What are most companies offering these days for medical care? - offering
My company has a health risk for the year to one or another job with a deductible of $ 1,500 or one with a deductible of $ 3,000. Both options stink. Other companies do? And there is a legal requirement for companies that supply of any kind to provide? What level of reporting is needed?
Wednesday, January 13, 2010
Offering What Are Most Companies Offering These Days For Medical Care?
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6 comments:
Employers are not obliged to offer all types of insurance. Unfortunately, premiums have shot up by employers to force, high-deductible health plans offer to reduce the cost of premiums.
CA, which requires the employer) contribute 50% of a "core" plan (ususally high deductible plan, but a greater wealth for the benefit of employees who are willing to pay the difference. Rarely, however, that the employer does not offer a high DED. Plan to plan without an election.
Example:
Core Plan HMO Insurance Co 1500 (1500 $ DED, coinsurance of 10%)
Buy-Up Insurance Co., an HMO 10 (0 $ DED, benefits paid 100%)
The employer pays 50% for HMO Insurance Co. used in 1500 ($ 150 for an employee of 29 years).
50% x 150 = $ 75 contribution will be used
1 employee wants to buy the plan ($ 250 for 29 years only employees)
250-75 = 175 $ is the contribution of workers
New offer this type of option is up, the budget, the employer is still avel to take, but allows the employees in decisions about your income and medical needs.
The ability to offer multiple plans really depends on the size of your company and the state
There is no legal obligation to provide health insurance and more. And if your employer is able to offer health insurance, there is no legal requirement that they must offer a plan with a low franchise.
And yes, many employers offer health plans high deductible. A good aspect is that many are with Health Savings Accounts (HSA) - If you decide the benefits of the plan obtained by your employer, I look to see if you have the right to establish a HSA, in conjunction with insurance.
I see hundreds of different employers benefit plans each year, and these days, what you describe is not uncommon. Sometimes the only way an employer can not afford to offer coverage to all ... aware that there are other options that some employers are simply no longer offer any kind of insurance.
There is no legal obligation to provide health insurance and more. And if your employer is able to offer health insurance, there is no legal requirement that they must offer a plan with a low franchise.
And yes, many employers offer health plans high deductible. A good aspect is that many are with Health Savings Accounts (HSA) - If you decide the benefits of the plan obtained by your employer, I look to see if you have the right to establish a HSA, in conjunction with insurance.
I see hundreds of different employers benefit plans each year, and these days, what you describe is not uncommon. Sometimes the only way an employer can not afford to offer coverage to all ... aware that there are other options that some employers are simply no longer offer any kind of insurance.
It provides in general:
Headaches! Heart Burn! and ulcers!
There is no legal requirement for companies to offer insurance, health insurance, and many have ceased altogether.
What we offer plans with deductibles are extremely high, in addition to the medical savings plans.
Employers are not obligated to provide benefits for health insurance at all.
Most employers plan to shift more cost to employees, or switch to cheaper plans. The cost of the health policy of the employers' group up to 25% - 50% per year during the last 5 or 6 years.
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