Higginbotham Group Health Insurance

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Designed to help businesses reduce health care costs for employees and their dependents, a group health insurance policy splits the cost of coverage by way of blanket coverage provided to all participating employees, with premium cost being split between the employer and the employed. An insurance carrier pays for the agreed-upon portion of your employee medical costs outlined in your policy in exchange for premium payment and an employee copay.

Typically, the higher the monthly premium cost you pay, the lower your employee deductible will be. Group plan coverage can help with the cost of checkups at the doctor, prescriptions, emergency room visits, long-term care and more.

In most cases, buying into an employer group health plan is more cost-effective for an employee than purchasing individual or family coverage independently.

While a group plan can improve job satisfaction, retention and recruiting capabilities, there are requirements an employer should understand.