What is issued to each employee of an employer health plan?

• A. Policy
• B. Enrollment form
• C. ID card
• D. certificate

Answer: (D)

In employer-sponsored group health plans, the document that proves an individual employee is covered is the certificate of insurance. The insurer issues the master policy to the employer, but each employee doesn’t receive the policy itself. Instead, a certificate of insurance is issued to the employee (and often to dependents) and serves as the personalized evidence of their coverage, outlining benefits, exclusions, effective dates, and who is covered. An enrollment form is used for applying or updating who is covered, and while many plans also provide ID cards for convenience at the point of service, the formal document that evidences coverage is the certificate.