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Group health insurance can be tailored to meet each individual employer’s needs. There are several features that set group health insurance apart from individual plans. These differences include the nature of the contract, the cost of the plan, the form of premium payments, and the eligibility requirements. The individuals covered by their company’s group health insurance policy are all given the same booklet that describes their benefits in detail. They are NOT given separate policies.
Group health plans typically have higher benefit maximums and lower deductibles than an individual plan. Another benefit to group plans is that they generally offer extensive coverage. Employers can change group health insurance policies at any time to save money, so be sure to shop around often!
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