Kaiser Permanente offers small group health insurance plans aimed at meeting the needs of your business. Kaiser Permanente Group Copayment Plans offer no medical deductibles and virtually no paperwork. Those covered in your business will have low cost office visits and prescription drug copayments. Plans include copayments for doctor visits, emergency, surgery, prescription drugs, etc.
All new membership is limited to those individuals who live or work within the Kaiser Permanente service area.
Your rates are locked in one year from your effective date. Kaiser Permanente small group plans are on a month to month basis. You may choose to cancel at any time.
It varies case by case. Subscribers who are concerned they may be denied for a pre-existing health condition will often opt for group coverage because there is no medical underwriting. However, in the case that you may qualify for either, we recommend you get quotes for both and compare the rates and coverage options.
NOTE: There are different plans and rates offered for groups and individuals, and groups of six or more subscribers qualify for additional savings.
You will need a minimum of 2 eligible individuals. Combinations may include 2 owners, 1 owner and 1 employee, husband and wife, etc.*
* Exceptions may apply.
There is a required minimum company contribution of 50 percent of the employee only rate for the under 30-age category. However, if the company offers an alternate competitor plan, it is required to be the equal dollar amount; whichever is greater. Any part of the cost not paid by the employer must be collected from the employees through payroll deduction.
You will need a minimum of 2 eligible individuals to qualify. Combinations may include 2 owners, 1 owner and 1 employee, husband and wife, etc.* Your group must have between 2 and 50 subscribers to qualify for a small group plan.
* Exceptions may apply.
Group coverage begins the 1st of each month. Documents must be received prior to the date of coverage in order for underwriting to process enrollment. If paperwork is received the week prior to the month of coverage there is a possibility of this coverage being delayed.
Small group policies are issued automatically upon submission of all correct documentation. This process may take up to two weeks or less, depending upon volume. No medical underwriting is required.
Please call one of our small group specialists at 1-800-569-1156 or e-mail us at dennisa@hcisinc.com.
