In USA majority of the employee are getting covered with the group health insurance scheme. The group health insurance is very cheaper insurance than the other types of insurance. Many companies fully pay the premium while some companies partly pay the premium. There are different types of plans are design to protect the employee.
There are different types of group health insurance plans are exist, they are classified as indemnity plan or free for service plan and managed care plans. The indemnity plans give broader choice for the hospital and medical treatment. While the managed care plan can provide out of pocket expenses. In both the plan insured person gets benefits of out-of-pocket expenses, medical expenses and selection of hospitals.
Apart from that the Federal government also comes with an Act under the Federal Law called as COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985) act for the divorce. It is also implemented in the company which has more than 20 employees.
Under the COBRA act the divorce is entitle to get protected under the COBRA ACT. The divorcee can get the benefits from the company to get the benefits.
All these plans are necessary for the employer to get the benefits to the employee. It depends on the selection of the plan.
