Buying Tips For Group Health Insurance:

When Getting Group Health Insurance:

Remember, because the group health insurance plans are guaranteed issue, there are higher premiums.
Group health insurance cost are charged to the employer, with employees paying a small percentage.
Group health plans are usually non portable when you leave
Occasionally, group health insurance carriers cancel or non renew a group health plan.
There usually is no medical exam or qualifion with group health insurance.
There is shorter underwriting, with distribution of a company survey.
With most employers who have over 20 employees, you can continue group benefits under COBRA for 18 months after termination
Higher premiums usually offset by employer contribution
Increased premiums for group plans are spread out over larger number of people.
For group health insurance, you need to have at least two or more employees
Group plan members usually have to work at least 30+ hours per week.
Companies have to self administer the plan or hire a third party adminstrator.

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