Who may be covered under a Group Health Plan (GHP)?

A Group Health Plan (GHP) typically provides medical coverage to a broader group beyond just employees alone. The correct answer indicates that both current employees and their families, as well as former employees, may be eligible for coverage under such plans.

This inclusion reflects the common structure of GHPs, where the intent is to offer comprehensive coverage options that not only support the immediate workforce but also extend benefits to their dependents and former employees who may still need access to healthcare after leaving their jobs. GHPs often include provisions for dependent coverage, which encompasses spouses, children, or other family members of employees, thereby promoting overall family health and well-being.

In some cases, GHPs also maintain coverage for former employees as a way to manage the transition following job loss or retirement, ensuring that these individuals have access to necessary health services during a potentially vulnerable period. This is a frequent feature in many plans to comply with regulations or to retain goodwill among former employees.

Thus, the answer encompassing employees, their families, and former employees correctly captures the typical breadth of coverage provided under Group Health Plans.