Employer Group Medical
|Who is the contract issued to?
||The contract is issued to the individual as the primary policyholder.
||The contract is issued to the employer. Each covered employee receives a certificate of coverage.
|How am I eligible for coverage?
||As an individual, you may purchase coverage for yourself and your eligible dependents.
||The employer must sponsor the coverage.
|Are there any participation requirements?
||Yes, a certain percentage of the eligible employees must participate in the plan.
|Can I be denied coverage for medical conditions?
||Yes, companies can decline applications for coverage based on health conditions. Certain health conditions may also be excluded from coverage or be cause for higher premiums.
||No, if the group qualifies for coverage, all employees will be eligible for coverage.
|Are pre-existing conditions covered?
||Some individual policies are subject to pre-existing condition limitation periods.
||Typically, if you have had credible coverage for at least 1 continuous year, pre-existing conditions will be covered.
|How is maternity covered?
||Some plans have limited maternity coverage available as an optional rider.
||Covered as any other condition.
|What plans types are available?
||POS, PPO and Health Savings Accounts (HSAs).
||HMO, POS, PPO, and Health Savings Accounts (HSAs).