All of the individual types of plans can be purchased on a group basis. Only full time employees may participate in these plans, as determined by the insurance company. It is generally required that the employers pay a percentage of at least the employee portion of the premium. This ensures adequate participation for the insurance companies so as to avoid adverse selection. These plans are usually required in conjunction with group health plans and can be provided in a variety of ways.
Benefits can be the same amount for all employees or can be based upon salary or class of employee.
Sometimes and optionally, orthodontia is covered. Definitions of disability vary with different insurance companies. This is the time one must wait once disabled before benefits begin. Disability definitions are critical in evaluating these plans. Get a group insurance plan quote.