United Health Group
What will happen to my employee’s coverage if we change our group health insurance company?
I am a small business owner in the state of FL. We have group coverage for myself, my business partner, and one employee, who was recently diagnosed with breast cancer. My business partner and I are considering changing insurance companies (from Aetna to United Healthcare), but obviously I am concerned what will happen to my employee’s coverage if we change companies while she is sick.
You should probably be more concerned with the cost of the group coverage, should you try to switch – or even IF you can find someone willing to give you coverage, with 1/3 of the group having active cancer.
They would have to cover her cancer – which means, they’ll probably flat out decline to give you coverage. They won’t give you a policy.
If they DO choose to give you a policy, small groups like yours, the policy is individually underwritten – meaning, they average the premium costs for all three of you, and your rates – if by some slight chance they choose to give you a quote – will be astronomical.
I think you’re stuck where you are, until she’s no longer your employee.
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