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  760.212.4312 mary_eblen

 

Call or email me directly for an individual consultation or quotes, or to apply for health, dental and vision insurance.

Business Options

business_employer_health_insurancelSmall Group/Business health insurance only requires two people to be considered a “small group.” Group/Business insurance can also cover dependents of the owner and/or employees of the business without underwriting for pre-existing conditions.

Small Group/Business health insurance does not require each individual in the group to go through an underwriting process. This means that all applicants will be covered regardless of any pre-existing medical conditions and cannot be declined for coverage. If a member does have a pre-existing condition and has had a lapse in health insurance coverage, the new small group policy may exclude any treatment costs to treat the pre-existing condition for 6 months.

A small group could be a sole-proprietor with one or more employee/s on payroll, a partnership, an LLC or Corporation with a minimum of two officers or more. This allows even the smallest business to have health insurance coverage regardless of any pre-existing condition.

The premiums for group health insurance policies are higher than individual health insurance for just this reason: the health insurance company knows they might be paying out higher medical costs as they must accept all applicants, regardless of the good or bad health.

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Mary Eblen has been assisting individuals, families, businesses and seniors with their health, dental and vision insurance needs for more than ten years.

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