Using zizzl health's Communications Tool
A successful Open Enrollment (OE) period starts with consistent communication. This recommended communication plan helps ensure employees understand their new ICHRA benefit, know when to take action, and have the resources they need to complete enrollment on time.
The communication templates listed below are available within the zizzl health Communications Tool and can be scheduled in advance for automatic delivery to employees. Administrators may adjust the timing and content as needed based on their group's Open Enrollment timeline and communication strategy.
Using the zizzl health Communications Tool
To learn how to use the Communications Tool in zizzl health, including how to create, schedule, and manage employee communications, please refer to the ER Admin Guide for step-by-step instructions and additional resources.
Recommended Communication Timeline
Communication | Purpose | Suggested Subject | Timing | Template |
Communication 1: Welcome to Your Benefits with zizzl health | Introduce employees to zizzl health, explain their new ICHRA benefit, and prepare them for Open Enrollment. | Welcome to zizzl health! | Approximately 4 weeks before Open Enrollment | |
Communication 2: How to Prepare for Open Enrollment | Help employees gather the information they need before enrollment so they can complete the process efficiently. | Prepare for Open Enrollment | Approximately 1 week before Open Enrollment | |
Communication 3: Open Enrollment FAQs | Answer common employee questions, explain key enrollment details, and encourage employees to enroll before the deadline. | You're in Open Enrollment – Here's What You Need to Know | Day 1 of Open Enrollment | |
Communication 4: Open Enrollment Reminder | Remind employees to complete enrollment before the deadline and provide resources for assistance. | Reminder: Open Enrollment Ends Soon | 3–5 days before Open Enrollment ends | |
Communication 5: Post Open Enrollment FAQs | Help employees understand what happens after enrollment and answer common post-enrollment questions. | Thank You for Completing Open Enrollment | 1–3 business days after Open Enrollment closes |
Appendix A – Communication 1
Email Template
Hello,
Welcome to zizzl health! We’re the platform that will guide you through your new benefit selection. Our goal is to support you throughout this transition and help make your experience simple and easy.
Below is some important information to help you get started:
What is an ICHRA?
An ICHRA, or Individual Coverage Health Reimbursement Arrangement, allows your employer to provide you with tax-free reimbursement of your premium contribution towards a qualified health plan of your choice. Instead of your employer choosing your health plan, this platform allows you to the qualifying health plan that is best suited for you.
How Does the ICHRA Work?
You receive a fixed monthly benefit from your employer called an "ICHRA Contribution." This contribution is used towards your health insurance premium. Through the zizzl health portal, you'll be able to shop, compare, and enroll in a plan that works for you. If your premium costs more than your contribution, you will pay the difference through your payroll deductions.
When open enrollment begins, you’ll be able to log in to zizzl health and start the process.
Here’s what you’ll do:
· Register your account through the link we’ll send you.
· Enter demographic information about yourself and any family members you want to cover.
· Use our tools to compare plans based on what matters most to you.
· Select and enroll in your preferred health insurance plan.
Need Help?
Email: [email protected]
Phone: (414) 800-2278
We’re excited to help you get started with your new benefits!
Appendix B – Communication 2
Email Template
Hello,
Open enrollment is just around the corner, and we want to make sure you're prepared. Here are a few simple steps to help you get ready before logging in to zizzl health and enrolling in your health plan.
Gather Your Information
Before starting your enrollment through zizzl, make sure you have the following details ready:
· Personal information for yourself and any dependents you plan to enroll
o Including full names, dates of birth, and Social Security Numbers
Your family's healthcare needs
Providers: Most plans, but not all, have narrow provider networks where, except for
emergencies, they exclude “out-of-network” services. If you have preferred doctors,
hospitals, or specialists ensure you know they are considered In the network of the
insurance plan you are considering.
Prescriptions: Each plan has a unique list of prescription medications they cover.
Make a list of those you want covered.
Make sure to have
· The exact spelling
· Dosage
· And whether it is considered generic.
You're Ready to Start!
Once open enrollment begins, you’ll be able to log in to your zizzl health account, compare plans, and select the one that fits your needs best.
Email Template
Hello,
Now that open enrollment has started, we know you may have questions as you explore your health plan options through zizzl health and your ICHRA benefit. Below are answers to some of the most commonly asked questions during enrollment:
When is the deadline to enroll?
Open enrollment closes at 11:59 PM CST on (Insert Last Day of Enrollment).
Once the enrollment window closes, it is closed so please be sure to select your plan through the zizzl health portal before the deadline. If you do not register and enroll in a plan on zizzl, you will be considered opting out from the ICHRA benefit.
How much is my ICHRA contribution?
When you log into your zizzl health account, your monthly ICHRA allowance will be visible on your dashboard.
If your family is eligible for a contribution, your full amount will also appear on the “Select Benefits” page during enrollment.
What tools are available to help me choose a plan?
zizzl offers several features to help you find a plan that fits your needs:
· Filter by: monthly premium, deductible, out-of-pocket max, in-network doctors, and prescriptions
· See side-by-side comparisons of plans by clicking on the "Compare" button on multiple plans
· Access plan details and provider networks
If you'd like extra support, our call center is available to help guide you through the platform and connect you with further help.
Can I keep my current doctor?
