Question: I work for a small company that doesnt have benefits like health insurance so my employer will be paying. When I called Unicare and they told me that I couldnt have health insurance with them if my employer is paying for it. Why??? Is there another company out there that will cover me?
Answer: My guess is that Unicare assumed that your employer would be paying them directly and I've found that most insurance companies will not set up an employer as the payor. It depends on the carrier and also the state. The reason they will not accept an employer as the payor is because they do not want an individual plan to be construed as a group plan. Group plans are goverened by entirely different regulations to individual plans.
I think if you called Unicare and explained that you will make the payment yourself and your employer will reimburse you, this would be acceptable.
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