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| *Women health>>>Health Insurance |
Can health insurance brokers put there own group of people together for a better price.? |
Someone told me to find a health insurance broker since i have none. And that they put groups of people together who needs it for like a group rate. IF this is so and you have more info with a web site please let me know. my benefitsplus.com ask me to key in a number and when i key it in it still will not let me go any furher You can't do that any more - put non-related groups together, and get a lower rate. That's because the higher risk people did it, which increased the claims of the group, which increased the pricing, which made the lower risk people drop out, which increased the percentage of less healthy people, which increased the claims of the group, etc. Yep, if you are putting together a group only for the sake of getting health insurance, then that is considered to fraudulent by the insurance companies. They will ask a lot of questions to make sure this is not occurring. You are better off shopping for an individual health insurance plan. Most states have laws that prohibit anyone from forming a group solely for the reason for wanting to get a group health insurance plan. Group insurance costs more than individual insurance so the answer to your question is "No they can't" and "no, you wouldn't want to." Group insurance has quicker and more lax underwriting, but they charge more since they're taking on more risk by doing so. No. "Group insurance" is really a misnomer. It is really "employer sponsored health insurance". There are lot's rules governing eligibility. See link below. Like in your situation,I would like to advise you have a look here.http://health-insurance.expert-tip.info/... |
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