Cobra Health Message Board

We are not COBRA. For specific contract details about your current company policy, contact your health plan administrator.

Re: Individual/Small Business Coverage?

[ Private Medical Insurance ][ Follow Ups ] [ Post Followup ] [ Cobra Health Message Board ] [ FAQ ]

Posted by Agent on September 20, 2006 at 09:34:43:

In Reply to: Individual/Small Business Coverage? posted by regina on September 19, 2006 at 12:39:29:

Regina:

Typically there is no underwriting on group coverage, so if you insurer allowed a group of 3, you could possibly get the employee covered.

However, with a large amount of claims vs. a very small # of participants, the insurance carrier may raise your premiums, cancel nonrenew your plan since they could be losing substantially.

Group or corporate coverage is quite different in terms or the carriers flexibility in dropping coverage from individual policies.

Laws will vary from state to state. Talk to a local group health insurance agent.

Agent

: I am currently a one-woman small business. I plan to hire two or three employees over the next year and I need to know what effect it will have a one of the employees as a chronic condition as a result of breast cancer?
: Any guidance, informatoin is greatly appreciated!
: -r

Follow Ups:

Post a Followup

Name:
E-Mail:

Subject: Re: Re: Individual/Small Business Coverage?

Comments:
: Regina: : Typically there is no underwriting on group coverage, so if you insurer allowed a group of 3, you could possibly get the employee covered. : However, with a large amount of claims vs. a very small # of participants, the insurance carrier may raise your premiums, cancel nonrenew your plan since they could be losing substantially. : Group or corporate coverage is quite different in terms or the carriers flexibility in dropping coverage from individual policies. : Laws will vary from state to state. Talk to a local group health insurance agent. : Agent : : : I am currently a one-woman small business. I plan to hire two or three employees over the next year and I need to know what effect it will have a one of the employees as a chronic condition as a result of breast cancer? : : Any guidance, informatoin is greatly appreciated! : : -r

Optional Link URL:
Link Title:
Optional Image URL:

Please enter the characters in the image above.

[ Private Medical Insurance ][ Follow Ups ] [ Post Followup ] [ Cobra Health Message Board ] [ FAQ ]