Netcare Benefits Group


                   Small Group Plans

    Small group health insurance plans are defined as lesser
    than 50 lives, in some states small group plans are
    community rated, in some states are age/gender rates.
    In the state of Illinois, a maximum of 67% rate up can be
    assessed due to medical conditions.

    All of our group plans include plans with flexible options,
    varying levels of required employer contributions and   
    ample provider networks, all working to satisfy employee
    health coverage needs while controlling employer’s
     related costs.  

    Small Group Health Insurance plan requirements:

  • The employer must have at least two full-time employees.
  • Proof of full-time employment is required.  For
    documentation, most insurers accept the employer's last
    quarterly wage/tax report submitted to the state
    unemployment insurance department.
  • Most group health insurers require at least 75% of full-time
    employees to either (1) enroll in the group health plan or    
    (2) participate in their spouse's group health plan.  In
    addition, most insurers require at least 50% of full-time
    employees to enroll in the group health insurance plan.
  • Most health insurers require the employer to contribute     
    at least 50% of the premium for employee health coverage,
    through they do not require the employer to contribute
    toward the cost of dependent coverage.

    Our licensed insurance agents are ready to discuss  your
    group benefits needs and help you design a comprehen-
    sive and affordable insurance program that best suits your
    needs.  To get a free quote, simply complete the quick
    Employer Group quote request form and you will receive a
    quote shortly.
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    To request a free quote for your group,
    simply click below and complete a  
    Employee Census Request form.   
    You will receive a proposal from one of
    our agents shortly.