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Health Insurance Guide
Group Health Insurance
Most people have a general idea of the nature of ‘group’ coverage. The most common type of group coverage is provided via employment. Many employers provide group health coverage as a benefit to their employees, either by paying the entire premium or sharing in the premium.
In a group situation, a single policy covers a specific group of people as opposed to a single person as individual policies do. Because of this special nature, insurance companies have to make certain that the number of people covered by a group policy stays at or above a certain level.
There are many different types of groups that may be considered, but for our purposes we will consider an employer/employee group. A single master policy is issued to an individual or entity representing the group of people.
If a group policy covers occupational illness and/or injury, the degree of occupational hazard becomes an important factor. Again, the higher the occupational hazard, the higher the rate.
Businesses that offer group coverage are subject to certain provisions of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). In most cases, if an employer discontinues group insurance, employees must be given the opportunity to convert to individual insurance without a medical exam.
Find out more about group health insurance in Your Guide To Good Health Insurance.
Health Insurance Plans
Complete Health Discount Plan
Benefits include savings on physician care, prescriptions, dental and vision, chiropractic, diabetic supplies and much more. Additionally, a single membership covers an entire family.
Aetna Dental Discount Plan
This discount dental program offers discounted fees for services performed by dental providers in the network. Members can receive the necessary dental care to keep good oral health while paying reduced fees.
Prescription Drug Plan
The Outlook Prescription Drug Plan includes two avenues for members to receive prescription savings. Each member has access to the largest retail pharmacy chain in the nation, plus members have access to the largest mail order pharmacy
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