It is no secret that finding affordable health coverage for small business owners can be difficult. We are constantly challenged with finding coverage for companies that need reliable coverage but at an affordable price. In addition, pre-existing conditions can cause delays in coverage and higher rates. Fortunately, the market place is competitive and there are several programs and companies that offer comprehensive coverage and affordable prices and it's our job to find the right program for you.
Group Coverage: Group coverage is the most comprehensive health insurance that's available and as a result is the most expensive. Employers are typically requried to pay a minimum of 50% of the premium and there must be at least 75% particpation among employees. In group coverage, employees can choose to insure themelves, employee + children, or family. The average group cost for an employee only is $400/month, an employee + children $700/mo and, family $1200/month.
How To Qualify for Group Coverage: It is actually very easy to qualify for group health coverage.Sole Proprietors, Limited Liability Companies and Corporations are all eligible for group coverage provided there is a legal organization of the company and there are at least two employees.The second employee can be a spouse. This is a tremendous opportunity for those seeking individual coverage due to pre-existing conditions. As soon as a business becomes a legal entity its owners and employees can apply for group coverage.A business can qualify even if it doesn’t have any revenue or assets. How To Apply for Group Coverage: Simply call or email us your desire to obtain group coverage and we will email you a census and an application to complete.We will then forward your information to the companies that we represent and they will reply back with health quotes for you to review.The process takes approximately 5-10 business days and coverage can begin immediately.