19.12.2 Composite Rating
Composite Rating can be used for groups of 10 or more and averages the cost for all employees, charging the same premium for each, regardless of the nature variances of age and sex.
Preexisting condition restrictions are limited to 12 months with a 6-month "look back" for groups of 2-50. For groups of only one person, the look-back period is the period prior to the effective date of coverage that may be considered for preexisting conditions. Preexisting condition credits may be lost if the absence of group coverage exceeds 63 days, and renewability is mandatory except for legal cancelations or unless the carrier leaves the area.
