Shop and Enroll in Plans on the Website (Non-Medicare)
Shopping and enrolling in a plan on the website saves time, and it's more convenient. You can shop and enroll in plans any time during Open Enrollment or when you have a Special Enrollment Period. There's no need to schedule an appointment with a licensed benefit* advisor. If you'd like to shop for plans on the website and then speak with a benefit advisor to enroll, that's okay, too. Select Speak to an Expert from the Menu to Reserve a Time to Call a benefit advisor.
You can stop during this enrollment process if you need. When you come back, you have the option to continue the application (as long as your enrollment deadline hasn't passed).
1. Sign into Via Benefits, and select Shop for plans.
2. Select Shop under Individual and Family Coverage to shop for a medical plan.
You can only shop for one insurance plan at a time. To shop for an additional plan, such as dental or vision, return to this step and select another plan type.
Note: The tiles may be arranged differently on your Shop for Insurance Plans page. (The plans offered are customized for your employer.)
3. Review the high-level overview of bundling supplemental health insurance with your medical plan. You can also download a PDF.
4. Scroll down to the Learn More About Supplemental Insurance section to learn more or enroll in supplemental insurance.
5. Select Shop to continue your health care enrollment.
Learn More About Supplemental Insurance
To learn more or to enroll in supplemental health insurance, follow these steps:
1. Review the Supplemental Benefit Types (accident, critical illness, and hospital indemnity) and determine the policies that might be right for you.
Premium costs, deductibles, out-of-pocket maximums, and other health care costs have increased over the last several years and are expected to continue to rise. Additional benefits plans reduce rising cost exposure and unforeseen out-of-pocket expenses.
2. In the Explore and Enroll section, read the pamphlets (PDFs) provided by SureBridge Insurance and The IHC Group to learn more about your options.
3. Select the desired insurance carrier's website (SureBridge Insurance or The IHC Group) to enroll.
4. Select Open New Tab to go to the supplemental insurance carrier's website.
Important note: You need to return to marketplace.viabenefits.com to complete your health care enrollment.
6. The Your Funding Decision page displays if your employer or benefits provider is offering you funding.
Note: You can only accept your reimbursement arrangement (if offered by your employer) or use the Premium Tax Credit, not both. Please call us if you need help determining if you qualify for the Premium Tax Credit.
Select Make Decision if you'd like to make your funding decision. For assistance, scroll down to the Make Your Funding Decision section.
Note: Once you've made your funding decision, this page no longer appears here. However, Your Funding Decision remains on your Home page until your decision period ends.
Select Prepare to Shop if you'd like to shop without making your funding decision.
Make Your Funding Decision
Follow these steps to make your funding decision:
1. Select Make Decision.
2. Select your decision. (You’re deciding whether to opt in and accept your reimbursement arrangement or to opt out and decline it.)
3. Select Submit.
Important: You can’t receive both your reimbursement arrangement and the Premium Tax Credit.
7. Select when you need coverage, and select Continue.
Note: If you previously started an application, you can continue that application or start a new application.
8. Select who you're shopping for and select Continue. If multiple people are to be on the same plan, select all of those people here. (If you're continuing an application, you can't change who you're shopping for.)
Note: Throughout the shopping experience, there are words with dashed underlines. Select a word to see more information.
9. Select the Primary Contact and review the page. Select Continue if everything's correct.
Note: To make changes, navigate to the Profile page using the Menu at the top of the page. Make your changes and select Save. Select Go to Shop for Plans to return to shopping.
10. Provide information about Who needs health coverage and select Continue.
11. If asked, provide Your household information and select Continue.
12. Select your qualifying event if It's currently Special Enrollment and select Continue.
13. Indicate How much healthcare you think your family will use and select Continue.
14. If given the opportunity, enter the names of your preferred doctors or hospitals to see which plans they accept. Select Continue.
15. If given the opportunity, enter your prescription drugs and details to see which plans cover your drugs and how much they cost. Select Continue.
16. You're presented with the Most affordable plan based on the information you provided. You can also filter the plans by Lowest premium or view All plans.
This page provides some basic information about the plan, such as the deductible amount, out-of-pocket max, and copays. Select View plan details to learn more about the plan.
In the example below, one of the doctors doesn't take the plan and one of the prescriptions isn't covered. You can continue shopping to find a plan that covers those if you'd like.
17. Select Enroll in this plan when you're ready to enroll. You're taken to the application.
Your Dashboard
After you've successfully completed your application, you're provided with ways to manage your marketplace coverage on your dashboard, such as managing your application and accessing your plan coverage information.
Select View my dashboard to be taken to your dashboard.
Your Dashboard
Your dashboard can help you manage your coverage.
Your follow-ups reminds you when it's time to pay your premium or if you need to verify information.
Select Pay if you would like to pay your premium.
Plans provides an overview of your insurance plans.
Select Change plan if you'd like to change a plan.
Select Cancel plan if you want to cancel a plan.
Enrollment history shows the history of all enrollments. You can Update the eligibility application and download the eligibility results document.
*Our licensed benefit advisors specialize in health insurance for retirees. They go through annual training and certification to ensure they can help you make an informed and confident decision.
