Small Group Health Insurance

The common size for a small group classification is between 2 and 50 employees...
Small Group Medical coverage is issued on a “Guaranteed Issue” basis. “Guaranteed Issue” means that the insurance company must issue medical insurance regardless of the group’s current medical claims situation. This is one of the primary advantages of being classified as a small group. The insurance company may ask health questions, but this is only done for the purpose of rating the premium to charge for the group health coverage. Small group medical insurance contracts generally offer broader terms as to what is covered compared to individual plans and contracts. To qualify as a small group, a company must certain administrative requirements as determined by the Department of Insurance. MDW can assist you in determining whether you qualify.

When shopping for a small group health insurance policy, we will make sure to review the plan offerings and rate quotes from several different insurance companies to present you with the best available rates. We do this on a yearly basis, so you are confident that your plan is always competitive in the marketplace.

Contact the MDW Insurance Group at (305)444-2324 for a cost-effective benefits package that includes any or all of the following types of insurance and services:

• Medical
• Dental
• Vision
• Life
• Voluntary Group Benefits
• Long-term and Short-term disability
• Long-Term Care
• HSA’s
• Flexible Spending Accounts
• Section 125 Administration
• Cobra Administration
• Foreign Nationals Coverage
• Wellness Programs & Health Fairs