Group Health Insurance for All
Our Texas insurance agency offers diverse and flexible group health insurance that will benefit members and employees of organizations and companies. All are provided through different companies such as Germania and Progressive.
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What Is Group Health Insurance?
Group Health Insurance is a type of insurance plan that business owners or organization heads can avail for their group members.
This insurance is often attained at a reduced cost as the insurer’s risk is spread throughout the other members of the group.
Supplementary plans or add-ons are available,
but their inclusion will depend on whether or not the parent organization opted in for additional plans or add-ons.
If they did, all members within the group health insurance plan can enjoy them.
How Does Group Health Insurance Work?
Group health insurance is purchased by companies and then offered to employees.
However, for a group health insurance plan to be valid, at least 70% of the employees must participate.
Individual purchases are not available.
Since these premiums are divided between the company and its members,
group health insurance is more affordable than individual plans.
Some insurance providers offer tiered plans.
These plans offer the insured groups the option to choose basic insurance or more advanced coverage with some add-ons.
Some may even extend coverage to immediate family members or dependents at extra costs.
As there are many different insurers, plans, as well as terms and conditions, no two group health insurance plans are the same.
