New Jersey Life and Health State Practice Exam

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

1. Policy statement

2. Certificate

3. Enrollment form

4. Insurance card

The correct answer is: Certificate

The correct answer is that a certificate is issued to each employee of an employer health plan. This certificate serves as a summary of the health insurance coverage provided under the employer's plan. It details the benefits, coverage limits, and the rights and obligations of the policyholder. Employees receive this document to understand their coverage and how to access healthcare services under the employer-sponsored plan. The other options do not accurately represent the document typically issued to employees. A policy statement refers to the comprehensive outline of the insurance contract but is not specifically distributed to individual employees. An enrollment form is used when employees sign up for the plan, but it is not a document that summarizes benefits or coverage details. An insurance card, while important for identification and access to healthcare services, is not issued as a formal summary of the plan’s details like the certificate is. Therefore, in the context of employer health plans, the certificate is the key document provided to each employee.