Business Verification
For all small group (6-50 employees) prospects and for renewal groups (6+ eligible employees), proof of eligibility is required.

Employer Contribution
HMO/POS/PPO Large Group (Greater than 50 eligible employees)
The employer contribution must be at least 50% of the individual and the family rates, or 70% of eligible employ-ees must participate in company sponsored health benefits AND the employer must contribute at least 25% toward the individual and family rates.

HMO/POS/PPO Small Group (less than 50 employees)
The employer contribution must be at least 50% of the individual rate. A minimum dollar value equal to 100% of the individual rate must be contributed towards the family premium.

Participation Guidelines
1-5 Eligible Employees - 100 % of all eligible employees must enroll.
6-10 Eligible Employees - 75 % of all eligible employees must enroll.
11-50 Greater of 50% of all eligible or minimum of 8 enrolled.
51+ Eligible Employees - 50 % of all eligible employees must enroll.

Enrollment Area Requirements
HMO/POS/POP
At least 90% of the eligible and participating subscribers must live within the HNE enrollment area. HNE only markets within its service area.