Group medical for basic coverage comes in two basic forms.  One is a minimum essential coverage (MEC)  plan that provides preventative care and a limited number of visits to doctors, specialists and urgent care facilities.  Often these plans do not offer hospitalization benefit or offer a limited benefit.  Generally, these are the lowest cost plans available though the common practice of the providers is to add other features such as discount pharmacy or phone access to a medical professional.   The other basic medical is a fully insured plan with high deductibles and restricted networks.  These plans will include hospitalization.