| MEDICAL AND/OR DENTAL GROUPS PLEASE GO TO PAGE BOTTOM AND CLICK TO COMPLETE CENSUS. WE WILL REPLY. |
| THE FOLLOWING IS INFORMATIONAL FOR GROUP EMPLOYERS. YOU WILL HAVE AN OPPORTUNITY TO FILL OUT YOUR GROUP CENSUS BY CLICKING AT THE BOTTOM OF THIS PAGE. PLEASE READ THIS INFORMATION. |
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| IF YOU ALREADY UNDERSTAND THE RULES OF SMALL GROUP IN FLORIDA GO TO THE BOTTOM AND CLICK ON THE "CENSUS" BUTTON All Employees who work 25 hours per week or more MUST be included on your Group Census The Employer MUST contribute a minimum of 50% of the “Employee Only” premium with most Carriers Participation Requirements: 75% of all Employees working 25 hours or more per week MUST take the Group Insurance, or prove “other coverage” in effect. Those Employees who have other Health Insurance in place through their spouse or on another Individual Plan may Waive coverage on the Small Group Plan, without hurting your Group’s Participation Requirement. Proof of other coverage is required. Small Group means a Group of 2 through 50 Employees. Some Carriers will “Composite Rate” small group rates if the group is 10 Employees or more. Other Carriers require 15 or 20 Employees to “Composite Rate”. Groups with under 10 Employees will be “Age Rated” individually with ALL Carriers. Composite Rating means that the Carrier arrives at an Average Age for the group, and all employees are rated at the average age, resulting in all Employees paying the exact same rate. Rate Ups (rates above Standard Rates) are possible in Florida. Serious medical conditions within a Group can result in the Group being “Rated Up” from 1% to a maximum of 15% above Standard Rates. Groups of 10 or more are not rated up with certain Carriers as a new Group, but claims might affect Renewal Rates. Small Group Insurance is “GUARANTEED ISSUE” in Florida regardless of medical conditions. If the group meets Participation and Contribution rules, the Group will be offered insurance. Under MOST conditions, those Employees who have insurance or have had prior insurance, either Group or Individual, will have no Pre-Existing Waiting Period on any condition, disease or illness. GROUPS OF ONE- One open enrollment period per year in August for an October 1st effective date. Must prove earned income consistent with full time employment. One life groups may be rated at + 25% of Standard Rates, and usually are. One Life groups will be offered only Florida Standard & Basic Plan. Group Dental, Life, Vision and Disability Insurances are also offered "Guaranteed Issue. We have several wonderful Group Dental Plans offering the use of ANY DENTIST. Group Life Insurance is not only "Guaranteed Issue", but the rates are excellent. Group Disability is also unbelievably inexpensive. Most of these ancillary products are geared toward Groups of 10 or more. However, some Carriers offer these to Groups of 2 and up, and a few offer to Groups of 5 or more. CLICK HERE TO COMPLETE A CENSUS FOR YOUR GROUP |
| THE MALONE AGENCY 1-800-239-7553 SMALL GROUP INFORMATION FLORIDA Small Group is Guaranteed Issue Regardless of Medical History WE CAN HELP YOU WITH QUESTIONS REGARDING FLORIDA SMALL GROUP HEALTH INSURANCE STATUTES & REGULATIONS. PLEASE CALL US AT 1-800-239-7553 |
| Or call us at 1-800-239-7553 to discuss your particular situation |