Which document is issued to each employee under an employer health plan?

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

Answer: (C)

In a group health plan, the employer holds the master policy with the insurer, and each employee is given a certificate of coverage. This certificate serves as proof of the individual’s eligibility and outlines the benefits, cost sharing, and other details of the coverage. Enrollment forms are used to enroll people into the plan, the policy itself is the master contract between employer and insurer, and while ID cards are handy for provider visits, they’re not the formal document that evidences each person’s coverage. That formal document is the certificate of coverage.