Group Health Insurance in Brighton, MI
Health insurance is an integral part of maintaining health and wellness. For employees and their employers, this necessitates a comprehensive understanding of group health insurance, as such arrangements may benefit all parties involved.
What Is Group Health Insurance?
As its name suggests, group health insurance is a type of health insurance policy that can cover multiple parties. These group insurance plans are often established and maintained by employers and can offer coverage to employees. By pooling risk from a workforce, insurance companies can typically charge lower overall premiums to members than they might find shopping on their own.
Who Is Eligible for Group Health Insurance?
Group health insurance can typically be offered to employees listed on an employer’s payroll. This means that contracted employees and those on unpaid leave may need to find alternative arrangements to ensure adequate coverage. Additionally, members who opt into this insurance plan may be able to add family members, including spouses and dependents, to their coverage. In many cases, since the risk pool is a critical policy factor, a certain percentage of eligible employees must enroll in a group health insurance plan to maintain its active status.
What Does Group Health Insurance Cover?
Group health insurance can generally offer similar coverage options to those found through the Health Insurance Marketplace or government programs (e.g., Medicare and Medicaid). While coverage, limitations and exclusions may vary, group health coverage can often provide financial assistance for the following services:
- Ambulatory care
- Emergency services
- Hospitalization
- Mental health and substance abuse disorder services
- Preventive care
- Rehabilitative and habilitative services and devices
- Laboratory services
- Prescription medications
- Maternity and newborn care
- Pediatric services
We’re Here to Help
As a core pillar of group health benefits, this insurance coverage can be an invaluable investment for businesses and employees. Contact the dedicated team at Active Insurance to learn more about available options.