FAQ/How to do business with us

FAQ section

Group Quotes

What counts as a group?
A group is 2 or more employees working for a bona fide company. Most carriers will not write owners-only policies, so at least one of the employees must be W-2..
How do I know if my group is small or large?
Small group is defined as under 50 full-time equivalents while large group is over 50. FTE factors in full-time as well as part-time employees. You can use our calculator to determine your FTE count.
How do I get a small group quote?
All we need for small group quotes is our Quote Request for New Groups form
How do I get a large group quote?
For large group, we will need our Quote Request for New Groups form as well as all of the items on our Large Group RFP Checklist.
How soon can I expect my group health quote?
Turnaround time is 2-3 business days. It could be longer in the busy season (November-December) so get your quotes in early!
Can you expedite a quote for me?
We are able to expedite small group ACA quotes in Utah. Large groups, underwritten groups, or out-of-state groups usually cannot be expedited.
Does Stone Hill work with groups outside of Utah?
Yes! We are licensed to sell insurance in all 50 states. Out-of-state quotes can take additional time to generate.
What are some options for beating ACA community rates?
We have a lot of options available to you! Many small groups with 10 or more enrolling employees can qualify to be underwritten with pooled or level-funded products.
We are also good at pairing traditional insurance with gap coverage, which allows your employees to save money on premiums without sacrificing benefits.
Call or email us for more information!
What do I need to get an All Savers, EMI, Cigna, or Aetna AFA quote for my small group?
Please have each employee fill out an All Savers application, which is accepted by all of these carriers. There are other requirements, email us for details.

FAQ section

New Business

What is the deadline to submit new groups?
Please submit new business to us at least 7 business days before the effective date. Best practice is to submit everything before the 15th ( if this falls on a weekend the last business day before) so we have time to get members their cards before their effective date. Regence requires all new business to be complete by the 15th of the month before the requested effective date. However, we will accept new business up until the last business day of the month for the other medical carriers.
What are the participation requirements?
  • Select Health - 75% with eligible waivers
  • Regence - 75% with eligible waivers
  • UHC - 50% of the group no matter the waivers
  • Aetna - 60% with eligible waivers
  • Humana - No requirement
Some carriers may have additional requirements.
What are the premium contribution requirements?
The employer must contribute at least 50% of the employee-only premium on the lowest-cost plan offered. Some carriers may have additional requirements.
What if my group will not meet participation or contribution requirements?
Most carriers waive these requirements for January 1 effective dates. Please email us in November if your group would like to take advantage of this.
Can I bundle major medical with ancillary products?
Yes! Just let us know!

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Can Stone Hill help me with servicing (e.g. terminations, adding members, etc.)?
Yes! We can help you with all aspects of your business, from initial installment, servicing, and ending the group contract.
What qualifies as a special enrollment period (SEP) for group members to enroll?
  • Losing qualifying health coverage through no fault of the member (cancelling or not paying your premium does not count)
  • Marriage
  • Having or adopting a baby or child
  • Moving out of your service area
  • There could be other special circumstances, email us with specific questions
Please note: Divorce or turning 26 are not SEPs on their own. The member must have a loss of coverage.
How soon do I have to add a baby to the group plan?
New baby adds are due within 30 days of the birth.

FAQ section


Does group business have an open enrollment period?
Group business is something you can write all year long! Groups can enroll on the 1st of any month. That group's renewal and open enrollment period will typically be that month every year.
Do you work with EMI?
Yes! Stone Hill has our own pool which allows small groups to be underwritten, often beating out ACA community rates!
Can you write alternate-funding groups?
Yes! We do all groups: fully-funded, level-funded, self-funded, etc.
What is alternate-funding?
Call or email us for more information! (It's hard to write enough about it.)


Group Health

Group Health insurance is employer sponsored health coverage. This means that the employer of a company is contributing a dollar amount or a percentage to the employee's medical premium. Here at Stone Hill National, we offer a variety of carriers that you can present to your clients. Depending on each carrier's structure, determines the minimum contribution amount that the employer is required to contribute.  


Select Health

United Healthcare

Regence BCBS





HSA Healthplan

All Savers


Contact Us:

Group Quotes/New Business
David Oberle 801-428-1521
Amy Roberts 801-428-1528
All Group Servicing
Stephanie Mora 801-428-1511

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