| Health insurance is a type of insurance | | | | Compared to individual health insurance, |
| policy in which the insurer provides for the | | | | group health insurance is less expensive. |
| cost of any or all of the health care | | | | Another advantage is that no medical exam is |
| services. Today, there are many types of | | | | required to qualify for group health |
| health insurance such as fee-for-service, | | | | insurance. |
| managed care, and more. Health insurance is | | | | |
| offered to individuals as well as groups. | | | | A wide range of group health insurance plans |
| Group health insurance is designed to meet | | | | are available to choose from. Fully insured |
| the health care needs of employees of large | | | | employer group, small employer group, large |
| as well as small companies. Group health | | | | employer group, health maintenance |
| insurance policy provides medical expense | | | | organization (HMO), self-funded ERISA, group |
| coverage for many people in a single policy. | | | | managed care, and preferred provider |
| Under group health insurance, the cost of | | | | organization are some types of group health |
| premium is spread out among the members of | | | | insurance. |
| the group. | | | | |
| | | | Getting group health insurance quote through |
| Group health insurance offers health care | | | | websites is quite easy. In order to qualify |
| coverage for student organizations, religious | | | | for a group health insurance policy, employer |
| organizations, employers, professional | | | | must have at least 2 full time employees on |
| associations, and other groups. Most | | | | the payroll. While purchasing a group health |
| Americans get group health insurance from | | | | insurance, it is advisable to seek the |
| their employer. In most cases, employer pays | | | | assistance of group health insurance broker. |
| all or part of the health care insurance | | | | Golden Rule Insurance Company, UniCare, Aetna |
| premium. | | | | Inc., Horizon Blue Cross Blue Shield of New |
| | | | Jersey, Health Net of California, and Time |
| Group health insurance benefits both employee | | | | Insurance Company are some of the leading |
| as well as employer. Employees covered by | | | | health insurance companies that offer group |
| group health insurance plan, get medical | | | | health insurance. |
| treatment quickly with little or no cost. | | | | |