Are there any preexisting condition clauses?
There are many advantages in obtaining small-group health insurance coverage for your employees through Independence Blue Cross (IBC). One advantage is that IBC continues to serve as the insurer of last resort for the Philadelphia five-county region. What this means to small employer groups is that IBC will not turn a group application away due to any medical condition. In fact, not only does IBC waive preexisting conditions for group health insurance, but we also do not use medical questionnaires, medical underwriting, or medical history when determining rates for group sizes 2 – 99.
