List Bill Health Insurance

Sometimes small employers do not qualify for regular group insurance or the requirements of regular group insurance are not conducive to the employer. When this happens all is not lost.  There is another option.  It is the list bill.

With a List Bill, sometimes referred to as an "individual list bill," the employer can have each employee apply for insurance individually with the same company.  Those employees that receive insurance are all placed on the same bill, which is in turn sent to the company for payment.  Sometimes, discounts are even available for list billing.

With list billing, there are no minimum participation requirements and the health of any one employee does not effect the rating of the entire group.  Also, the employer is not required to pay any portion of the employee's cost. 

List bill insurance would have great appeal to the following type of groups:

• Ones with many employees who do not wish coverage or are not eligible for coverage

• Those that have health problems with certain employees serious enough to make the group uninsurable on a group basis

• Groups that can not afford to pay for a portion of the employees insurance

For a comparison of Kaiser Permanente plans, click here