In California, a group is considered one or more employees. Health insurance provides medical reimbursement to employees and their dependents that incur injuries or illnesses outside of the insured's work environment. Employers purchase medical insurance for their eligible employees. The employer determines eligibility by length of employment. The employer is encouraged to contribute a percentage of the monthly premiums or a flat amount for each eligible employee.

Health insurance is effective on the first day of the month. Applications submitted to carriers are considered and approved for the first day of the next month. Most health insurance carriers will accept application up to the fifth day of the month. In the event that the underwriter asks questions about the application, the effective date may be delayed. Therefore, it is better to submit group health applications early to avoid coverage delays.

Health insurance companies desire to receive original applications completed by the employer applicant and each employee in his or her own handwriting. The employer must complete a Master Group Application. Each employee must complete an application. The employer will also be required to send a DE-6 form that lists the names of the employees working in his company during the previous three months. The employer will write.

DEL Insurance offers medical insurance through all major carriers in the state of California. You may submit a Request for Quotation to our office by using our Request for Quotation form, or you may access one of the carriers listed below immediately.

Anthem Blue Cross

Pacificare

Official website of Blue Shield of California