In many cases, yes. You can shop for plans that include your preferred doctors rather than being limited to your one-employer selected network.
Can I participate in ICHRA and use this coverage as secondary coverage?
No. To participate in the ICHRA, your individual health plan must be your primary coverage. Individual plans enrolled through the ICHRA should not be used as secondary coverage.
Is there a preferred insurance carrier?
One of the key benefits of an ICHRA is choice so there’s no single plan or carrier you’re required to use. Use the zizzl tools to compare available options and enroll in the plan that best meets your personal or family needs.
How do I contact an insurance carrier with questions?
If you need to contact a carrier (to confirm in-network providers or prescriptions), be sure to let them know you are enrolling in an individual or family plan, not through a group policy.
You can say:
"Hi, my name is (Your Name), and I am enrolled (or enrolling) in an off-exchange individual family plan. My employer offers an Individual Coverage Health Reimbursement Arrangement (ICHRA), which allows me to use an employer contribution to choose an individual plan. I’m looking to speak with someone from the individual member service team about (your issue)."
If the representative mentions the Marketplace, inform them your application was submitted directly and is off exchange.
Need Help?
Email: [email protected]
Phone: (414) 800-2278
Appendix D – Communication 4
Email Template
Open Enrollment is ending soon!
If you have not yet selected your health plan through zizzl health, now is the time to do so.
Remember:
· Enrollment closes at 11:59 PM CST on (Insert Enrollment Deadline).
· Once the enrollment window closes, it cannot be reopened.
· Employees who do not complete enrollment will be considered to have opted out of the ICHRA benefit.
If you have questions about comparing plans, your employer contribution, or the enrollment process, please review the Open Enrollment FAQs available in your zizzl health account or contact the Concierge Team.
Need assistance?
Email: [email protected]
Phone: (414) 800-2278
Appendix E – Communication 5
Email Template
Congratulations on completing open enrollment! Your selections have been submitted, and you're on your way to receiving coverage through your new individual or family health plan with your ICHRA benefit.
Here’s what to expect moving forward and some answers to common post-enrollment questions:
What Happens Next?
Now that open enrollment is closed, zizzl works with your insurance broker to submit your application to the carrier you selected. Carrier processing times vary, so it may take several weeks for enrollment to be finalized and member materials to be issued.
If any additional action is required on your part, we’ll contact you directly via [email protected] or by phone at (414) 800-2278.
Remember — since you’ve enrolled in an individual plan, you are the policyholder. That means you’ll receive direct communication from your insurance carrier, including:
· Member information
· Digital or physical ID cards
· Invoices or autopay confirmations
Important: Do not use your personal payment method to pay premiums. All premium payments should be made using the ICHRA banking information provided in your zizzl profile.
What if my insurance carrier requests additional documentation?
Some carriers may require additional information or documentation before completing your enrollment.
If action is needed, the carrier, broker, or zizzl health team will contact you with instructions.
Responding promptly can help prevent delays in activating your coverage.
When Will I Receive My Member ID Card?
· Member ID cards are typically received within 1–4 weeks after your coverage becomes effective, depending on your insurance carrier’s processing time.
· Most carriers offer a member portal or mobile app. Once your enrollment is processed, you will usually receive instructions by email or mail to create your account.
· Your member ID number and digital ID card are often available in the member portal before a physical card arrives.
· Some carriers do not issue physical ID cards and provide digital-only access.
Need your ID card urgently?
If you have an upcoming medical appointment or need a prescription and have not received your member information, first contact your insurance carrier for assistance. If you still need help, contact the zizzl concierge team and we can work with the broker and carrier to help your request.
How do I find in-network doctors and pharmacies?
· Log in to your carrier's member portal or mobile app to search for in-network providers and pharmacies.
· You can also contact your carrier directly for assistance.
· Using in-network providers can help reduce your out-of-pocket costs.
Can I change my plan whenever I want?
Generally no, plan changes can only occur during annual open enrollment or after a qualifying life event.
What if I have a life event (marriage, baby, move, etc.)?
For life changes or qualifying events like marriage, divorce, birth, adoption, name changes, or moving, take the following steps:
· Contact your insurance carrier to report the change and follow their instructions.
· Notify the zizzl concierge team and your human resources so we can ensure your ICHRA records are updated as needed.
· These events have strict reporting deadlines. Most carriers require changes to be reported within 30–60 days of the qualifying life event, so it is important to act promptly.
Please note: If you are adding a dependent to your plan with a qualifying life event, you must already be enrolled in an IFP on zizzl.
What happens to my coverage if I leave my employer?
· Since you’re enrolled in an individual plan, you own your policy. That means if you leave your employer, you can choose to:
o Keep your current plan – Just update your payment method with the carrier to a personal credit card or bank account. This can be done by contacting the carrier by phone or logging into your carrier's member portal.
o End your plan – Contact the carrier directly to request cancellation.
Please note: zizzl does not cancel your policy when you leave your job, as many people choose to continue their coverage.
What if I missed open enrollment?
· If you were unable to enroll during the open enrollment window, please contact your HR team and the zizzl health Concierge Team.
· Insurance carriers have strict enrollment deadlines, and while we can’t guarantee enrollment after the deadline, we will do our best to assist you.