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Group health insurance

Start a group health chat with Leo.

Ask about employee eligibility, employer contribution, renewal timing, or get the group quote started here.

Leo from Bell and Lyons Insurance
Leo

Group health specialist

Hi, I'm Leo. I can help with group health questions, benefit comparisons, and quote options. What would you like help with?


        

      

    

  

      

      

        

          

            
Click each topic to explain how employer health coverage works.

            
This gives owners and office managers a clear picture of how eligibility, contribution, network access, and renewal timing affect the quote.

          

        

        

          

            

              
Group Health Map

              
              
              
              
            

          

          

            

              
Employee Eligibility

              

                
Risk Factor
A quote can fall apart if the business does not meet carrier participation or employee-eligibility requirements.

                
Solution
Bell & Lyons reviews employee counts and participation early so the business is matched with realistic group plan options.

              

            

            

              
Employer Contribution

              

                
Risk Factor
Employer budget and contribution strategy directly affect plan affordability and employee enrollment.

                
Solution
Contribution planning helps balance company budget, employee participation, and available carrier options.

              

            

            

              
Plan Network

              

                
Risk Factor
A lower-cost plan may still create employee dissatisfaction if doctors, specialists, or hospitals are out of network.

                
Solution
Network review helps identify plans that fit both the employer budget and the workforce’s access needs.

              

            

            

              
Renewal Timing

              

                
Risk Factor
Waiting too long before renewal or effective date can reduce available options and compress enrollment timelines.

                
Solution
Early timing review gives Bell & Lyons room to compare carriers, prepare enrollment, and avoid rushed decisions.

              

            

          

        

      

    

      

    

      
Explore Our Recent Group Health Insurance Guides & Articles

    

    

              
              
              
              
              
              
          

    

  

    

      
    

            
        
        
                
        
        
        







    
    
    
        




(function(){
  var WEBHOOK = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-webhook";
  var EMAIL_ENDPOINT = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-notify-full";
  var ZAPIER_ACORD = "https://hooks.zapier.com/hooks/catch/27012159/uvqfadw/";
  var IS_COMMERCIAL = window.location.pathname.indexOf('commercial') >= 0;

  /* Fix 1: Set the missing data-webhook attribute */
  document.querySelectorAll('[data-assistant-root]').forEach(function(r){
    if(!r.dataset.webhook) r.dataset.webhook = WEBHOOK;
  });

  /* Fix 2: Patch global postLead */
  var emailSent = false;
  var _orig = window.postLead;
  if(typeof _orig === 'function'){
    window.postLead = function(payload, target){
      var result = _orig(payload, target || WEBHOOK);
      window.__blLastLeadPayload = payload;
      if (!IS_COMMERCIAL && !emailSent) {
        emailSent = true;
        try {
          fetch(EMAIL_ENDPOINT, {
            method: 'POST',
            headers: { 'Content-Type': 'application/json' },
            body: JSON.stringify(payload)
          }).catch(function(){});
        } catch(e){}
      }
      return result;
    };
  }

  /* Fix 3: Track payloads from ALL lead-related fetch calls */
  var lastPayload = null;
  var origFetch = window.fetch;
  window.fetch = function(url, opts){
    if(typeof url === 'string' && opts && opts.method === 'POST'){
      // Catch WordPress lead-webhook calls
      if(url.indexOf('lead-webhook') !== -1){
        try {
          lastPayload = JSON.parse(opts.body);
          window.__blLastLeadPayload = lastPayload;
        } catch(e){}
      }
      // Catch Convex chatbot calls (necessary-curlew)
      if(url.indexOf('webhooks/lead') !== -1){
        try {
          var convexData = JSON.parse(opts.body);
          var contact = convexData.contact || {};
          var answers = convexData.answers || {};
          // Map Convex chatbot format to flat format
          var mapped = {
            business_name: answers.business_name || answers.company_name || contact.name || '',
            contact_name: contact.name || '',
            _contact_name: contact.name || '',
            contact_email: contact.email || '',
            _contact_email: contact.email || '',
            contact_phone: contact.phone || '',
            _contact_phone: contact.phone || '',
            address: answers.address || answers.business_address || '',
            coverage_needed: answers.coverage_needed || answers.insurance_type || convexData.insurance_type || '',
            entity_type: answers.entity_type || answers.business_type || '',
            nature_of_business: answers.nature_of_business || answers.industry || '',
            annual_revenue: answers.annual_revenue || answers.revenue || '',
            employees: answers.employees || answers.num_employees || '',
            years_in_business: answers.years_in_business || '',
            _raw_convex: convexData
          };
          lastPayload = mapped;
          window.__blLastLeadPayload = mapped;
          console.log('[BL-LEAD] Captured Convex chatbot data:', mapped.business_name);
        } catch(e){ console.warn('[BL-LEAD] Parse error:', e); }
      }
    }
    return origFetch.apply(this, arguments);
  };

