What Is Group Coverage?

Group medical coverage refers to a single policy issued to a group (typically a business with employees, although there are other types of groups that can get coverage) that covers all eligible employees and sometimes their dependents.

With groups such as small businesses, the insurer determines a premium price based on risk factors balanced over the entire group, using general information on members of the group, such as age or gender. Insurers are required by law to offer coverage to small groups.

At American Health Plans we Focus on Employer Groups offering Healthcare benefits, as well as dental & vision in small group market 2-50 and large group market 51-499

  • Save Employers money on Employee benefits as cost continues to rise.
    As health care cost rises for most employers this is one of the largest checks that the owner writes every month.  Here at American Health Plan we make sure that the plan and benefits meet the needs of the organization. We specialize in knowing your plans as well as affordable options
  • Obtaining competitive quotes
  • Handling Claims Problems
  • Employer Communication
  • Employer Education

Who Is Eligible For Coverage?

The general rule is that if an employer offers group health coverage to any full-time employees, the employer must offer coverage to all full-time employees.

The employer has the option to offer coverage to part-time employees (defined as those working fewer than 30 hours per week). If the employer offers coverage to any part-time employees, all of them must be offered coverage.

These rules apply regardless of the medical condition of the employees. In other words, any eligible employee can’t be denied coverage based on previous medical problems, known as preexisting conditions.

If you are interested in learning more about our group health insurance plans, please contact our licensed group benefit specialist agent Tammie Briscoe at 586-331-3111.