• Medical Conversion is available in most states
  
  
• Minimum group size is 50 covered employees (varies by state based upon Small Group Reform laws)
  
  
• Life Insurance is optional
  
  
• "Actively at work" requirements are waived subject to a claims disclosure report
  
  
• Extensive accepted industry list including municipalities, schools, hospitals, physicians, and trucking firms
  
  
• Minimum participation is 75% of eligible employees and 50% of eligible dependents
  
  
• Will accept HMO penetration
  
  
• Maximum 10% COBRA and 10% non-Medicare primary retirees