How do group health plans work?

Group health plans are usually offered through an employer and may include a range of health plan options. There are several types of group health plans, including a Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Point of Service (POS) plan, and Consumer Driven Health (CDH) plan.

Typically, you will enroll in your group health plan when you start a new job or during your company’s open enrollment period. Your health plan may cover part of the cost of your doctor's visit as well as tests, treatments, and prescription drugs. Most group health plans require you to meet a deductible, which is the annual amount you have to pay out-of-pocket before your health plan will start to pay for any covered health care expenses. Each group health plan varies, so be sure to review the options available to you and pick the plan that best meets your needs.