Group Insurance

Group Insurance is a group health care insurance coverage plan or group life insurance plan in which individual employees or members are included under one 'master policy' owned by their employers. Because the group insurance plan has so many contributors, the policy often provides coverage for more services at a much lower cost per participant. Group insurance may be provided by other organizations besides for-profit companies. Other non-profit entities can have group insurance as well

Individual members of a group insurance plan actually receive an insurance certificate which will demonstrate their eligibility for benefits. If the master policy held by the employer requires participation in an HMO (health maintenance organization), then individuals are also registered as members. Other group insurance policies may be associated with major medical groups such as Blue Cross/Blue Shield, United, Aetna, Humana and many more. A major medical policy may or may not restrict an individual's choice of primary physician and specialists. HMO policies often require a patient to use a specified physician, who must approve any visits to eligible specialists.

Group Life Insurance policies are often bundled with health policies and other employee benefit insurance plans. Here at Best Insurance Direct we can present many different plans and options for your companies individual needs. Contact us Today  770-329-7695