- Why do I need Gravie?
Gravie helps you sort through the many insurance options available — both on-exchange through the government-run marketplaces and off-exchange directly through insurance companies. We know health insurance and benefits are way too complicated. Our goal is make them simpler and easier to understand, and to match you with the plans that make the most sense for you.
After you’re enrolled in a plan, you get Gravie Care. Gravie Care comes with free, year-round access to a team of friendly, licensed advisors. They have one goal in mind: to make your life easier. They do this by taking care of all the stuff you dread. Things like calling the insurance company and researching to find answers. They’re passionate about helping people, and they’re waiting to help you.
- What happens after I register for Gravie?
First we’ll ask you some questions about yourself and your healthcare habits. Then we’ll check if you qualify for government tax credits or are getting money from your employer. Next we’ll show you the options available and help you choose a plan that meets your needs. Once you’ve found the best plan, we help you fill out the application.
- Does Gravie only sell health insurance?
Nope. We offer health savings accounts, dental, vision and supplemental medical insurance plans, too. And we’re always adding new products and services based on our members’ wants and needs.
- How much does Gravie cost?
Gravie is free to you! You can call us for guidance and support as much and as often as you need to.
- Is Gravie an insurance company?
No. We’re an unbiased third party resource. We match you with the products that fit you best, and then help you buy and manage them.
- Can I be denied health coverage if I have a health condition?
No. One of the most important parts of the Affordable Care Act (sometimes called “Obamacare”) is what’s called “guaranteed-issue.” This means health insurance companies can no longer deny your application for any health reason, or exclude any pre-existing conditions from coverage.
- How does Gravie make money?
Two ways. One, we get paid a fee from companies, like insurance companies, when we sell their products. This fee is built into all insurance plans, regardless of where they’re sold (directly through the insurance company or through a government marketplace), so you’ll never find the same plan for a lower price somewhere else. And two, we charge employer clients a fee based on the number of employees the company has. This allows us to provide the personalized customer service that we do.
- How can I contact Gravie?
Sign Up & Plan Management
- How long does it take to shop with Gravie?
It depends how comfortable you are using a computer and whether or not you qualify for government tax credits. Typically, the tax credit scenario takes a little longer, so plan on setting aside an hour or so. You’re required to apply for tax credits through a state or federal exchange, but not to worry; Gravie will take the lead and guide you through the whole process over the phone. We promise to make it as easy and painless as possible.
If you don’t qualify for government tax credits, shopping on our site could take as little as 20 minutes.
- Can I sign up for Gravie whenever I want?
No. There are only two times when you can change or enroll in individual coverage. The first time is during the annual open enrollment period. The 2016 open enrollment period ended January 31, 2016. This means that in order to apply for coverage now, you must have a qualifying life event. Qualifying life events include things like losing coverage from your employer, marriage, adoption, birth, divorce, etc. You have 60 days after the qualifying event to change or enroll in a plan.
- Can I make an appointment to get extra help?
- Can I come into Gravie’s office to sign up?
If you’re nearby, we sometimes schedule in-person appointments at Gravie headquarters in downtown Minneapolis. But our website was designed to be super easy to use. If the website doesn’t work for you, give us a call. We’re happy to help you sign up over the phone.
- Does Gravie know which plan I’m currently on?
Probably not; there are only two ways we could know about your current plan. One, your employer gives us information about its group plan. Or two, you give us information about your plan. We have no way to access information about your current plan unless you or your employer gives it to us.
- Can Gravie help me after I buy my plan?
Absolutely. In fact, we’d love to. That’s why every member who chooses benefits through Gravie, also gets Gravie Care. This means you can call us with any benefits-related question, at any time during the year. If we don’t know the answer, we’ll find it. We’ll even call your insurance companies on your behalf (with your permission, of course).
Here are just a few questions we’ve helped answer:
- Is this procedure covered by my plan?
- How much will I need to pay after my insurance has been applied?
- Can you help me understand this confusing bill I got in the mail?
- Why was my claim denied?
- Can you help me find a specialty doctor?
- Does Gravie have a mobile app?
Gravie & The Public Exchange
- How is Gravie different from a government-run public exchange?
There are lots of ways, but probably the biggest way we’re different is the member support we provide. Regardless of the plan you purchase, Gravie will help you with the entire process, start to finish. And we don’t stop there; when you choose benefits through Gravie, you get Gravie Care. This means our advisors will answer any questions you have about your coverage, at any time in the year. You won’t get this level of service from the exchanges.
You’ll also find plans on Gravie that you won’t find on the public exchange because we offer options that are only available directly through a health insurance company. We’ll help you figure out whether it makes the most sense for you to buy a plan from an exchange or directly from an insurance company.
- Am I eligible for government tax credits?
It depends on a variety of factors, like your household income and the number of people in your household. Gravie will figure out if you’re eligible and if you are, we’ll help you apply.
- Can’t I just go to the public exchange myself?
You absolutely can. But with Gravie’s tools, technology and support, we can help you figure out which insurance plan best fits your specific situation. Then we’ll help you buy the plan and apply for any government tax credits you might be eligible for. Gravie can also show you plans available directly through the health insurance company that aren’t on the public exchange and help you figure out if one of those might be a better fit for you.
- Do I have to get insurance under the new law?
Yes. Starting in 2014, you must have health insurance or pay a penalty. The penalty will increase each year. The penalty for not having health insurance in 2016 is $695 or 2.5% of your income, whichever is higher. Plus you’ll have to pay $347.50 for any children under 18.
Paying for Your Plan
- How do I pay for my health insurance?
In most cases, after you select a plan we’ll ask for your banking account information. We’ll pull your payment and send it to the insurance company on or around the 20th of each month. If you’re getting money from your employer, we’ll only pull the amount you’re responsible for, or we’ll deposit the amount from your employer directly into your bank account each month.
In situations when we can’t coordinate your payment, we’ll help you set up ongoing payments with your insurance company. Then we’ll deposit your employer dollars into your bank account each month.
- Can my employer give me money to use towards my monthly cost?
Yes. Your employer can provide money to you and your coworkers. This money is considered taxable income.
- Can I get tax credits if I use Gravie?
Yes. We’ll check if you’re eligible for government tax credits, and if you are we’ll help you apply through the public exchange.
About the Company
- Where is Gravie located?
We’re headquartered in Minneapolis, Minnesota. We also have employees in Illinois and Indiana.
- When was Gravie started?
Gravie started in November 2013 around the same time as the first open enrollment period for the Affordable Care Act.
- How did you choose the name Gravie?
When you’re offered a job, what you really care about is your salary. Everything else (health insurance, 401k, etc.) is…gravy. We didn’t want to go with the traditional “benefits” name; that’s stale, boring and soon to be dead. So we spiced it up a bit and came up with a consumer-friendly play on the word gravy. Gravy.com was already taken so we went with the next best thing that sounded equally as catchy — gravie.com.