ISSUING CARRIERS
POLICY FEATURES
AND TERMS
GENERAL UNDERWRITING
GUIDELINES
RATE STABILIZATION OPTION
CLAIMS ADMINISTRATION
GENERAL ADMINISTRATION
GUIDELINES
MANAGED CARE
INITIATIVE
PROGRAM

 

 
   
  • Medical Conversion is available in most states

  • Minimum group size is 50 covered employees (varies by state based upon Small Group Reform laws)

  • Life Insurance is optional

  • "Actively at work" requirements are waived subject to a claims disclosure report

  • Extensive accepted industry list including municipalities, schools, hospitals, physicians, and trucking firms

  • Minimum participation is 75% of eligible employees and 50% of eligible dependents

  • Will accept HMO penetration

  • Maximum 10% COBRA and 10% non-Medicare primary retirees