1. Pricing is for employees living in a selected geographic area only.
2. Dependent eligibility age limits apply.
3. The Company must be the sole medical carrier for groups under 25. A minimum of two contracts is required for group coverage (unless otherwise mandated by the state).
4. Employer contribution is equal to or exceeds 50% of the average employee only premium or 50% of the total cost of the plan.
5. Coverage is for full-time employees only, as defined by the employer. (Minimum 25 hours per week unless otherwise approved by the Company's underwriting department.)
6. Eligibility rules and employer contribution percentages remain consistent during the contract period.
7. Retirees are not eligible for coverage.
8. For groups with 2-9 eligible employees, 100% employee participation is required in a viable medical plan with a minimum of 50% of the total gross number of eligible employees participating in the Plan. For groups with 10-50 eligible employees, a minimum of 75% employee participation is required. (State-specific guidelines may vary.)*
9. The Company uses monthly trend factors; therefore, even if nothing changes in the group, quoted rates may change for different effective dates.
10. The percentage of out-of-area subscribers cannot exceed 30% of the total number of subscribers.
11. The percentage of COBRA subscribers cannot exceed 10% of the total number of subscribers.
12. All rates are contingent upon completion of full medical underwriting.
13. Open quotes are only good for 60 days from the effective date.
14. Any misstatements or omissions may result in the quote being rescinded, or if the group application is approved, future claims being denied and the policy being rescinded.
    • For Quick Quotes: These rates are presented as a preliminary proposal only. These illustrative rates reflect the Company's preferred pricing. Final rates may change based on actual enrollment, review and approval of the Individual Medical Applications or Group Risk Questionnaire and verification of data entry.
    • For Final Rates: These rates are approved for sale by the Company's underwriting department and are guaranteed for a 12 month contract period from the effective date of coverage, provided the above terms and conditions are met.

* Participation requirements vary from those stated above in the following states:

• Georgia: the 100% participation standard for groups with 4-9 eligible employees does not apply.
• Michigan: 100% participation is required for 10 or fewer employees; 75% participation for 11-25 eligible employees; and 50% participation for 26-50 eligible employees.
• Texas: the 50% participation of gross eligible employees standard does not apply. 75% participation is required for groups with 3-9 eligible employees.