How to Get Health Insurance That Covers Multiple States. If your small business employs workers in different states, it may be hard to find group health insurance. Few carriers cover all 50 U.S. states. Many choices in terms of plans, rates, deductibles and coverage make it hard to find a plan on your own. Find a broker to help you find multi-state carriers offering coverage where you're based.
Find several licensed brokers in your area. Use a directory such as the one provided by the National Association of Health Underwriters.
Interview at least three brokers to compare costs and services. Ask how they handle enrollment, employee questions or problems and benefits statements. Be sure they are willing to work with businesses in your size range across different states.
Request three references from each broker. References should be from companies that have used the brokers for several years.
Ask the broker's references for the best and worst examples of the broker's services.
Pick your broker, then sit down with her or him to go over the information you need and explain the paperwork.
Enroll your employees in the program.
Rates should not vary much from state to state for the same programs with the same carriers. Ask other business owners to recommend a good benefits broker. Health insurance companies pay the broker, so their services to you are free. Find out if the broker has designations beyond being licensed to sell insurance, such as CLU (Chartered Life Underwriter) or ChFC (Chartered Financial Consultant). These extra designations indicate more experience. Check the industry association for your type of business for referrals to agents.