What is group insurance coverage?

Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders.

What is the difference between member and subscriber in health insurance?

The person who pays for health insurance premiums or whose employment is the basis for membership in the insurance plan. For example, if you have health insurance through your spouse’s health insurance plan, he or she is the primary subscriber.

What is a primary insurance group?

Primary insurance is a health insurance plan that covers a person as an employee, subscriber, or member. Primary insurance is billed first when you receive health care. For example, health insurance you receive through your employer is typically your primary insurance.

What is Group name on insurance card?

Group number: Identifies your employer plan. Each employer choses a package for their employees based on price, or types of coverage. This is identified through the group number. If you purchased your insurance through the health exchange you might not have a group number.

What is the difference between policyholder and subscriber?

Subscriber: The person responsible for payment of premiums, or whose employment is the basis for eligibility for membership in an HMO or other health insurance (5)… If one of your family members is the main policyholder it will have their name above yours.

Who is eligible for group insurance?

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).

Can you be covered by 2 insurances?

Yes, you can have two health insurance plans. Having two health insurance plans is perfectly legal, and many people have multiple health insurance policies under certain circumstances.