Claims must be filed which is not the case with all group policies. Preventive health care may not be covered. A higher deductible may be part of the individual health care policy, and lower limits for some coverages including major medical, mental health, and chemical dependency treatment may be part of the individual health policy. Group Health Insurance Group health insurance coverage through an employer or other group also has both advantages and disadvantages. Advantages include part or all of the premium being paid by the employer or other policy holder.
Group policies are usually less expensive than individual policies.
Usually everyone is eligible for coverage regardless of health. Group health insurance coverage is typically comprehensive, and premiums can be deducted from paychecks if the policy holder is the employer. Coverage generally cannot be cut off because of the number of claims someone has. With most group health insurance policies, you can select your own health care providers. Disadvantages of group health insurance policies include losing coverage when you no longer belong to the group.