Underwriting Requirements
If you wish to receive a group health quote for your company, you will need to contact a Group Representative in the Marketing department. You will be asked to supply us with the following information:

• Name of company
• Industry or nature of business
• Address of company
• County where company is located
• Information about any previous coverage
• Census of entire group, including waivers & part time employees.
• Age or date of birth for each employee.
• Gender of each employee
• Status of each employee (i.e., single, employee + spouse, employee + child(ren), employee + spouse + child(ren), part time employee, or any waivers of coverage)

General Requirements

• Group must meet 75% participation to receive a group quote.
• Initial rates are subscriber rates and are based only on the census of the company; they are not final rates for the group.
• Medical statements are required to be completed in full with all signatures for all employees and their spouses. Each employee, being full time, part time, or waivers, needs to complete a medical statement.
• Medical statements are reviewed to determine the risk associated with a particular group.
• Final rates are determined based on the evaluations of the medical underwriting review (PPO only).
• The employer must determine what contribution amount they want to pay for employee coverage, and what amount the employees must pay. If the employer pays the entire premium for their employees (non-contributory), then all employees must join the plan.