(a) As used in this subchapter, “group health insurance policy or subscriber contract” means a policy or contract that meets the following conditions:

1. (1) coverage is provided through insurance policies or subscriber contracts to classes of employees or members of an organization or group;
2. (2) the coverage is not available to the general public and can be obtained and maintained only because of the covered individual’s employment or membership in an organization or group;
3. (3) there are arrangements for bulk payment of premiums or subscription charges to the health insurer; and
4. (4) there is sponsorship of the plan by the employer, organization, or group.