Group Health Insurance in Cedar Rapids and Iowa City, IA

Benefits that Keep your Employees Happy

Skogman Insurance provides group health insurance to businesses in Cedar Rapids, Iowa City, Coralville, North Liberty, Marion, Mount Vernon, and surrounding areas.

Having adequate health insurance is a critical part of maintaining health and wellness. These policies may provide valuable financial assistance to help policyholders access preventive services and emergency health care. Health insurance coverage may come in many forms, including group health plans.  

What Is Group Health Insurance? 

Group health insurance may offer medical coverage to a group of individuals, typically employees within a company or members of an organization. These arrangements may include a range of medical benefits and services, helping to ensure that the group members have access to necessary health care while also offering cost advantages compared to individual health insurance plans. By pooling the insurance risk across a larger group, the cost per individual tends to be lower than if each member were to seek insurance independently. 

What Does Group Health Insurance Cover? 

Group health insurance plans vary in terms of coverage capabilities and limitations, but they typically include various medical services essential for maintaining health and well-being. Some typical health care costs covered by group health plans may include: 

• Hospitalization and medical services—Group health insurance may cover hospital stays, surgeries, doctor visits, diagnostic tests and medical treatments. These services may help ensure that individuals receive the medical attention they need without facing excessive financial burdens.
• Prescription medications—Many group health insurance plans may provide coverage for prescription drugs, making medications more affordable for members.
• Preventive care—Preventive services such as vaccinations, wellness check-ups and screenings for various medical conditions may be covered. This emphasis on prevention helps catch health issues early, potentially leading to better outcomes and lower health care costs.
• Mental health services—Group health insurance may include coverage for mental health services. This may encompass therapy sessions, counseling and treatment for mental health conditions.
• Maternity care and family planning—Many group health plans may offer coverage for maternity care, including prenatal and postnatal care, as well as services related to family planning, such as fertility treatments.
• Emergency care—Group health insurance plans may cover emergency medical services, ensuring members can access critical care without worrying about steep expenses.
• Specialist services—Some group health plans may cover specialist consultations and treatments, such as visits to dermatologists or orthopedic surgeons. 

Get the Right Coverage 

For over 50 years, the dedicated team at Skogman Insurance has helped families, individuals and businesses in Cedar Rapids and Iowa City assess and address their coverage needs. Our knowledgeable agents will draw on this extensive experience to help you understand, acquire and maintain optimal health insurance. Contact us today to get started.