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Group Insurance for a small Business I'm expecting to move to US and start a business in a year or so and would have at least one partner employee to help me out in the beginning. I'm planning to purchase a group insurance for medical and prescription for this small group of two employees (size is expected to grow over time!). I'm aware that my partner in this operation has a pre-existing medical condition. So would my company qualify for this group medical insurance with two employee families and expenses for pre-existing condition be covered? Thanks for your input:)
That really depends upon what state you would be located in. Whether it is a group insurance or individual insurance, insurance companies look at whether they would benefit from getting your business or not. If giving insurance to your group is going to be overall profitable for them, they would give insurance. Otherwise, they wouldn't. In certain states, they can't reject groups but the premiums may be so high that you can't practically afford to pay the premiums.
Is Texas one of the states where insurance providers can't decline group coverage? If not, what states are included in this...just for my knowledge. Thanks for answering this!
From what I know, in Texas, group health insurance coverage can't be declined. And insurance company can charge as much as 67% extra premium compared to regular premium.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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