Due to Health Care Reform, many insurance companies NO LONGER require employees to answer any medical questions to qualify for insurance coverage. But you may have to pay higher premiums because of this. But some health insurance plans CAN still require that the employees & dependents provide details about their medical histories & conditions- in order to properly evaluate any potential clients, and the insurance companies can generally offer lower premiums for groups that qualify.
Most insurance agents just run lots of quotes for group health insurance plans and if something looks good- the employer then has to have their employees apply for coverage- including providing their medical histories. But sometimes the disclosed medical histories cause the insurance companies to raise their prices to the point where it is no longer as attractive as originally illustrated.
We like to do it differently...
Using our Online Enrollment System- employees fill out one simple confidential web-based insurance application form, including listing their medical histories, and their information automatically populates an unlimited number of insurance carrier applications.
Employee data is stored securely and forwarded to our insurance companies- who evaluate the medical histories up front, and then present you with FIRM RATE OFFERS.
If you like what you see and wish to set up this insurance coverage- we can then set up the selected insurance plans at the prices quoted- these are firm rate offers! No misunderstandings or unexpected rate changes after the fact.