• Who We Work With
• Brokers / Agents
• Carriers
• Chambers
• Employers
• Individual / Family
• State Agencies

Employers

NFP Health understands that small businesses need the same guidance in purchasing health benefits as big companies. Growing a small business does not always leave time or resources for hiring a benefits manager to oversee the process. That is why we have developed our NFP Health Benefits Exchange with a set of tools and knowledge management aids that provide our employers with everything they need to shop for and purchase health insurance. Our exchange works as a human resources proxy for the employer, guiding the manager through the data and documents needed to acquire insurance and providing suitable insurance options from which to choose. As a trusted extension of our insurance carriers, we handle the enrollment, underwriting and approval process once the employer has selected a plan. This makes resolving questions and concerns a simple, one-stop process, and means our employers and their employees get enrolled faster. Behind our technology is more than 40 years experience acting as an intermediary between employers and insurance carriers. Since 1969, NFP Health has been the authority on matters concerning health insurance and employee benefits in Massachusetts. NFP Health presents the most robust and consumer-friendly system, built to accommodate the small business employer. In fact, recognizing the success of our system, the NFP model was the basis for the current public health exchange in Massachusetts. Five years after the taxpayer funded exchange was deployed, the NFP Health Benefits Exchange continues to outperform it dramatically in terms of members insured and employers served. Easy, One-Stop Shopping Experience With the "No Wrong Door" approach, employers are brought through the quoting and enrollment process in an efficient and timely manner via our friendly 'Sherpa' guide. Establish needs of employer group Determining eligibility for government subsidy Comparison shopping Enrollment Paying online Brokers Brokers drive a large majority of our business. Brokers frequently send clients to NFP Health with the security of knowing that their clients will receive exceptional service, and that they, the broker, will receive the credit for the referral. This function is exclusive to NFP Health. Personal Assistance While our robust system brings exceptional functionality to the process of finding and enrolling in a health plan, we recognize that some employers and their employees are not comfortable with online shopping or may want assistance as they browse our offerings. Visitors are always presented with the opportunity to speak with one of our professionals, either by phone or through Live Online Chat. Our licensed/certified representatives can provide further assistance by reviewing plan options, processing quotes, and providing enrollment and payment options whether online or through paper submission. Enrollment and Underwriting The NFP Health online enrollment process is designed to ensure compliance with Underwriting Standards established by each carrier, including required business documentation. Our workflow-based underwriting tools allow us to quickly and accurately review both electronically and manually submitted documentation for compliance, and approve or decline cases for enrollment. Best in Class Customer Service Once enrolled, Employers continue to receive Best in Class service for themselves and their employees. Health Insurance plays a significant role in the well-being and sense of security of the consumer. We approach our clients with the knowledge that we are providing them with the assistance they need to ensure personal well-being for themselves and their employees. Our Customer Service staff receives high accolades and continually exceeds Service Level standards.

Fortin Law Video tour Ginger Betty's Bakery Video tour Employer User Experience Video Video tour

Privacy policy

NFP Health strongly believes in protecting the confidentiality and security of information we collect about individuals. Our information practices for this website are described below. This Privacy Policy applies to all of our websites, including any websites owned, operated or sponsored by any of our subsidiaries or affiliates. However, we may add to, or supersede, certain provisions of the following terms and conditions with other provisions located in other parts of all of our websites. You should review this Privacy Policy regularly as it may change at any time at our sole discretion. NFP Health may modify, add or remove portions of this Privacy Policy at any time by updating this web page. Please check back to this area of the website to look for changes in this Privacy Policy. If any change to this Privacy Policy is unacceptable to you, your only recourse is to terminate your use of the website.

Scope of Privacy Policy:

This Privacy Policy only addresses the use and disclosure by NFP Health of information NFP Health collects from you. However, this website may contain links to other sites and we may engage third party suppliers or service providers, each of which may adhere to their own privacy customs and policies. NFP Health does not control the content or privacy policies of such websites or the privacy policies of such third parties. NFP Health accepts no responsibility or liability for privacy or other issues related to the collection or use of your information by such other sites or third parties.

Your Personal Information:

When you come to the NFP Health website, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what portions of the website you are visiting. We aggregate this information to help us create a better experience for users of our website. For example: we may upgrade those parts of the website that are heavily visited or optimize the website to work more efficiently with certain operating systems. This is all done without our knowing your name or other personal identifying information. When you visit the NFP Health website you are anonymous, unless you chose to identify yourself to us.

You are not required to provide us with personal information to use our website, unless expressly stated. For example, certain features may require you to submit some personal information in order for those features to function as designed. Such information might include, but not limited to, name, address, E-mail address, and phone number. Certain parts of our website may require you to provide identifying information and use individual passwords in order to access personal information.

If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. NFP Health treats this information as confidential. NFP Health will use the information you provide solely to satisfy your requests for information regarding NFP Health. We do not sell, rent, or exchange any of the personal information collected on our website.

Cookies and Web Bugs:

A cookie is a small piece of information that a website sends to your computer, which is stored in a file on your hard drive. The next time you visit our website, we may use the information stored in your cookie file to facilitate your use of our website. For example, we may use your cookie file to store a password so that you do not have to input it every time you move to a different section of a password protected portion of our website. A cookie does not tell us your individual identity unless you have chosen to provide it to us. Most cookies expire after a defined period of time, or you can delete your cookie file at any time you choose. In addition, you can set your browser to notify you when you receive a cookie so that you can decide whether to accept or reject it.

A web bug (or web beacon) is a tiny graphical image that is typically on a web page. Somewhat like a cookie, a web bug can tell us information such as what kind of browser is being used and what time of day this page was accessed. Some web bugs can include information such as your IP address. Some technologies will notify you of the presence of web bugs, but browsers typically do not notify you of them.

Privacy:

NFP Health uses no encryption (data scrambling) on certain portions of our website, and up to 128-bit encryption on other portions. When you are on any website that asks you for confidential information (your social security number or a bank or credit card account number, for example), you should check to see if the information being transmitted is encrypted in order to increase the security of your information. If you need to send confidential information and are concerned about the security of a website, then you should consider sending it by phone or by regular mail instead.

Minors:

NFP Health makes no active effort to collect personal information from children under the age of 18. We believe that children who do wish to submit information to NFP Health should have permission from their parent or legal guardian.

Additional Rights:

Applicable laws may give you additional rights that are not described in this online privacy policy.