Tips_G

Netcare Benefits Group

Tips how to find great

Health

Insurance

for

mall

and

arge

groups

tting Favorable Rates

Approximately 25% of small businesses that

apply

for

group health

insurance

receive the

lowest "most

favorable"

rates.

Would your company qualify for group

health rates

in the

"most

favorable"

range?

It depends on

various factors -- the

primary

factor being the health

status of employees

and

their

dependents. Other

underwriting

considerations

include the total

number of

enrolling employees and the

proportion

enrolling

employees to eligible employees.

For example, a 20 employee group may get a better

underwriting

outcome

than will a 3 employee

group. A

group with 90%

employee participation

usually does better,

other factors being

equal, than a

group with 50%

employee

participation.

Also, we'd like to point out that agents who anticipate

underwriting issues and submit complete paperwork to

health insurance companies sometimes get better rate

results than those achieved by brokers who are less

effective

in dealing with insurance company submission

requirements.

In addition, working with an experienced group health

insurance professional can make an important difference

in speeding up the application process and minimizing

the hassle you have to endure to get the right group health

insurance plan in place

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