[word=However | tag=□ | □ | □]
[word=However | tag=NNS | □ | □]
Group insurance is typically offered through employers , although unions , professional associations , and other organizations also offer group insurance . Russia is contributing a small number of forces , just 1,800 of the 10,000 total , but involving a substantial naval contingent from the Russian Pacific Fleet , including a large BDK-11 assault ship , the anti-submarine warfare vessel Marshal Shaposhnikov , the destroyer Burny , and diesel submarines . His prized postal reform package went down in flames with the help of some of his own party members . Home insurance policies apply to most owner occupied single-family homes and are modified slightly for apartments and condominiums . But when people talk about health insurance , they usually mean the kind of insurance offered by employers to employees , the kind that covers medical bills , surgery , and hospital expenses . The F-22P frigates will add to the operational capabilities of the Pakistani navy and also help guard the sea boundaries of the country , according to a statement from Pakistan 's Defense Ministry . One navy official said the system could monitor large areas of the Indian Ocean , keeping an eye on Chinese ships and submarines . If you turn 65 and are covered under your working spouse 's employer group health plan , you may want to delay enrolling in Medicare Part B. Note : Group health plans of employers with 20 or more employees must offer spouses of active workers the same health benefits regardless of age or health status . Modified Coverage Form ( HO-8 ) is designed to provide package coverage to the owner-occupants of homes that do not meet all the requirements applicable to other homeowners forms . If you turn 65 , continue to work , and are covered by an employer group health plan , you may want to delay enrolling in Medicare Part B. Note : Group health plans of employers with 20 or more employees must offer active workers who are 65 or older the same health benefits provided to younger employees . Replacement cost coverage does not apply to manufactured ( i.e. mobile ) homes smaller than certain dimensions specified in the policy or to condominium units not contiguous to the ground . ) Some employers offer employees a choice of fee-for-service and managed care plans . in most cases , this includes manufactured ( i.e ., mobile ) homes that are anchored to permanent foundations , but does not include travel trailers or converted buses or vans . Industry sources say that Reliance Infocomm 's negotiating capabilities managed to bring down the equipment cost of infrastructure to under US $ 40 per subscriber from $ 100 two years back .