  /* Fix 4: Completion observer — also sends to Zapier for commercial */
  document.querySelectorAll('[data-assistant-root]').forEach(function(root){
    var log = root.querySelector('.assistant-log');
    if(!log) return;
    var finalSent = false;
    new MutationObserver(function(){
      if(finalSent) return;
      if(!root.querySelector('.bl-confirmation-wrap')) return;
      finalSent = true;

      if(lastPayload){
        var final = Object.assign({}, lastPayload, {
          destination_email: lastPayload.destination_email || 'quotes@bellandlyons.com',
          quote_request_stage: 'completed_flow'
        });
        origFetch(WEBHOOK, {
          method: 'POST',
          headers: { 'Content-Type': 'application/json' },
          body: JSON.stringify(final)
        }).catch(function(){});

        if (!IS_COMMERCIAL && !emailSent) {
          emailSent = true;
          origFetch(EMAIL_ENDPOINT, {
            method: 'POST',
            headers: { 'Content-Type': 'application/json' },
            body: JSON.stringify(final)
          }).catch(function(){});
        }

        // For commercial page: send lead data + ACORD PDF links to Zapier
        if (IS_COMMERCIAL) {
          console.log('[BL-ACORD] Commercial lead completed — sending to Zapier');
          var lob = final.coverage_needed || '';
          var acordForms = ['125'];
          var lobLower = lob.toLowerCase();
          if (lobLower.indexOf('general') >= 0 || lobLower.indexOf('liability') >= 0) acordForms.push('126');
          if (lobLower.indexOf('worker') >= 0 || lobLower.indexOf('comp') >= 0) acordForms.push('130');
          if (lobLower.indexOf('auto') >= 0) acordForms.push('127');
          if (lobLower.indexOf('property') >= 0 || lobLower.indexOf('bop') >= 0) acordForms.push('140');

          var pdfBase = window.location.origin + '/wp-json/bell-lyons/v1/acord-pdf-proxy?form=';
          var zapierPayload = {
            business_name: final.business_name || '',
            contact_name: final.contact_name || final._contact_name || '',
            email: final.contact_email || final._contact_email || '',
            phone: final.contact_phone || final._contact_phone || '',
            address: final.address || '',
            lines_of_business: lob,
            entity_type: final.entity_type || '',
            annual_revenue: final.annual_revenue || '',
            employees: final.employees || '',
            subject: 'New ACORD Application — ' + (final.business_name || 'Commercial Lead'),
            pdf_url_1: pdfBase + acordForms[0],
            pdf_url_2: acordForms[1] ? pdfBase + acordForms[1] : '',
            pdf_url_3: acordForms[2] ? pdfBase + acordForms[2] : '',
            pdf_forms: acordForms.join(', '),
            num_forms: acordForms.length,
            timestamp: new Date().toISOString()
          };

          origFetch(ZAPIER_ACORD, {
            method: 'POST',
            headers: { 'Content-Type': 'application/json' },
            body: JSON.stringify(zapierPayload)
          }).then(function(r) {
            console.log('[BL-ACORD] Zapier response:', r.status);
          }).catch(function(e) {
            console.warn('[BL-ACORD] Zapier error:', e);
          });

          // Also trigger the ACORD form filler (snippet #21) via event
          window.dispatchEvent(new CustomEvent('bl-acord-trigger', { detail: final }));
        }
      }
    }).observe(log, { childList: true, subtree: true });
  });
})();













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