> Zap wrote:
> All depends on the insurance plan I guess.
>

Well, just to be a bit geeky ...

It depends on the plan the company wants to create based on the
coverage it wants to offer its employees.  For example UPS may want to
offer more attractive coverage than FedEx does.

Typically the "insurance company" is simply the administrator of the
plan that the employer creates and doesn't even do the *insurance*
since, say, UPS is self-insured.

In other words, the company decides what the eligibility is, who's
covered and for what, what the co-pay is, how much you pay for child
birth, et al.

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