How to Qualify for Small-Business Health Insurance
- 1). Qualify as a small-business group. In most states, to qualify for small-business health insurance, the business must have been operating for at least two months, and have two to 50 employees. For example, in the state of Texas, a business can qualify for group health insurance coverage if there are at least two full-time employees who work 30 hours per week.
- 2). Offer coverage to all eligible employees. To qualify and continue to qualify for small-business health insurance, employers must offer health insurance coverage to all full-time employees regardless of any pre-existing medical conditions, age, status or any other factors. Also, some health insurance companies may require that a certain percentage of full-time employees, such as 75 percent, elect to sign up for the small-business health insurance.
- 3). Require employees to select a primary physician. Often, to receive HMO care plan coverage, employees must select a primary physician who acts as intermediary between patient and medical insurance provider. This is often vital to be covered for any extensive medical care or consultations with specialty medical professionals.
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