There are several different types of group health insurance, and you should know the differences and coverage limitations before making any purchase decision.
Policies differ widely in coverage and cost. Your agent will shop various policies to find the best one for you. He will make sure the policy protects you from large medical costs and does not contain any hidden exclusions or stipulations that you do not understand at the outset.
Cost is not the only consideration when buying health insurance. It is difficult to determine exactly what employees will spend per year on health care. You do not know whether they will be sick 6 months from now and need an operation. You also need to consider the benefits of each policy - compare plans carefully for both cost and coverage with your agent.
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