Under group health insurance, a certificate of coverage is issued to the employee.

• A. Employee
• B. Employer
• C. Insurance company
• D. Dependent

Answer: (A)

In a group health plan the contract is between the insurer and the employer, known as the master policy. The person who actually uses the benefits—the employee—receives a certificate of coverage. This certificate serves as the employee’s proof of insurance under that master policy, outlining what’s covered, eligibility, and other plan details.

So the certificate is issued to the employee because it provides the individual with evidence of their coverage under the group plan. The employer holds the master policy, not the certificate, and dependents may be listed on the certificate, but the primary recipient for proof of coverage is the employee.