What does a certificate of coverage for a group health policy serve as?

A certificate of coverage for a group health policy primarily serves as proof of coverage for the employee. This document is provided to individuals covered under a group health insurance plan, typically by their employer. It details the specific benefits and coverage provided under the policy, including information about what medical services are covered and any exceptions that may apply.

While the certificate can also provide information related to dependents and eligibility, its primary purpose is to affirm that the employee is a participant in the group plan and to outline the coverage that they are entitled to receive. This is crucial, as it helps when the insured needs to access healthcare services or file claims, ensuring that they can demonstrate their valid coverage to healthcare providers.