Can Group Health Insurance Be Denied? 
Are you asking in reference to whether setting up a group health plan can be denied or can a claim by someone under a group health plan be denied ? Setting up a group health plan is considered guaranteed issue , but typically certain requirements are necessary to do so . For guaranteed issue status , most companies would require at least 10 people to be active under the plan -LRB- some may go to 5 as a minimum -RRB- . Whether you 're viewed as a small business or large business is essential to understand as well as they require different things for underwriting and the programs available feature varying benefit structures . Group health insurance quotes can vary greatly on these and other factors such as type of plan -LRB- HSA , HMO , PPO , etc. -RRB- - there are no online instant quotes for this type of coverage . These types of quotes are based on the size of your business , the industrys SIC code , age of employees , and average employee health -LRB- although some states may not require medical underwriting -RRB- . There are no instant online quotes for group health insurance . To secure a quote , you will need to consult with a health insurance agent -LRB- with a background in group health insurance -RRB- . I would suggest consulting with an independent agent who can shop the case for you and compare options from multiple companies . In regards to the second part of my initial clarification question , if you 're asking whether a claim can be denied if you belong to a group health plan , the answer is yes . A claim can be denied just like an individual plan if the service completed was not deemed to be medically necessary -LRB- e.g. elective cosmetic surgery -RRB- . It 's important to review the benefits under your health plan . If you 'd like some help gathering the most accurate quotes and securing the coverage at the lowest cost , please send me an e-mail via the contact me button next to my name with your name and contact information to reach you at . We have an agent in our group who has a strong background in group health plans . I hope the information is helpful - thanks very much . 