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Last Updated
Tuesday, November 16, 1999 
Health Plans

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This section of the web site is will help guide you to the right area of our website.  If you have specific questions, please fill out a quote request form. .

 Castle Group Health represents the finest HMO, PPO, and Indemnity carriers offering coverage to families and businesses. We charge no fee for our services.

 

News for the Self Employed

The passing of the Kennedy-Kassenbaum bill legislatively changed the availability and viability of self-employed group plans.  Group medical plans for the one man, self employed group no longer exist. Fortunately, there are now many more excellent quality, medical plans for individuals.   The Self employed will find a wide choice of good plans in the individual sections.

Several carriers are now offering true group policies to husband/wife groups. A strict adherence to guidelines and payroll records and IRS forms are required to verify eligibility. 

Self employed individuals should be aware that Medical Savings Accounts are growing in popularity. We have been an advocate of the plans since the beginning.   We believe that all families should consider MSA’s as an excellent cost effective alternative.

Read more about MSA’s in our Insurance 101 area.

 News for Employer Groups

There has probably never been a better selection of good, small group health plans.  The recent healthcare legislation accelerated the trend of consolidation of health care carriers.  After years of indecision by many major carriers, new plans are available for small groups from many of the large carriers. 

ALL groups carriers must now offer guarantee issue coverage.  These carriers are not restricted to the amount of premium they charge.  High risk groups can be issued with premiums 200-400% above minimum rates. We know of some carriers that will load a maximum of 25% regardless of health.  For healthy groups, some carriers are offering rates as low or lower than 3-5 years ago.  We know where to get you the best rates for your situation.

Let Castle Group Health help you  find the carrier that offers you the best rates.

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