subject: Who Gets A Group Health Insurance Plan? [print this page] Some people do not have to worry about paying for their own medical expenses or about buying insurance because they live in countries where their governments take care of them. However, for the rest of us, we are better off opting into a health insurance plan, such as a group health insurance plan. But how do you get into one of these plans and what are they?
This kind of insurance is meant to cover several or many people. It is provided by employers to their employees who qualify for the coverage. In order to qualify for coverage under your employer, you must work a certain number of minimum hours.
All insurance plans are different. They will come at different costs and will cover different kinds of things. To find out what your insurance details are, you will need to ask your employer about your policy, so you can find out how it works.
There are employers and companies who give their employees plans that they do not have to pay for. In other words, the corporation is fully responsible for paying for the insurance coverage. However, medical costs that are not covered by the insurance are to be paid by the employee.
Unlike with insurance that you buy for yourself, you cannot be turned down for group coverage if you qualify. This is not true for people who cover themselves. They can be turned down for having certain health conditions or pre-existing issues.
When you do opt into a group plan, though, you can be denied coverage for specific past illnesses that date back to a certain time. For example, if you recently recovered from cancer and were just recently being offered group coverage, you could get the insurance through the employer, but cancer may not be covered in the policy.
by: Matheson Thumgard.
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