What does "blanket coverage" refer to in health insurance?

"Blanket coverage" in health insurance refers to coverage that includes all members of a group. This type of coverage is typically applicable in scenarios where an organization, such as a school or employer, provides health insurance for all its members under one policy. By encompassing everyone within the group, blanket coverage ensures that all individuals have access to necessary health services without the need for separate policies for each member.

This is particularly beneficial for collective entities, as it simplifies the administration of health benefits and often helps to lower costs for the participants. It contrasts with coverage that might be limited to specific treatments or certain high-risk individuals, as blanket coverage is designed to be inclusive rather than exclusive.