Insurance FAQ
 

What Are The Requirements That A Small Business Needs To Meet To Get Group Health Insurance Rates?

I own a small business and would like to give my employees more benefit options. I've tried to research insurance plans online, but every insurance site just wants me to call in to find out. Do any of you know? Are group health insurance rates a lot cheaper than regular rates?


Answer: The larger the group the cheaper the rates because they can spread the risk. If you have a professional Association they might offer group plans. You need at least 10 employees to participate in most places otherwise. The rate will be a little high but it benefits employees that might not be able to get insurance otherwise. IE preexisting conditions (cancer,kidney disease,etc). Good luck.
 
 

Is There An Organization I Can Join To Get Group Health Insurance Rates?

I am going to end my employer health insurance coverage if I can find a better one. Are there any associations or organizations one can join that provide members a way to join a group health insurance plan? I'm thinking of organizations like art organizations, or professional organizations.


Answer: "Group" policies through associations and the like are a marketing gimmick designed to make the average consumer think they are getting a deal. The premium for these plans are either the same as a regular individual policy or the benefits are cut to allow a lower premium. Any savings I've ever seen are more than made up by the dues of the association. The plans are individually underwritten so you can be denied or the rates increased base on your health.

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Can An Individual Business Owner Get Group Rate Health Insurance Rates For A Single Person?

Can they join an association to get a group rate or can they only buy individual coverage?


Answer: Contact your local Chamber of Commerce. They have group rates for their members.

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Is There A Way For Individuals To Purchase Health Insurance At Group Rates?



Answer: See if you can go through your work., even if you can get a representative to come to your work for a meeting you may be able to get a discounted rate that way. Or try getting your property and health insurance from the same people and get a group rate. Or try asking if you had a group of people (family and friends) interested would they give you all a group rate if so many signed up withing 3 mnths.

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What Associations Offer Group Health Insurance?

Hi! I am trying to find health insurance at group rates. I would like to be an independent insurance agent. Does anyone know of any kind of associations or anything that I could join to have access to group health insurance? (I live in Alabama)


Answer: Assocations used to do group coverage, but it didn't work out - the only people who joined were the ones that couldn't get private insurance cheaper - in other words, the really unhealthy ones. The rates got really really high, and more people dropped out, etc. Bad spiral.

So you can't join an association to get a "group" rate. The association health policies are STILL all individually underwritten and rated.

Being an insurance agent is different. NO ONE is going to give you an appointment, if you're green. You'll have to go on under another agent, or work directly for a carrier. Go to your state insurance department website for information.

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Choose the Best Florida Health Insurance Rates at Plan Rover ...

The reason why you need to do this is that insurance rates differ from one insurance group to another. When you choose to find insurance coverage policies over the web, you can look into online directories of insurance companies. If you want to purchase Florida group health insurance, the state can offer you a government-ran directory. If you are searching for Florida health insurance coverage, there are several strategies which you can employ. Through this directory, you will get to compare the insurance rates of different companies. Experts suggest that you should obtain several quotes, the least which is 3, if you want to make sure that you are buying affordable health insurance. Your last option would be to check out online insurance groups. When you opt for the latter strategy, it will be easy for you to search for a company which sells affordable insurance coverage for the whole family. You will be able to look for background details or info on insurance companies operating......

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