Commercial
Insurers
Commercial insurers are stock and mutual life insurers and sometimes
casualty
companies. Commercial insurers have traditionally provided coverage
on a reimbursement basis but have also begun to embrace alternative
approaches. Reimbursement plans pay benefits directly to the insured,
who is
responsible for paying the providers of medical services.
Commercial insurers offer both individual and group health
insurance products.
These products include basic medical expense coverage, major medical
plans, comprehensive
medical plans, disability income policies, and other types of health
products.
