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A group health plan is one in which the named insured of the policy is an entity or other conglomeration of people who are insome way related to each other by employment, interest, or in some other way. The policy is itself issued to that entity or group. Like other insurance policies, the group policy specifies that which is covered, excluded, excepted, and other terms and conditions of coverage.
A certificate of group health plan coverage is that document which each member of the group (who opt in to participation in the coverage) get to evidence coverage and participation. The certificate may contain a summary of the terms and conditions of coverage, but will in all events refer back to the master policy for the complete terms and conditions of coverage.
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When a Medicare beneficiary has employer supplemental coverage Medicare refers to these plan as?
large group health plan
What are the benefits of the Group Health Cooperative?
The Group Health Cooperative offers insurance to people not otherwise eligible for group health coverage. Routine preventative visits have no copay under this plan.
What are the rules for continuing Cobra coverage in the United States?
Many people have health insurance through their employer's group plan. When they no longer qualify for coverage through this plan, federal and state law may provide the right to continue coverage in that group plan for a limited time.
Can your wife and you get separate health coverage or do you have to get the couple rate?
You should be able to get Individual Plan for each of you. Group Insurance - No.
Does an employee with existing group health insurance have to enroll into Medicare at age 65 buy a supplemental plan then drop the group health insurance?
You have a choice to stay in your employer's plan or join Medicare. When you do stop working and lose your group health plan, make sure you enroll in Medicare within 8 months. You could also enroll in Medicare Part A (hospital coverage), and postpone enrolling in Part B (physician coverage) until you are done with your group health plan. Part A does not cost you a monthly premium. You would be over-insured, but the Part A benefit is available to you at age 65, whether you have other coverage or not.
What company offers individual health coverage?
Almost all companies that offer family health coverage also offer individual health care! The top 3 companies in the nation for health care are Unitedhealth Group, Wellpoint Inc. Group, and Kaiser Foundation Group. You can contact one of these in your area, or another health care company, and get a free quote for your plan.
Can your health insurance company force your spouse to take her employer's health plan as primary instead of yours?
Yes, under the standard Coordination of Benefits provisions contained within Group Health Plans, the "rules" to determine which coverage pays first (primary) are clearly stated. Also, a plan can contain a provision that states if a spouse is eligible for coverage as an employee and chooses not to take that coverage, the other plan can deduct the amounts the other plan would have provided (even if the spouse did not elect the coverage).
What would one need a certificate of insurance for?
A certificate of insurance is necessary to show coverage limits. Any business you plan to deal with should hold a current certificate of insurance to be sure coverage is current.
Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
Who can apply for a Fallon Community Health Plan?
Anyone can apply for a Fallon Community Health Plan on their website, for family coverage and even business coverage. Eligibility is determined upon applying.
Need Individual Health Plan. I have an individual plan Does your insurer have to extend coverage to your adult child?
This is an interesting question because lots of consumers confuse an individual health plan with a family health plan. However, there is no provision in federal law for extending coverage to a young adult under an individual plan.
The premium of a health insurance plan refers to the?
The Total Cost Of The Coverage
