Health & Dental Plans > 51+ Employees

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Health Plans for 51+ Employees

 

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How do I enroll my employer group?

Your employees are unique and so are their healthcare needs. Contact us to discuss the next steps and for enrollment assistance.

Do plans include dental benefits?

Health plans do not include dental benefits. However, we do offer group dental plans. Groups may choose either the Rider or Freestanding option.

  • Rider – Employees must have a health plan and at least 25% (minimum of 2 employees) will have dental benefits. With this option, employees cannot choose single health and family dental or vice versa.
  • Freestanding – Employees can choose between single or family coverage. With this option, employers may contribute between 0% and 100% of the single rate for all eligible employees.

How are late enrollments handled?

Employees who do not sign up at the time of initial enrollment must wait until your group's open enrollment period. They will have an 18-month waiting period for pre-existing conditions unless they have creditable coverage.

How soon can my coverage begin?

Once we receive your signed contracts, completed employee applications and first month's premium, it takes approximately 7-10 business days to add your group to our system.

What is mental health parity?

The Mental Health Parity Act requires employers who have 50 or more employees and offer mental health and/or substance abuse benefits to make sure limitations on those benefits are not more restrictive than limitations for medical/surgical services.

How do I pay my employer group's premium?

You may pay online or by check.

What is healthcare reform?

The Patient Protection and Affordable Care Act was signed on March 23, 2010. The Health Care and Education Reconciliation Act was signed on March 30, 2010. These two laws are more commonly known as "healthcare reform." Healthcare reform changes how the private insurance market provides healthcare coverage for individuals, families and businesses. While some changes required by the law have already been made, many others will be phased in over time.

For plan years beginning on or after October 1, 2010, group health plans must comply with certain healthcare reform requirements. Health plans are classified as a grandfathered or non-grandfathered plan based on the plan design and any plan changes made since October 1, 2010.

For more information about healthcare reform and the classification of plans, visit our healthcare reform site.

Is there a minimum requirement for employee Health participation?

A minimum of 75% of all eligible employees must be enrolled and maintained at 75% at all times to keep the Plan in effect. 75% of employees eligible for Family Coverage must be enrolled for Family Coverage. Please contact us for additional assistance.