Maryland Real Estate Appraisers' Health Insurance

Corporate Coverage is proud to have been chosen by the Maryland Association of Real Estate Appraisers as their exclusive consultant for member health insurance and employee benefit needs!

Our health insurance rates are guaranteed to be THE LOWEST available!

When working with Corporate Coverage, a customized benefits package will be designed including health benefits, dental benefits, vision benefits, Healthcare Reimbursement and Flexible Spending Account plans, group life benefits, disability income benefits, and retirement benefits.

Health Insurance

How to determine if you should enroll as Individual or Group:

Individual Health Insurance:

• Medical underwriting is required of all applicants.
• Freedom to select deductible levels.
• PPO or HMO.
• Dental and Vision available.

Group Health Insurance:

• There must be a minimum of 2 eligible employees, whose compensation is reported to the Internal Revenue Service by Form W-2 and the Department of Business & Economic Development Form DEED/AU-16 to enroll in a group health plan.
• NO medical underwriting - guaranteed issue.
• Signed tax documents (Form 1120, 1120-S or Articles of Incorporation; Schedule C/F; Form 1065 and K-1 or a formal Wage & Tax (DEED/AU-16) must be provided by the group and be included with the group application.
• Minimum participation requirement is 75% of all eligible employees.
• Group may offer 1 to 3 plans - PPO and/or POS, HMO.
• Dental, Vision, Life, Disability, HRA, HSA, FSA & Dependent Care, Pension Plans and COBRA administration are available to groups.
• Rating is based on the average age of the group.

While there are pros and cons in enrolling in health insurance, you will need to do a little research to see which is the best option for you. Individual policies are less expensive and offer a range of plans to suit your health needs. There are choices to be made as to whether you want to participate in an HMO or PPO plan, low or high deductibles and prescription coverage. Both the HMO and PPO plans require medical underwriting. Each carrier has their own thresholds and some are more lenient than others. If you know you have diabetes, heart disease, mental health issues, hepatitis, AIDS, lupus, emphysema, cancer, MS or kidney disease etc., you will more than likely be turned down by most carriers. You may still apply for individual insurance and will need to do so before applying for MHIP (Maryland Health Insurance Plan) which is designed for the "un-insurable." Eligibility for MHIP is based on being denied by other carriers due to health reasons, exhausted COBRA, etc.

If you are a healthy individual with no past medical history or need for maintenance medication, individual policies may be very affordable.

Group health insurance in Maryland is designed for groups who employee at least 2 full-time employees. Group sizes 2-50, fall under Maryland Small Group Reform. This means that there is no medical underwriting, rating is based on average age of those enrolling and require 75% participation. Most carriers will allow an employer to offer 2-3 plans to give employees a choice in coverage.

If you are a large group employer (50+ employees) your group is subject to claims experience for rating purposes. Still, there is no medical underwriting. Two to three plans may be offered and 75% participation still holds true.

Along with health, vision and dental plans, Corporate Coverage now offers COBRA administration, Flexible Spending and Dependent Care administration along with Healthcare Reimbursement Arrangements. The staff at Corporate Coverage is extremely knowledgeable in all areas of group benefits and can work with any group size to design and plan around the needs of the company.