Group health insurance

Group health insurance is a health coverage plan provided by an employer or organization to a group of members, such as employees. Instead of each person buying individual insurance, the organization pays premiums on behalf of its members. This arrangement often results in lower costs and better coverage options compared to individual plans. When members need medical care, the insurance helps cover hospital stays, doctor visits, and prescriptions, promoting overall wellness and financial protection against high healthcare costs. It’s an efficient way to ensure employees have access to necessary health services.