Group Health Insurance

Group health insurance is a type of health insurance policy that provides coverage to a group of individuals, typically employees of a company or members of an organization.

Under this type of policy, the employer or organization pays a portion of the premium, and the employees or members typically pay the rest through payroll deductions or direct payment.

Group health insurance plans may provide coverage for medical, dental, and vision services and may also include additional benefits such as prescription drug coverage and mental health services.

One of the advantages of group health insurance is that it typically offers lower premiums and better coverage than individual health insurance policies. Additionally, because the risk is spread out among a larger pool of people, individuals with pre-existing medical conditions may be able to obtain the coverage they could not obtain on their own.