GROUP HEALTH INSURANCE

Group health insurance provides an affordable coverage plan to its members. The group health insurance plans have many policies which provide various services to its members at low cost. Any one who gets Group health insurance has to pay reasonable premiums and get all the medical facilities. Group health insurance is also known as low cost group health insurance plan. Many companies provide low cost group health insurances to their employees. This facility is also for the staff of churches and labor unions.

Some low cost group health insurance policies involve the participation of an HMO and other major medical associations, such as the Blue Cross and Blue Shield. Most of these policies do not restrict the members to go to particular physicians or specialists, except for the HMO policies which sometime do not allow patients to consult doctors on their panel. Low cost group health insurance policies provide facilities to cover emergency as well as routine medical checkup. Eye and dental care also cover through these policies but may be limited to specific procedures. Some companies provide their employees with an annual health check-up at private hospitals which includes blood tests, blood pressure and height and weight check-up. It is not necessary that Group health insurance cover the health care of employees spouse or dependents.

Low cost group health insurance is more affordable than individual health insurance but it has also some disadvantages. There are limited choices of doctors offered by the HMO policies but some companies strictly impose health care policies as the insurers not to smoke so these policies are not interfering personal health.