Robert Gonzalez

Background

About Robert Gonzalez

Benefits enroller of large group would be an account with 51 or more eligible employees. However this term can be very subjective. A company with 51 eligible employees, but only a handful participating would still be considered a large group by most state insurance department. This is primarily because large groups are generally subject to medical underwriting, experience rating or having the rates based on the demographics - i.e. basing the rates on the average age, dependent status, zip code and gender make-up. Many times this rating process includes the employees not even participating on the plan. There are various thresholds and requirements that pertain to large groups. For instance, most carriers require a participation percentage of usually 75% of net eligible employees to enroll to be considered for the marketing and the renewal of the account. The term ‘net’ factors the number of employees available after deducting those covered by their spouses and sometimes by Medicare or Medicaid.