Group health insurance gives you many benefits. It is provided via an employer. It is also known as employer-based coverage, and employers must be part of a member organization to offer it. We offer group insurance plans here at CLS Insurance Services in California. Employees can reap the benefits once their employer offers them a plan, and many find that they provide greater benefits than individual policies.
In California, all employers are legally required to offer group medical insurance or some form of health insurance benefits if they have more than 50 full-time employees. However, it is not a requirement for part-time employees.
Group health insurance plans offer many benefits for employees. Many of these plans include health coverage, dental coverage, and vision and pharmacy coverage. These can be offered individually or all together.
The excellent news about group health care plans is that dependents and family members have the option to be added to the plan. However, there will be added costs for employees. The employee is also eligible for their group health insurance policy tax benefits.
To be eligible for a group health insurance policy, an employee has to be on the employer’s payroll, and the company must contribute to payroll taxes. The following individuals are generally not eligible for group health coverage:
The following plans are all types of group health insurance policies offered:
Depending on the type of group health insurance plan you choose, different forms of coverage or supplemental coverage are offered, such as vision, pharmacy, or dental.
To obtain a quote for group health insurance, give us a call here at CLS Insurance Services in California.
