Group Insurance

Get Medical, Dental, Vision, and Life insurance Quotes, Within 5 Minutes!

Our specialized group insurance website can get quotes to you in just a few minutes. All that is required are the ages and ZIP codes of the employees. These factors determine the rates. Once you have that information, visit our online quoting site. Our customized software will lead you through the quoting process. Once you have entered the infomration, the quotes will be available to you immediately. No delays, no tricks, and no hidden agendas. You will receive quotes from Anthem Blue Cross, Aetna, Blue Shield, California Choice, CIGNA, Health Net, Kaiser Permanente, PacifiCare, United HealthCare, and more.

 

Frequently Asked Questions About Group Insurance Coverage

  • Get Medical, Dental, Vision, and Life insurance Quotes, Within 5 Minutes!
    • Our specialized group insurance website can get quotes to you in just a few minutes. All that is required are the ages and ZIP codes of the employees. These factors determine the rates. Once you have that information, visit our online quoting site. Our customized software will lead you through the quoting process. Once you have entered the infomration, the quotes will be available to you immediately. No delays, no tricks, and no hidden agendas. You will receive quotes from Anthem Blue Cross, Aetna, Blue Shield, California Choice, CIGNA, Health Net, Kaiser Permanente, PacifiCare, United HealthCare, and more.
  • What is Group Medical Insurance?
    • Group medical coverage refers to a single policy issued to a group (typically, a business with employees) that covers all eligible employees and, often, their dependents. On the other hand, Individual medical insurance is a single policy issued to a single person or family. 
  • What is the main difference between Group and Individual Insurance?
    • The rules are different for group coverage versus individual coverage, in large part because the insurer's risk is calculated differently. With individual coverage, the insurance carrier will base its premium rates based on the detailed medical history of the person or family, the insurance carrier can also deny coverage. The insurance carrier will request medical records and a medical exam is often required. However, there is no guarantee of coverage. With group coverage (small businesses), the insurance carrier determines a premium price based on risk factors balanced over the entire group, using general information on members of the group, such as age and or gender. Perhaps most importantly, insurers are required by law to offer coverage to small groups. 
  • Is Group Insurance Required?
    • There is no law requiring employers to offer employees and/or their dependents medical insurance. However, if you (the employer) do offer coverage, you will be subject to rules and guidelines of coverage, the most important of which we explain at this site.
  • Is Your Business Eligible for Group Coverage?
    • Under California Law AB1672, small employers are considered to be guaranteed group coverage should they choose to purchase the coverage, regardless of the employees health status.
    • small group is defined as a business with 2 to 50 full-time employees. Owners are generally counted as employees, so sole proprietorships with one employee fall into this category, as do partnerships without any employees (by definition partnerships have two or more partners).
    • California State Law AB1672 says that small employers cannot be denied coverage as long as they:
      • Have been in business longer than two months.
      • Offer medical insurance coverage to all eligible full-time employees (working 30 hrs or more per week).
      • Comply with insurer requirements regarding employer contribution and employee participation.
      • Pay their premiums.
  • Who Is Eligible for Coverage?
    • The general rule is that if an employer offers group health coverage to any full-time employees, the employer must offer coverage to all full-time employees (defined as working 30 or more hours per week). As for part-time employees (defined as those working 20 to 29 hours per week), the employer has the option of whether to offer coverage to them. If the employer offers coverage to any part-time employees, all of them must be offered the coverage. 
    • These rules apply regardless of the medical condition of the employees. In addition, any dependents of eligible employees are also generally eligible for coverage under a group plan. Dependents include spouse, children, and in some cases, an unmarried domestic partner. Dependents cannot enroll for coverage unless the employee enrolls.
  • What Do Employers Have to Pay?
    • Most insurance carriers require employers to pay at least half of the premium cost for covered employees. This requirement is meant to encourage more employees to join the plan, and prevent what's known as adverse selection where only those prone to sickness are motivated to sign up, creating a much higher-risk group for the insurer. Some employers choose to pay the entire premium; others require employees to pay a portion up to 50 percent) of their premium plus the dependent cost (if they wish to cover any of their dependents). Employers have no obligation to pay for premiums for dependents. In other words, employers may contribute towards premiums for dependents at their discretion, but can require employees to pay for the full premium cost for covering their dependents.
  • Download Your Group Medical Insurance Enrollment Forms
    • If you are ready to enroll you can download enrollment forms here. It is easy to complete the forms and you can submit them to us via fax, mail, or email. We will review them and contact you with the enrollment/underwriting status.
    • Get enrollment materials for Aetna, Anthem Blue Cross, Blue Shield, California Choice, CIGNA, Health Net, Kaiser Permanente, PacifiCare or United HealthCare by visiting our online quoting site, www.kdionline.com.