Group Health Insurance

Serving Baton Rouge and all of Louisiana

A group health insurance plan is a health insurance plan that provides coverage to members of a group that tends to be employees of a company or members of an organization. Members of the group usually receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders.

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What Group Health Insurance Usually Covers

  • Doctor Visits (Primary & Specialist Care)
  • Preventive Care (e.g., annual checkups, immunizations, screenings)
  • Emergency Services
  • Hospitalization
  • Prescription Drugs
  • Mental Health & Substance Use Disorder Services
  • Maternity and Newborn Care
  • Laboratory Services
  • Rehabilitative & Habilitative Services
  • Pediatric Services, including dental and vision (for children)

Benefits of a Group Health Insurance Plan

  • Risk pool advantages. Group health insurance policies help spread risk across a pool of insured individuals. This benefits the group members by keeping premiums low, and insurers can better manage risk when they have a clearer idea of who they are covering.
  • Tax benefits for employees. In addition to benefiting from employer contributions, employees are usually paying for their part of the premium with pre-tax money, which can add up to significant savings.
  • Tax benefits for employers. There are perks to being a small business owner and providing small business group health insurance. You will likely pay at least fifty percent of the monthly premiums for your employees, but you may be able to deduct these costs from your business taxes.

Did You Know?

Premiums have increased 22% over the past 5 years and 47% over the past 10 years.
KFF (2023)

What Group Health Insurance Usually Doesn't Cover

  • ‍Cosmetic procedures (unless reconstructive after surgery or accident)
  • ‍Dental and Vision (for adults) – usually requires separate plans
  • Long-term care (e.g., nursing homes, custodial care)
  • Fertility treatments (e.g., IVF) – coverage varies significantly by provider and state
  • Weight loss surgery – not always covered unless medically necessary
  • Experimental treatments – unless part of an approved clinical trial
  • Alternative medicine (e.g., naturopathy, homeopathy) – usually excluded
  • Hearing aids for adults – rarely covered without a rider
  • Over-the-counter drugs – unless prescribed by a doctor in some cases
  • Travel vaccinations – often not covered

Why Small Businesses Offer Group Health Insurance

  • Business Strategy. 64% of businesses say they offer health insurance coverage because it helps them hire and retain talent.
  • Responsibility For Employees. Over 40% of businesses said they felt morally obligated to offer health insurance to help their employees provide for their family.