Individual Health Insurance
What to look for in a health insurance plan.
Group Health Insurance
Find out about group health insurance plans.
Managed Care Insurance
Learn about the different managed care insurance options.
Find out why hospital insurance may be needed.
What is COBRA?
Find out how COBRA can help.
What is Medicare?
Learn about the federal program called medicare.
What is Medicaid?
Answers to questions concerning medicaid.
Learn about indemnity insurance.
Find out about disability insurance plans.
Long Term Care Insurance
Learn about a long term care insurance policy.
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About Group Health Insurance
The continuing growth in the number of insurance plans where the employer or union assumes all or part of the responsibility for paying claims made the nations employers a principal bearer of the financial risks of illness and non-job-related injury in 1990. Group health insurance is better than individual in most cases- your premium will be lower, and your options greater. If you cannot receive group insurance coverage through your employer, then you'll need to seek out an individual plan.
2 Basic Group Plans:
--MPP (minimum premium plan)
Under fully insured, your employer accepts all the risk for paying your claims.
Under MPP, your employer pays up to a certain specified maximum; after which point, the insurer pays. Most of these plans offer several types of coverage:
--major medical coverage
--basic, plus major medical coverage
Majority of these plans fall under major medical, and don't contain a basic hospital benefit for hospital related expenses.
Employers Offering Health Insurance
Coverage varies from industry to industry. Most, if not all, state and local government agencies offer health insurance. Goods-producing firms are more likely to provide health benefits than are service-producing firms.
Coverage is less commonly offered by firms employing significant proportions of low-wage workers, that have a large proportion of part-time workers, or that experience high employee turnover.
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