30-Day Implementation

Switching Is the Easy Part

HR directors tell us the same thing: the plan sounds incredible, but switching sounds like a nightmare. It is not. Here is exactly what happens, week by week, with zero disruption to your employees.

Schedule a 15-Minute Walkthrough

The 30-Day Implementation Timeline

Week by week. What we do. What you do. Nothing hidden.

Week 1

We Do the Heavy Lifting

  • →Enough! Health reviews your current plan design and claims history
  • →We draft the plan documents, trust agreement, and Care Approved Card integration
  • →Your broker reviews and approves (if applicable)
What HR does

One 30-minute kickoff call. That is it for Week 1.

Week 2

Your Employees Get Excited (Not Anxious)

  • →We prepare all employee communications — announcement email, FAQ, and enrollment guide customized with your company name
  • →We draft the Summary of Material Modification (SMM) for ERISA compliance
  • →You send ONE email to employees using our template, introducing Enough! Health and the Member Premium Reserve concept
  • →We host a virtual benefits session for your team — 30 minutes, we present, you sit back
What HR does

Forward one email template. Attend one meeting. Done.

Week 3

Seamless Enrollment

  • →Employees enroll through the Enough! Health member portal — self-service, mobile-friendly
  • →Each employee gets their Care Approved Card (digital immediately, physical card ships within 5 business days)
  • →Each employee's Reserve account is created automatically
  • →HSA accounts roll over seamlessly — the HSA is portable and does not change
What HR does

Answer employee questions using our FAQ template. Most employees have zero questions.

Week 4

Go Live

  • →Coverage begins on the effective date
  • →Run-out arrangement with your prior TPA or carrier handles any claims from before the switch
  • →Enough! Health member support handles all employee questions from Day 1
  • →Quarterly check-ins begin — we review claims data, Reserve balances, and employee satisfaction with you
What HR does

Nothing new. Your benefits administration is now simpler than it was before.

What Your HR Team Does NOT Have to Do

  • ✕
    Negotiate with insurance carriersWe handle all plan design and pricing
  • ✕
    Process claimsEnough! Health processes all claims through the Care Approved Card
  • ✕
    Manage a networkNo network to manage. Any willing provider at published self-pay rates.
  • ✕
    Submit reimbursement receiptsNo HRAs. No receipt-based reimbursements.
  • ✕
    Run open enrollment presentationsWe present to your team. You just show up.
  • ✕
    Handle stop-loss coordinationBuilt into the plan design. Reinsurance is automatic.
  • ✕
    File ERISA compliance paperworkWe draft and file. You sign.
  • ✕
    Answer complex benefits questionsOur member support team handles everything. HR gets their time back.

What Your HR Team DOES Do

  • ✓Forward one email template to employees (Week 2)
  • ✓Attend one benefits session (Week 2, 30 minutes)
  • ✓Review quarterly reports with us (30 minutes per quarter)
  • ✓Enjoy having one of the most distinctive benefits packages in your industry

HR Questions. Answered.

What if an employee has an ongoing treatment?+

Continuity of care is protected. Claims from before the switch date are processed by your prior administrator under the run-out arrangement. Claims from the switch date forward go through Enough! Health. There is no gap in coverage — ever.

Do our employees need new doctors?+

No. Enough! Health does not have a traditional network with restrictions. Your employees use any provider they choose. The Care Approved Card works at any provider who publishes self-pay rates, which is virtually all providers under federal Price Transparency requirements.

What about our HSAs?+

HSAs are employee-owned and portable. They do not change when you switch plans. Your employees keep their existing HSA and now ALSO get a Member Premium Reserve alongside it. Two separate accounts in their name instead of one.

What happens to pending claims from the old plan?+

Your prior TPA processes all claims incurred before the switch date under a standard run-out arrangement (typically 90–180 days). Enough! Health handles all claims from the switch date forward. Your employees do not need to do anything differently — claims are routed automatically by date of service.

We have 500 employees. Is this really just 30 days?+

Yes. Our implementation process is the same whether you have 50 or 5,000 employees. The enrollment is self-service through our member portal. The plan documents are templated and customized by us. The only variable is the number of employee questions, and our FAQ template handles the vast majority of questions before they are asked.

What does this cost us to implement?+

Nothing. There is no implementation fee. No setup cost. No deconversion fee. Your first cost is the monthly premium on the plan effective date.

See the Switch in 15 Minutes

We will walk you through the 30-day timeline for your specific company. No pressure. No commitment. Just clarity.

Schedule a 15-Minute Walkthrough↓Download the Self-Insured Implementation Playbook