SBAM Consolidated Billing - One Bill - One Payment

Billing & Enrollment FAQs

When will I be billed for my insurance premiums? Health, Dental, Vision, Life, and Disability insurance coverage require pre-payment. Consequently, you'll be billed at the end of the month for the following month's coverage. Your invoice will be available for viewing around the 10th of each month. We will send your invoice via mail or email on the 10th, and payment is due by the 28th of each month.

Tips to keep your insurance coverage in good standing:

• To participate in this insurance program, please ensure your membership with SBAM is current by maintaining your membership dues in good standing. 
• Your membership dues invoice will be sent annually from SBAM’s office in Lansing unless you opt for monthly payments. For monthly payments, you can include the amount on your premium invoice or have it auto-drafted from your credit card.
• To maintain your insurance coverage in good standing, make sure to pay the full insurance premium by the 28th of each month. The amount required is specified on your invoice.
• Your premiums must be received before the coverage period to ensure your subscribers' claims are covered. Automatic payment processing means your coverage could be canceled if the amount paid is less than what's owed.
• Any applicable back charges or credits will be reflected on your next month's invoice.
• Make your check payable to SBIS (Small Business Insurance Services) and mail it to the address provided on the statement: PO Box 19166, Kalamazoo, Michigan 49019-9810.

Is there an Electronic Payment Plan available? 

Yes, SBIS does offer an Electronic Funds Transfer (EFT) payment plan. If you choose this payment method, the premium amount due will be withdrawn directly from your checking or savings account on the 28th of each month. 

To sign up, please complete the Authorization Agreement for Direct Payment (ACH Debits) form posted at sbam.org and submit it to MemberCare@sbam.org or call us at 877-949-7226. 

When do I submit enrollment changes such as a new hire or termination? 

It is best to do this immediately upon occurrence. Doing so will help keep your insurance premium invoice as accurate as possible. While you have up to 31 days after the qualifying life event to report the enrollment changes to us, it is best to send them to us as soon as possible. Types of qualifying events include: s at (877) 949-7226.

• New employee hired 
• Employee change of address 
• Employee termination 
• Divorce
• Dependents added or removed
• Death

Due to the Health Insurance Portability and Accountability Act of 1996 (HIPAA) regulations, enrollment changes can only be accepted by encrypted email or standard mail on an Enrollment Change of Status (ECOS) form.

Email: MemberCare@sbam.org

Mail: 101 S. Washington Square, Suite 900, Lansing, MI 48933 

Online: sbamharmony.freshdesk.com