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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.


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


Health Insurance | Mary Eblen, PO Box 231386, Encinitas CA 92024 | 760.212.4312

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