Healthcare Insurance

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Group Health Insurance Plans

Most people in the United States are covered by a health insurance plan that their employer, or a family member's employer offers. Often the employer pays a portion or all of the insurance's cost. Many other people are members of groups such as unions, professional associations, religious or veterans' organizations, fraternal groups, and organizations of entrepreneurs or small businesses.  These organizations have contracts with insurance companies to provide health care coverage.  To qualify for a group plan, you must meet the sponsoring organization's or association's eligibility requirements. For example, you may have to work a minimum number of hours weekly to participate in the plan. 

Enrolling in a group plan has several advantages. You may be able to choose from among several plans that your employer offers. The cost of premiums is usually lower because of the large number of participants. If you enroll when you are first eligible to do so such as when you start a job, when you experience a life status change (as defined by the IRS), or during an open enrollment period (an interval during which members of a plan can change health plans or coverage) neither you nor your spouse or dependents have to provide evidence of insurability. In a group plan, you can't be excluded or charged a premium that is higher than that of the rest of the group.  

Blackburn Group, Inc.
Penfield, NY 14526-0052
(585) 586-4530,  (585) 586-7479 fax,  Email: sales@blackburngroup.com
  

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