Compare Group Health Insurance Policies
ComparePolicies.com helps businesses learn about affordable group health insurance options, compare group health plans, and install business health insurance policies. As your direct point of contact, your dedicated agent's role is to help you select, install, and manage the best group health plan for your organization, while minimizing your time and cost investment. From a single application, we prepare multiple group health quotes on cost-effective group health insurance plans from our partner network of group health companies and carriers, including:
- Aetna
- Aflac
- Allied Benefits
- Allstate
- Assurant
- Blue Cross Blue Shield
- Chubb
- Cigna
- Concert Health
- Envision Insurance Services
- Humana
- Great-West
- Guardian
- John Alden
- Kaiser Permanente
- Midwest Security
- Pacificare
- Principal
- Transamerica
- Trustmark
- Unicare
- United Healthcare
Your agent discusses with you one-on-one the group health rates available to you, and the pros and cons of each group health plan quoted. We work with businesses of all sizes in every industry sector, and specialize in helping organizations choose best-fit, affordable group health insurance.
Install & Manage Business Health Insurance
After you choose a plan, we also take on the role of group health administrators, simplifying the process of installment, enrollment, and management. First, your agent meets with the underwriter(s) in person to have the group underwritten, then further lessens the burden on you by taking over the complex and time-consuming process of employee enrollment.
Once your group health insurance is in place, we provide ongoing support, advice, and assistance to help you manage your group health plan with a minimum amount of effort. Our licensed staff handles a variety of tasks for you, including claims processing, benefits administration, plan maintenance, claim disputes, and more.
Maintain Group Health Plan Compliance
ComparePolicies.com also monitors and keeps you informed of changes to insurance legislation that may affect your business. Because group health insurance is regulated at the state level of government, laws regarding group health plans can vary significantly from state to state. Additionally, there are also federal guidelines governing group health insurance plans and administration, impacting compliance requirements. To add a further level of complexity, legislation regarding premium rates and issuance of coverage can differ between small groups (50 employees or less) and large groups (more than 50 employees).
Small Group Health Insurance
In order to obtain a small group health insurance plan, all employees must provide health information about themselves and any family members to be covered in their application. Insurance companies then use this medical information to determine group health rates. At times, the carrier will request additional information from an applicant’s physician or the applicant him/herself in order to accurately evaluate the risk of a particular applicant. If this information cannot be obtained, the assumption relative to the missing information will be negative rather than positive.
Large Group Health Insurance
On the other hand, large group health insurance is medically underwritten at the time of purchase, and employees are not usually asked to provide health information prior to obtaining coverage. Large group health rates are based on employee participation and prior claims experience. If an insurance company issues a policy to a large group employer, all eligible employees must be issued coverage—no individual employee who is eligible for benefits can be excluded from large group coverage based on medical history. However, large group health insurance contracts do not have to be offered on a guaranteed issue basis, so an entire large group could be rejected based on its claim history in past years.
ComparePolicies.com specializes in helping clients maintain compliant group health insurance plans, in accordance with both state and federal law. We continually monitor industry trends and changes in legislation that could impact our clients, and help them adjust group health plans as needed to maintain compliance.
Get Health Insurance Quotes
To get your customized group health quotes on group health insurance plans from multiple carriers, call us at 1-877-720-9595 or submit an online group health insurance quote request below. An experienced group health insurance specialist will be in touch with you soon to help you compare, select, and install the best group health plan for your business.
Request Group Health Insurance Quotes
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