This part of our web site is for companies with at least two full time employees. If you are self employed, or if you have only one employee taking medical, you should be looking in our "Individual and Family" health insurance section. Group Health Insurance is available on a guarantee to issue basis in every state per health reform laws that were passed in 1996. (*HIPAA) Although plans are available, pricing can vary by as much as 5x depending on your group size and State of primary operation. In Illinois the maximum load factor is 67%. In Indiana it is 85%.
Castle Group represents over 20 different group health insurance carriers. Not all health carriers underwrite identically. As a result, we conduct business in a way that provides information for you to make a good decision. We do not low-ball quote or give you 50 pages of unintelligible, inaccurate data. We make single recommendations based on your specific needs.
We make our money selling insurance, but we earn our money by finding the right product for you.
Carrier by Carrier Review - you can browse and see the quality of the carriers that we represent. Links to the carriers financial information, and PPO networks are available on each page.