| Will participants get an insurance card? |
Yes they will. It's important that they show this card to any provider before receiving treatment. |
| Can I cover all my workers, whether they're full-time, part-time, seasonal and temporary? |
Yes you can. |
| Will dependents be covered? Does that cost extra? |
It depends on the plan you select. |
| Are there co-payments or deductibles? |
No there aren’t. |
| Are participants required to use a preferred provider network? |
No, they can use any doctor they choose. |
| Will participants with pre-existing conditions be excluded from the policy? |
No they won’t. The coverage provided under the group policy does not exclude pre-existing conditions. |
| How many participants are required? |
5 enrolled employees or 10% of all eligible employees, whichever is greater. |
| Can I offer different plan designs to different groups of workers? |
Yes, many policyholders elect to offer multiple policies, especially when there's a difference in wages. Part-time hourly workers are more likely to participate in a plan designed with their budgets in mind than in a plan designed for management. Keep in mind that for each plan you decide to offer, minimum participation will need to be met. |