What is Group Health Insurance & employee benefits?

Health insurance helps businesses pay for health care expenses for their employees. When you pay a premium, insurance companies pay a portion of your medical costs, including for regular doctor checkups or injuries and treatments for accidents and long-term illnesses. The amount and services that are covered vary by plan.

For example, an employee may have a $20 copay for each doctor visit. Or, their plan may not cover any expenses until they have paid their deductible. Generally, the higher an employee's monthly premium, the lower their deductible will be.