When would I use Coverage Options?

In each plan, you define the specific coverage choices that are available. You can define unique coverage options for different groups of employees, COBRA participants, and retirees. For example, a plan may have three options: single, two-party, and full family coverage. Full time employees and COBRA participants can elect any of the three options, part time employees may only elect single coverage, and retirees may elect single or two-party coverage.