Frequently Asked Questions

Can I cover all my workers, whether they're full-time, part-time, seasonal and temporary?​ Yes you can.
Can I offer different plan designs to different groups of workers?​ Yes, many policyholders elect to offer multiple policies, especially when there's a difference in wages. Part-time hourly workers are more likely to participate in a plan designed with their budgets in mind than in a plan designed for management. Keep in mind that for each plan you decide to offer, minimum participation will need to be met.​
Will dependents be covered?​ Does that cost extra? It depends on the plan you select.
Are participants required to use a preferred provider network?​ No, they can use any doctor they choose.
Are there co-payments or deductibles? No there aren’t.
Will participants with pre-existing conditions be excluded from the policy? No they won’t. The coverage provided under the group policy does not exclude pre-existing conditions.
Will participants get an insurance card?​ Yes they will. It's important that they show this card to any provider before receiving treatment.


Is there a charge for administration?​ There is no additional charge for administration.
Is it easy for participants to enroll?​ Yes. We can work with you to make sure the enrollment method works for your group members.​
Do you have marketing and enrollment materials to help me promote the policy? Can I get them in Spanish? Yes we do, and most are available in Spanish. We’ll also translate them into any other language you need.
When are bills due?​ Bills are printed and mailed on the 15th of each month and premium is due by the 1st. Groups that have a monthly rate are sent a standard list bill each month.​
How long does it take Select Benefit Administrators (SBA) to pay claims? Assuming all necessary information is submitted, SBA typically pays claims 7-10 business days after receipt.​
What happens when a worker terminates from the policy? The policyholder notifies SBA who will note the change in eligibility on the 1st of the next month’s coverage. SBA will then mail out Continuation of Benefits forms to the worker. If the forms are completed and returned along with corresponding premium, SBA will administer the continued benefits.


Select Benefits insurance policies are not a replacement for a major medical policy or other comprehensive coverage. They are designed to provide benefits at a preselected, fixed-dollar amount. Coverage may be subject to exclusions, limitations, reductions, and termination of benefit provisions. Select Benefits policies are insured by Symetra Life Insurance Company located at 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S. states or any U.S. territory.

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