1. A traditional indemnity (fee-for-service) health plan generally allows the insured to:

Choose any provider, with the plan paying a share of covered charges

An indemnity plan lets the insured choose providers freely while the plan reimburses a share of covered charges.

2. Group health insurance is typically underwritten based on:

The characteristics and experience of the group as a whole

Group coverage is generally underwritten on the group as a whole rather than requiring individual evidence of insurability.

3. In a noncontributory group health plan, the premiums are paid:

Only by the employees

In a noncontributory plan the employer pays the entire premium, and participation is typically 100 percent of eligible employees.

4. An actively-at-work provision in a group health plan requires that an employee:

Be actively at work on the date coverage is to take effect

The actively-at-work provision conditions the start of an employee's coverage on being actively at work on the effective date.