Employee carve-outs for Medical
Insurance, by Class such as management only, union
vs. non-union, or salary vs. non-salary may be considered with
underwriting
approval (minimum eight enrolling employees, for
Blue Cross). Kaiser is much more
liberal on this. Carve Outs are NOT
Guaranteed Issue under CA Insurance Code
10700 AKA AB 1672 Small Group Guarantees (Email us
for the details,
as different companies have different rules)
When you contact us please have the
following information ready:
ERISA
Sec. 1182. - ...
prohibits discrimination based on health for
similarly
situated individuals or
different premium contributions ... also see AB 1672
definition for
part
time employee
Consumer Links
IRS Code 105 Medical Expense Reimbursement allowing you to cover a CLASS of employees
Taxation Page
Check out
Tax Facts on Life &
Health Insurance --- Rules on Corp. Officer and Highly
Compensated Employees Discrimination, etc.
Click here for Common Ownership
affiliated or controlled groups of employers
Thanks to a
visitor of our
website - we've learned that you
Cannot write a
carve-out class of a Small Employer Group in the states
of Indiana, North Carolina, Ohio, South Carolina, Texas
Virginia, Wisconsin or Wyoming (expressly prohibited by
their state law).
