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Types of Group Health Care Coverage

Types of Group Health Care Coverage

In the 1940's group health coverage made its way into the U.S

. marketplace and to most people this was a good thing but obtaining full coverage can often be expensive. Many people get their group health coverage through their place of employment or are covered by another family member's policy. This is what is referred to as group health coverage and is usually the least expensive kind of insurance to obtain.

Generally either all or part of the cost of group health coverage is paid by the employer. Some employers offer only one plan to choose from while others may offer many different types. Some plans that may be offered include a health maintenance organization (HMO), a preferred provider organization (PPO), or a fee-for-service or indemnity plan.

Individual group health coverage can also be purchased if the employer does not offer any coverage or if the coverage they are offering is very limited. You need to shop around very carefully when choosing a group health coverage plan because the coverage and the costs can vary widely.

Group health coverage plans may offer more benefits than individual health coverage plans do so you will need to weigh out all your options carefully before obtaining any health coverage. You will also need to know what the health coverage will pay for and what it will not. To obtain information on individual health coverage plans you can do a search on the Internet and you will find many places to call or e-mail for information on the type and cost of group health coverage or individual policies.

Types of Group Health Care Coverage

By: Erica Robinson
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