How Do You Qualify for Group Health Insurance?

Since group health insurance is primarily to offer coverage to employees, businesses only qualify for group health insurance if they have eligible employees. Namely, full time employees aside from the owner, business type, employee status and health plan participation from employees. 

For example, if you have a workforce of twenty full time employees but none of them are insured under group health insurance, you may no longer qualify for this policy. 

Firstly, your company must be recognized as a legal business in your state of operation. A small business should have between 1 and 50 employees who are not the business owner or spouse of the business owner. 

Second, you must have at least one employee that is considered full time or full time equivalent. Full time is generally considered 30 hours a week or more worked for your company. For example, if you only have a single part time employee that works 15-20 hours a week, you may not qualify for group health insurance. This also applies to unpaid interns, temporary part time positions and seasonal positions. If you have consistent seasonal employees that work full time, you could qualify for group health insurance, however. 

If you have any questions about qualifying for group health insurance, be sure to shop around and ask an insurance agent about your options. 

How to Get Group Health Insurance 
When looking for group health insurance for your employees, be sure to compare quotes among multiple insurers and be prepared to answer questions. You will need to provide information such as: 

Insurance providers will generally go over your credit score and claims history to calculate your group health insurance rates. Group health insurance should be relatively affordable for employers, although premiums vary depending on your location, insurer, coverage limits, payroll and other factors. Speak with an insurance agent about saving money on group health insurance for your employees. 

What Does Group Health Insurance Cover? 
Group health insurance should cover employees, their spouses and their families for healthcare costs. This should include: 

Employers have also started offering additional vision and dental coverage, as these are not covered under most basic health insurance policies. Offering coverage other employers don’t can help draw and keep key employees at your business.