The Process of Getting Group Health Insurance Quotes

In an effort to recruit and retain quality workers, many small businesses offer group health insurance benefits. As with other types of health insurance, obtaining group health insurance quotes can be easily accomplished online. Since group plans cover multiple individuals and families, the process requires more information; however, in terms of convenience and efficiency, nothing can compete with using the Internet for your group health insurance needs.

There are several online health insurance brokers from which you can choose. Here at LearningAboutHealthInsurance.com, we recommend eHealthInsurance . Their staff of dozens of licensed agents will work with you to help you find the right group health insurance plans at the right price – all at no cost to you. They only deal with health insurance, so you can feel confidant that they really know their business.

The process of obtaining a group health insurance quote is straightforward. First, you will need to provide some basic information such as your zip code, company information such as the year in which it was created and line of business – typically with a Standard Industry Classification (SIC) code - the date you want the plan to take effect, and how many employees will be covered.

The next step in the process is to provide some employee information. Although the specifics may vary from one site to another, this generally includes name (although eHealthInsurance requires only initials), sex, and age. Also required for each employee is whether any spouse or children will need coverage.

The next step allows you to specify your plan requirements. For example, do you want maternity benefits? What level of deductibles is desired? What sort of add-ons, such as dental coverage, would you like to include?

Of course, as you add benefits, you add to the cost of the plan. You should already know how much of the premiums you will pay for and how much will be the responsibility of your employees, giving you a sense (once you actually receive your quotes) of what your and your employee’s costs will be.

At this point, you have essentially finished the application process and will be able to review several group health insurance quotes shortly. The time period can vary, but it shouldn’t take more than a couple business days for an agent to get back to you.

Once you have your group health insurance quotes to review, you can compare the plans by price, deductible, and other features. Armed with this information, you should now be able to gain a good sense of what you're looking at in terms of group health insurance rates, allowing you to list out your options and how they may fit in with your budget.

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