Group Health Insurance

Group Health Insurance – Eligibility & Enrollment

Group health insurance plans have various eligibility requirements. Typically one would need a minimum of 2 or 5 employees/members to be insured. Depending on the underwriting guidelines the definition of the employee for US Small Business Employee Group Health Insurance can be defined as a full time (or part time) employee receiving a W2 wage form. The eligibility for the group travel insurance may be defined as a participant of the tour or expedition.

There are quite a few carriers offering small business group health insurance. Typically groups of less than 10 employees go through full underwriting; this implies that all employees will have to submit full medical history and final group premium is ascertained only after processing all applications. If the group is fairly large then some carriers offer coverage to the group without requiring the full medical history of each employee.

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Group Health Insurance – Coverage

Group health insurance plans have a wide variety of benefits; and these can include benefits for preventive care, physicals, immunizations, dental or vision care. In many cases for large groups pre-existing medical conditions can be covered and for smaller groups there is usually a waiting period before pre-existing conditions can be covered.

Group Health Insurance plans typically cover (benefits vary by state and plan):

    • Hospital & Surgery Fees
    • Outpatient Doctor Office fees
    • Diagnostic & lab fees
    • Organs, tissue or bone marrow transplant
    • Repatriation of Mortal Remains
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