Frequently
Asked Questions
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Why offer Humana group medical insurance
through a chamber?
- It has never been more important than now to assist small
employers with solutions to the problem of continuously escalating
health care costs.
- Small businesses are the backbone of the U.S. economy and make
up a large percentage of many chambers membership basis.
- Driver Alliant and Humana are dedicated to health care solutions
for small businesses
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You
would need to remain with your current Humana coverage and rates until
your next plan anniversary or renewal date, then you would be eligible
to apply for the Humana chamber plans.
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To qualify
for the premium discounts through the Chamber of Commerce, firms must
provide proof of active membership. Otherwise, Humana standard group
insurance products are available to all small businesses that qualify.
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How many
employees make a small business?
Texas group health insurance laws define a small employer group as
having 2-50 full-time, eligible employees.
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No, due to Texas insurance laws, at least two full-time employees on
payroll are required to start a plan. Standard individual plans (without
a discount and subject to medical underwriting) are available to
individuals who are not able to be part of an employer group.
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Are there participation and
contribution requirements to a group plan?
Yes, the participation requirement for Humana is that at least 75
percent of the full-time employees not covered through other creditable
coverage must enroll. Employers are required to contribute at least 50
percent of the employee only premium.
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A number
of forms are required to establish a group health insurance plan, and we
will help walk you through the process. For more information on general
requirements, please click on the “Plan Choices & Forms” button on our
home page and review details under the “checklist” link.
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How can I learn more about getting
started with the Humana chamber program?
Call us at 800-347-9547 or e-mail us at
jcrawford@driveralliant.com
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