Question

Characteristics of group health insurance include all the following except:

1) Coverage for employees regardless of health status
2) Limit exclusions for pre-existing conditions
3) Offers COBRA continuation coverage
4) Requires referrals from a primary care provider

Answer 1

Group health insurance characteristics include coverage regardless of health status, limits on pre-existing condition exclusions, and COBRA coverage, but not necessarily requiring referrals from primary care providers.4) Requires referrals from a primary care provider

Step-by-step explanation:

Characteristics of group health insurance usually include coverage for employees regardless of health status and limited exclusions for pre-existing conditions. Group health insurance typically provides COBRA continuation coverage as well. However, requiring referrals from a primary care provider is not a standard feature of group health insurance plans; this characteristic is more associated with certain types of managed care plans such as Health Maintenance Organizations (HMOs). Under The Patient Protection and Affordable Care Act (ACA), there were mandates placed on employers to offer, and individuals to purchase, health insurance, with an emphasis on covering those without health insurance and those with pre-existing conditions.