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Kaiser Permanente Group Health Insurance
Kaiser Permanente for Business is the leading provider of quality, affordable group health insurance in the USA. Get quotes in two minutes by filling out a short online form. Find the right medical coverage for your company at the right price. Enter your zip code and click "Get Quotes" to view rates on Kaiser Permanente Health Insurance.
- Most affordable Kaiser group quotes available!
- Rates lock in for 1 year!
- Coverage begins the 1st of the month!
- Pay month to month and cancel at any time!
- Remove employees during the year as needed!
- Add employees during the year, as they become eligible.
- No denials for pre-existing health conditions!
How will I receive my business health insurance quotes?
Fill out a short online form to get health insurance quotes. In some states, business medical insurance rates can be viewed online, while in other states you receive your rates by email once your request is processed. Employer contribution amounts are set by the company, but must meet the minimum requirements of your state.
Is my group eligible?
Most states and carriers require at least two people to be working at the company to qualify for business health insurance. Husband-wife groups often qualify, but both of their names need to be on the business license or other company documents. There are some cases where you can get small group health insurance coverage with only one person on the plan. Some states offer coverage with only one covered member provided that there is another employee who has group coverage elsewhere. Medicare coverage is counted as business medical insurance. Companies with 51 or more employees qualify for large group health insurance coverage. For more information on eligibility, click here.
Which employees are eligible?
Group health insurance carriers and state legislatures are looking for what is termed an "employer/employee relationship" to determine which employees qualify to be on your small business medical insurance. Contract employees and 1099 employees are often deemed ineligible. In some states however, 1099 employees may qualify for business health insurance as long as they make up less than a certain percentage of your group and are contracted solely or mostly with your company. Exceptions usually apply for small business proprietors, partners and corporate officers. Employees usually must work at least 20 to 30 hours per week and be on payroll to be eligible for group health coverage with your company. Check with your agent or broker before requesting quotes for 1099 employees.
Can we be denied?
If your business qualifies for group health insurance, there are no denials for health reasons. Often, there are no medical questionnaires. However, in certain cases rate adjustments may apply. In some states, underwriters are used to evaluate business health insurance quote requests and may rate up a group that has certain pre-existing health conditions. To "rate up" means to increase prices above the standard norm.
Why do some providers do rate-ups?
Some states allow rating up and some do not. If your state allows group health insurance companies to do rate ups, then you will most likely not be able to view your quotes online and if you request rates to be sent to you, it may take one day to several days to process your request. In states where rate-ups are allowed, all carriers are usually forced to increase rates for small businesses with more serious pre-existing medical conditions in order to compete with other providers.
Available Group Medical Insurance Carriers
As an employer, you have many options when it comes to getting business health insurance quotes. We recommend getting rates from multiple providers so you can compare and contrast various pricing and benefit structures and find the right coverage for your small group. Top rated carriers include the following:
- Aetna
- Anthem
- Blue Cross/Blue Shield
- Cigna
- Health Net
- Kaiser Permanente
- United Health Care
- PacifiCare
- Western Health Advantage
