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About Group Health Insurance
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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
--fully insured
--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:

--basic 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.

Health Insurance Articles
Individual Health Insurance
Important information about what to look for in a health insurance plan. "Individual health care insurance provides coverage for only one individual, or family...
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What is Medicare?
Learn about the federal program called medicare which takes on the responsibility of health care for retired individuals.
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Group Health Insurance
Find out about group health insurance plans, MPP's and major medical coverage.
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What is Medicaid?
Answers to questions concerning medicaid can be found here.
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Managed Care Insurance
Learn about the different managed care insurance options including HMO, PPO, and POS plans.
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Indemnity Insurance
Learn about indemnity insurance and the different types of reimbursement.
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Hospital Insurance
Find out why hospital insurance may be needed in addition to your current health insurance policy.
Read More >>
Disability Insurance
Find out about long and short term disability insurance plans.
Read More >>
What is COBRA?
What happens to your health insurance in case you become unemployed? Find out how COBRA can help.
Read More >>
Long Term Care Insurance
Learn about the types of services involved in a policy.
Read More >>
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