Consumer Guide To Group Health Insurance

What is employer group health insurance coverage? Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees. The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium – in many cases, employers pay one-half or more of the monthly premium …

Consumer Guide To Individual Health Insurance

Approximately five percent of Americans do not get their health insurance coverage through an employer or through a government program, but instead purchase private individual coverage. Individual coverage is regulated differently by each state which can have a tremendous impact on the individual health insurance products available to consumers in each state. This guide helps explain some of the nuances involved with purchasing private individual health insurance coverage.

Brokers Helping People

The Broker Advantage

Health insurance brokers are experienced, licensed professionals who can guide you – the consumer – through the complex task of choosing and utilizing health insurance coverage at an affordable price. Health insurance is an important source of financial protection that will provide you with peace of mind while it also makes medical services more affordable. Health insurance brokers do so much more than sell health insurance policies. A broker is an experienced, professionally licensed advisor who can guide you through the complex task of choosing and maintaining appropriate coverage at an affordable price. A broker will:   Research the marketplace for information on the hundreds of available plans. Identify and guide you to the best coverage value to fit your …