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    oyer. Most companies offer a group health insurance package to all their employees.

    There are several major kinds of group plans.

    - Fully Insured Employer Group - In this case, your company has a contract directly with an

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    By far, the cheapest way to get health insurance is through a group insurance plan. With group insurance plans, a group of people have one contract with the insurance company. This almost always costs less than if each member of the group had an individual plan. You might think of it as buying wholesale as opposed to retail. The group has more purchasing power.

    With group health insurance plans, there is just one contract, and the company issues certificates to particular members of the group. In this way, individual members of the group save money on the benefits they would get with an individual plan.

    Group plans often have special coverages that would be expensive with an individual policy. This is because the cost of covering one individual's risks is made cheaper by the low risk of the others in the group.

    Types Of Group Plans

    Most often, group plans are available through your employer. Most companies offer a group health insurance package to all their employees.

    There are several major kinds of group plans.

    - Fully Insured Employer Group - In this case, your company has a contract directly with an

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    group had an individual plan. You might think of it as buying wholesale as opposed to retail. The group has more purchasing power.

    With group health insurance plans, there is just one contract, and the company issues certificates to particular members of the group. In this way, individual members of the group save money on the benefits they would get with an individual plan.

    Group plans often have special coverages that would be expensive with an individual policy. This is because the cost of covering one individual's risks is made cheaper by the low risk of the others in the group.

    Types Of Group Plans

    Most often, group plans are available through your employer. Most companies offer a group health insurance package to all their employees.

    There are several major kinds of group plans.

    - Fully Insured Employer Group - In this case, your company has a contract directly with an

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    ates to particular members of the group. In this way, individual members of the group save money on the benefits they would get with an individual plan.

    Group plans often have special coverages that would be expensive with an individual policy. This is because the cost of covering one individual's risks is made cheaper by the low risk of the others in the group.

    Types Of Group Plans

    Most often, group plans are available through your employer. Most companies offer a group health insurance package to all their employees.

    There are several major kinds of group plans.

    - Fully Insured Employer Group - In this case, your company has a contract directly with an

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    ndividual policy. This is because the cost of covering one individual's risks is made cheaper by the low risk of the others in the group.

    Types Of Group Plans

    Most often, group plans are available through your employer. Most companies offer a group health insurance package to all their employees.

    There are several major kinds of group plans.

    - Fully Insured Employer Group - In this case, your company has a contract directly with an

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    oyer. Most companies offer a group health insurance package to all their employees.

    There are several major kinds of group plans.

    - Fully Insured Employer Group - In this case, your company has a contract directly with an insurance company or HMO. If you work for a large company, this might be the case. They pay for the group plan and allow employees to choose if they would like to join.

    - Small Employer Group - Smaller companies may take out this type of policy. In this case, many small employers band together into a larger group plan. These group plans are designed for certain industries, and the premiums are set according to the particular risks of the industry. This system allows small employers who would otherwise not be able to pay for a large group plan to get one.

    - Health Maintenance Organization - This is also called an HMO. An HMO is a large network of companies and medical professionals. You can join through your employer. In an HMO, employees must choose a general practitioner from a list provided. If you have to see a specialist, the general practitioner can give you a referral. In this case, you are limi

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