If you have health coverage via a group health plan, you should evaluate all of your alternatives for obtaining additional health coverage before making a decision. Other group health plan coverage (such as a spouse's plan), the Health Insurance Marketplace, or Medicaid may provide more cheap or generous coverage choices for you and your family. In addition, some employers offer their employees choice of multiple group health plans with different benefits designs but they are not required to do so. If this option is offered to you by your employer, make sure to ask about it before you accept a job so you can explore your coverage choices in greater detail. The key to understanding your group health insurance options is to know what kind of coverage you have, who provides it, and how it fits into your overall health care budget. Coverage Types There are two types of group health insurance: indemnity and managed care. With an indemnity plan, the insurer pays medical claims directly from the fund that it has collected from the employee premiums. The insurer does not manage its members' healthcare needs or make decisions about who will receive treatment. Members have the right to go see any doctor or hospital that participates in their plan's network and pay their own bills as long as the charges are within certain limits. With a managed care plan, the insurer manages access to providers and facilities, and may even make some medical decisions for you.