Group Health & Benefits - Requirements

The following are some of the things to consider when choosing a group plan. Please call us at (770) 934-2665 if you have any questions, and our specialists would be glad to help you.

Group Eligibility Requirements

• You must have a minimum of 2 employees or owners to qualify for a group health plan.
• To verify that you have eligible employees, you will need to provide a copy of your most recent State Quarterly Wage Report, known as a DOL-4. If you are not familiar with this report, give us a call and one of our representatives will discuss alternative documentation.
• Minimum employer contribution must be at least 50% of the employee only premium. There is no requirement to contribute to the premium for dependents.
• 75% of all eligible employees must enroll under the group plan. If an employee is already covered under another group health plan, they are not considered in the 75% minimum eligibility factor.
• Rates will vary based on the size of your group, age of employees, overall healthiness of employees, SIC code, and geographical location.
• Most insurance carriers consider full time as employees who work 30-35+ hours per week.
• No employee may be denied coverage due to pre-existing condition on group health plans.
• Insurance carriers will allow dual and triple options, providing flexibility to the employee.