I heard that pre-existing conditions can be excluded in the group plan. Can I buy group visitors insurance?
Even though the next paragraph below applies to domestic customers, it is necessary to explain that first to answer the question. Even though domestic group health insurance plans that you normally get through an employer provide wider coverage than the domestic individual health insurance plans, that is not always the case. No matter what insurance company, the bottom line is how much the insurance company is getting from a particular block of business vs. how much they are paying back in claims. Therefore, if the husband and wife decides to open up a small business and wants group health insurance, in most case and in most of the states, it wouldn’t be any significantly different from the individual health insurance they could get as the couple. Obviously, they can’t get the same kind of benefits and pricing as the employer that has 10,000 employees. That is because, out of 10,000 employees, even if 100 are sick, the other 9,900 are relatively in good shape and therefore, they overal
