Group Health Insurance Pennsylvania PA

Reader’s Question:

What are the basic features of employer-based group health insurance policies in Pennsylvania?

Amy

Erie, Pennsylvania (PA)

Thank you for asking, Amy.

Getting health insurance coverage from your job in Pennsylvania is the most common and can be the simplest way of getting a health insurance coverage for most Americans. On top of that, a group health insurance health policy can also be the most consumer-friendly health insurance. Most group health insurance policies are guaranteed issue. It means that when a company gets coverage from a group health insurance, all employees are guaranteed to be accepted regardless of their health status. Group health insurance policies normally offer guaranteed renewal, which makes sure it cannot be cancelled if you get sick. There is also an established limits on pre-existing conditions exclusions which can normally range from 12-18 months relative to your circumstances.

One disadvantage with job-based group health insurance coverage though is the limitation on the plan options available for you. You tend to be limited in your choices of doctors, hospitals, and other medical providers, including skimpy prescription drug coverage. Co-pays and deductibles could also pose problems as these could be higher than what you can afford to pay. Despite this disadvantage of group health insurance coverage, it still remains to be almost always the best health insurance option. There is more protection to employee benefits provided by our federal law even after coverage is terminated. Most of the time, these protection laws are not present in individual health policies.
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