Health Insurance Center

Health Insurance Q & As

Question 3 of 13 in Employer-sponsored Group Policies
What kind of health insurance might be offered through my employer?
Health insurance is one of the most common forms of fringe benefits offered to employees. A good health insurance plan offered by an employer protects its employees from catastrophic loss in the event of accident, disease or illness.

There are many varieties of employer provided health insurance plans, with differing levels of coverage and options. Often a large employer will offer their employees choices on the particular program (such as the choice between a reimbursement plan or an HMO plan) and the employee decides which program would best suit their needs.

If your employer does not offer health insurance as a benefit, you might consider suggesting that such a benefit be made available. It is better for an employee to have coverage that they pay for as opposed to being employed and without health insurance.