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 are pre-paid services. As a result, you will be paying your premiums at the end of the month for the upcoming month’s coverage. Your invoice will be ready on or around the 10th of each month for viewing. We mail or email your insurance invoice on the 10th of each month, and the payment is due prior to the 28th of each month.

Tips to keep your insurance coverage in good standing:

• You are able to participate in this insurance program by maintaining your membership with SBAM. Please keep your membership dues in good standing.
•  The membership dues invoice will come directly from SBAM’s office in Lansing on an annual basis unless you chose to pay your dues monthly. If you select to pay your dues monthly, you can choose to have the amount included on your premium invoice or auto-drafted from your credit card.
•  Pay your premium amount in full prior to the 28th of each month. Insurance carriers require you to pay the full amount listed on your invoice.
•  Premiums must be received prior to the coverage period to cover the cost of your subscribers’ claims. Because the premium payment is processed automatically, you’ll be at risk of having your coverage canceled if the amount paid is less than the amount owed on the invoice. 
• Any applicable back charges or credits will appear 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 If you choose this payment method, the premium amount due will be withdrawn directly from your checking or savings account on the 28th of each month.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 HarmonyBill@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: HarmonyBill@sbam.org 

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

Online: sbamharmony.freshdesk.com