What type of insurers does the category "Commercial payers" include?

The category "Commercial payers" primarily refers to private health insurance companies that provide coverage to individuals and groups, in contrast to government-sponsored programs like Medicare or Medicaid. Employer-based group health insurers fall under this category because they are typically commercial entities that offer health insurance plans to employees as part of their employee benefits.

These plans are funded by employers or employees and operate on profit motives, which distinguishes them from public programs. This means that employer-based group health insurers are designed to meet the needs of a specific group, often leading to a wide variety of plan options with different coverage levels, costs, and benefits tailored to the workforce they serve.

In contrast, Medicare and Medicaid are government programs that provide insurance to specific populations such as seniors, low-income individuals, and those with disabilities, and TriCare serves military personnel and their families. Blue Cross Blue Shield, while a major commercial insurer, includes both commercial and government-related insurance products, therefore it's not exclusively classified under commercial payers.

Overall, the focus on employer-based group health insurers accurately reflects the essence of what commercial payers entail.