Underwriting Guidelines 9.24

Cigna + Oscar Underwriting Guidelines 10.23

CCSB Enrollment and Eligibility Guide 1.24

Health Net Enhanced Choice Underwriting Guidelines 1.24

Health Net Dental and Vision Underwriting Guidelines 1.24

Health Net Life Underwriting Guidelines 1.24

Kaiser SB Underwriting Guidelines 1.24

MediExcel Underwriting Guidelines 4.23

Sharp HMO SG Underwriting Matrix 10.21

Sharp POS SG Underwriting Guidelines 9.21

Sutter Small Group Underwriting Guidelines 1.24

UnitedHealthcare Underwriting Guidelines 7.22