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If you are looking for health insurance, the best type you want is a group medical insurance plan. In general, this is the kind of benefit you get working for a large company. For many years medical insurance was almost considered a given, but with the World economy in the condition that it is, it may not always be the case.

Because of the slowdown in the economy, many companies are trying to find ways to lower expenses and many health programs are getting cut back or discontinued. These changes are happening rather quickly and you need to do something right away to know your options. Make sure you have a backup plan so that you are not left without medical insurance.

If you can't get medical insurance through your employer or you are self-employed, you are probably going to be looking for an individual medical plan. Sometimes these plans are hard to find. It's almost like you were going through a scavenger hunt to find a needle in the haystack.

The two most popular ways to get a group medical insurance plan is through your employer and through an organization with which you are affiliated. Many organizations offer all types of insurance plans, from medical and life insurance to auto and home owners insurance, to their members.

If you belong to one of these kinds of organizations, read up on their policies about group medical insurance plans. Usually, what happens is you fill out an enrollment form, and your organization's human resources department takes care of the details. You get your paperwork usually in the mail, and can start to take care of those benefits right away.

Briefly, there are two main kinds of group medical insurance plans. You may get a fully insured group medical insurance plan, in which your employer or organization agrees to take on the responsibility of covering all of your health-related services. This is the kind of plan that you are probably most familiar with. You are able to pay a copay, and usually choose your provider.

The second type of tile there is considered a minimum premium plan, or MPP. This kind of plan and those benefits in a similar way to car insurance. Basically you have a deductible and you pay everything up to the deductible. Once you exceed the deductible the insurance plan picks up the rest.

With this kind of plan, it is not uncommon to be offered a basic group coverage medical plan, or a full, major medical insurance plan, or some combination of the two. This kind of plan would offer elements of basic coverage as well as Major medical coverage. As things change we are probably going to see more plans like this.