Advantages of Group Insurance

The benefit to employer health insurance is helping provide health coverage to all employees. If employees have health problems they will not face denial. This is important because those same individuals could be denied if they apply for health insurance on their own. Although some limits may be imposed on new hires for certain conditions that predate their enrollment in the plan, most employees can receive coverage as soon as they are eligible. Business group health insurance is not only one of the easiest ways to obtain coverage it is also one of the most affordable options. Group insurance offers lower rates than individual health insurance, because the more people under the insurance, the more the healthy individuals balance the ill. In addition, group plans are typically more flexible and tend to provide more liberal benefits than individual coverage