Group health insurance is available through employers and other organizations, and all or part of the premium costs are paid by employers. Employer-based group health insurance __________.
a) prohibits employer-limited plan options, such as a prescription drug plan that covers a certain list of medications, which is called a formulary
b) requires exclusions for pre-existing conditions, which means the payer excludes all employees from coverage for pre-existing conditions
c) excludes COBRA continuation coverage upon employee resignation or another qualifying event and lasts for 18 to 36 months, depending on the employee's situation
d) covers all employees, regardless of health status, and cannot be canceled if an employee becomes ill