Frequently Asked Questions
Why offer Humana group medical insurance through a chamber?
What if our firm already has Humana group health insurance?
Is Chamber membership required to participate in the Humana program?
How many employees make a small business?
Can one person enroll in the Humana chamber group health plan?
Are there participation and contribution requirements to a group plan?
What paperwork is needed to start a plan?
Why offer Humana group medical insurance through a chamber?
It has never been more important than now to assist small employers with solutions to the problem of continuously escalating healthcare costs.
Small businesses are the backbone of the U.S. economy and make up a large percentage of many chambers’ membership basis.
Alliant Insurance and Humana are dedicated to healthcare solutions for small businesses.
What if our firm already has Humana group health insurance?
- You would need to remain with your current Humana coverage and rates until your next plan anniversary or renewal date, then you would be eligible to apply for the Humana chamber plans.
Is Chamber membership required to participate in the Humana program?
- To qualify for the premium discounts through the Chamber of Commerce, firms must provide proof of active membership. Otherwise, Humana standard group insurance products are available to all small businesses that qualify.
How many employees make a small business?
- Texas group health insurance laws define a small employer group as having 2 to 50 full-time, eligible employees.
Can one person enroll in the Humana chamber group health plan?
- No. Because of Texas insurance laws, at least two full-time employees on payroll are required to start a plan. Standard individual plans (without a discount and subject to medical underwriting) are available to individuals who are not able to be part of an employer group.
Are there participation and contribution requirements to a group plan?
- Yes. The participation requirement for Humana is that at least 75% of the full-time employees not covered through other creditable coverage must enroll. Employers are required to contribute at least 50% of the employee-only premium.
What paperwork is needed to start a plan?
- A number of forms are required to establish a group health insurance plan, and we will help walk you through the process. For more information on general requirements, please call us.