Group Medical Insurance refers to an employer sponsored health insurance plan. This type of plan is offered to eligible employees and sometimes includes family members. Group medical plans are the key element of an employee benefits package. The most common group medical plans are fully insured but larger companies are moving towards partially and fully self funded health insurance plans.
Group Dental Insurance is an employer sponsored plan that provides group pricing for dental benefits. Various options are available, even within the same insurance company. This is a product that employees greatly value. Similar to Health Insurance, some dentists are contracted to provide discounted services with the insurance company. Visiting an out of network dentist will lower your benefits or may exclude them all together.
Disability Insurance Plans are a form of Health Insurance that provide payments for lost income in the event of a sickness or injury. Both Short Term Disability and Long Term Disability pay a percentage of your income towards the disabiltiy benefit. Premiums are typically paid monthly like a health insurance policy. If injured on the job, workers’ compensation insurance would be triggered leaving STD and LTD unused.
Health and Wellness Advocacy is a program that promotes health and wellness in the workplace. Self Funded Health Plans often include Health and Wellness Advocacy as part of the plan description. It is possible to purchase this service as a stand alone service.
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