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GROUP HEALTH INSURANCE FAQ
1. Why should I go for group health insurance?
Group health insurance would allow you to get the benefits
of individual
health insurance. But since the purchasing power will be high in the
group you get the benefits for a low cost. And even if your company doesn’t
offer health insurance or if you are not in a job then you can get a group
health insurance policy through some other notable groups like churches,
clubs etc
2. What are the advantages of providing group health
insurance to my company employees?
If the company provides health
insurance to its employees, then the employees become happy and they
don’t switch jobs. And since the group health insurances are tax deductible,
it helps the company to manage taxes.
3. Will I get any extra benefit through the group
health policy?
The
group health policy provides the benefit rider. This actually functions
as an add-on and provides an extra benefit like the dental insurance or
life insurance for some limited number of years.
4. What is a fully insured employer group?
In the fully insured employer group, the employees would
get the health
insurance policy from their employer. And thus they can enjoy the
medical benefits of the policy. There is another division here called
as the fully insured group here the worker or the employee would obtain
individual certificates.
5. What are the benefits of the health saving account?
Here you can invest some cash in the HSA account and
then you can spend it for your medical bills. This is a tax free fund.
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