As of 2015, common employee medical benefits include group health insurance plans such as preferred provider organizations and health maintenance organizations, according to About.com. Business owners may also provide employees with dental insurance, life insurance and short or long-term disability insurance.
In accordance with the Patient Protection and Affordable Care Act, business owners who employ at least 50 full-time employees must provide employee medical benefits, explains About.com. Full-time employees are those who work a minimum of 30 hours per week. Group health insurance plans typically cover wellness visits, hospitalization and emergency care.
Business owners typically allow employees to select a specific group health insurance plan by providing multiple plan options, states About.com. Employees can compare health insurance plans by deductible amounts, co-pay amounts for specific medical services and maximum out-of-pocket expenses. Employees can also compare specific medical services covered under health insurance plans such as X-rays, medical prescriptions, ambulance services and physical therapy.
Health insurance providers who manage employee medical plans for business owners must guarantee coverage to all employees, regardless of pre-existing conditions, states About.com. Some health insurance plans allow employees to list family members on the policy. However, employees who list additional family members typically pay a higher premium for coverage.