Start-Up Groups

What is needed to write a start-up group? 

California is known for start-ups and many of the groups we write fall into this category. Here's what you need to know about start-ups and our carriers:

Best Fits

• Anthem: Legal documents (filed and stamped) and conditions of Start-up form. 
• Kaiser Permanente: Legal documents (filed and stamped) and Payroll Attestation form. 
• Covered CA for Small Business: Legal documents (filed and stamped) and new hire letters or 2 weeks payroll. 

All of our other carriers require payroll prior to offering group coverage: 

• Aetna: 2 weeks of payroll only if the group has been in business for less than 3 months. 
• CaliforniaChoice: 1 week of payroll for 5+ enrolled, or 4 weeks of payroll for 4 or fewer enrolled. 
• Health Net: 4 weeks of payroll for 6+ enrolled, or 6 weeks of payroll for 5 or fewer enrolled. 
• UnitedHealthcare: 2 weeks of payroll, Fed Tax ID appointment letter, legal docs. 

Please contact a member of your B&P Sales Team if you have any questions regarding start-ups.