While your employer has provided you with health insurance, it may not cover all the bases. There are certain medical issues that require more coverage. You can purchase limited insurance benefit, which acts as a supplement to your coverage. It covers stays in the hospital and bills from doctors.
Group insurance plans benefit both the employer and the employee. They cover everyone and provides protection in case of an unforeseen circumstance. For the employer, a group plan is a good way to keep and attract employees. It makes the compensation package more attractive. For the employee, there is an assurance that you have access to a lot of benefits.