Group Health Insurance Plans and Quotes

This part of our web is for companies with at least two full time employees. If you are self employed, or if you have only one employee taking medical, you should be in our “Individual and Family” section.

Selecting the right Group Based Health Plan can be complicated. We’ve tried to make it easier by providing numerous tools to help you decide.

Group Health Insurance is available on a guarantee to issue basis in every state per health reform laws that were passed in 1996. (*HIPAA) Although plans are available, pricing can vary by as much as 5x depending on your group size and State of primary operation. In Illinois the maximum load factor is 67%. In Indiana it is 85%. Not all carriers underwrite identically.

Castle Group represents over 20 different group carriers, and we are able to get you the best values available. Using our experienced agents can save you tens of thousands of dollars.

In this Section

Carrier by Carrier Review - you can browse and see the quality of the carriers that we represent. Links to the carriers financial information, and PPO networks are available on each page. Select the carrier from the menu above or just Get-A-Quote.

Latest News and Views in the Small Group Market in the Midwest.

9/1/01 - Unicare announces 9-17% rate increase on small group plans in Illinois.
2/14/01 - Aetna Chicago adds the 1700 physician network of Advocate Healthcare.
2/1/01 - HMO trends leveling out in Midwest. We now believe that open HMO’s will make a comeback in service and popularity.
2/1/01 - American Community will switch existing customers to new 3-tierd RX card within 6 months. New plan design awaiting state approval.
1/01 - Concert Health Plans now available in the Chicago area with the HFN PPO network.


	*Are you getting the service you pay for?*

Medical Trend Box-

Small groups (less than 50 employees) are finding huge increases in premium for the year 2000. The headlines in the papers are saying 8-10% medical inflation, but legislative action, increased utilization and rising drug costs are sending plans for small employers up far more. Here we will post the average increase of PPO’s and HMO’s that we are seeing in our area.

Average Trend - as of Sept, 2001

PPO’s

16%

HMO’s

14%

Note: These figures are listed are representative of the “median” increase that we have seen with our clients and are not indicative of any specific carrier, plan or area. Past trend does not have any bearing on actual increases received now or in the future.


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