This type of group policy will provide benefits for expenses incurred by an employee for most medical treatments. This includes benefits for treatments in a hospital, for physician services in or out of a hospital, for treatments needed for the care of accidental injuries, for treatments incurred during pregnancy, and most other medical costs incurred from a "medically necessary treatment.

Riders that can typically be attached to this type of plan include:

· Prescription Drug Card - allows for small co-payment by employee when purchasing prescription drugs.

· Supplemental Accident Benefits - provides first dollar coverage with no deductible for treatment of accidental injuries.

· Dental/Vision Benefits - provides insurance for the specific cost of dental and optical treatments.

· Skilled Nursing Care/Home Health Care - provides coverage for the cost of ongoing care in a skilled nursing facility or in the home.

This type of coverage is chosen by most small business owners. However, due to the enriched benefits provided by major medical plans, this can be the more costly choice.

Additional Information on Group Health Insurance

Comprehensive Major Medical Plan
Health Maintenance (HMOs)
Preferred Provider Organizations (PPO's)
Self Funded Plan
Cafeteria Plan
Conclusion

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