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What are employee health benefits?
What are employee health benefits?
Employee health benefits are products or services that an employer offers to their employees to promote their health and wellbeing. The most important employee health benefit, and one that is often required for the employer to offer, is medical insurance.
Employee health benefits are products or services that an employer offers to their employees to promote their health and wellbeing. The most important employee health benefit, and one that is often required for the employer to offer, is medical insurance.
Which employees are eligible for employee benefits?
Which employees are eligible for employee benefits?
Full-Time Employees working 30+ hours per week are eligible to participate in medical, dental, vision, EAP, Allstate, pet, and legal benefits.
Full-Time Employees working 30+ hours per week are eligible to participate in medical, dental, vision, EAP, Allstate, pet, and legal benefits.
Part-Time Employees are eligible to participate in Allstate, pet, and legal benefits.
Part-Time Employees are eligible to participate in Allstate, pet, and legal benefits.
Newly Hired Employees must elect benefits within 30 days of your hire date. Elections will take effect the first of the month following 60 days of employment.
Newly Hired Employees must elect benefits within 30 days of your hire date. Elections will take effect the first of the month following 60 days of employment.
Which dependents are eligible for benefits?
Which dependents are eligible for benefits?
Eligible employees may cover the following dependents:
Eligible employees may cover the following dependents:
- Your Spouse
- Children up to age 26
- Natural Children
- Legally Adopted Children
- Stepchildren
- Foster Children
- Children Covered by a Qualified Medical Child Support Order (QMCSO)
- Other Children you are Legal Guardian for
- Disabled Children over age 26
- If unmarried, incapable of self-support, or dependent on you for primary support if a disability occurs before age 26
- Same and Opposite Sex Domestic Partners
- Common Law Spouses
- Civil Union Spouses
To help control the cost of healthcare and meet plan contract obligations, your company may preform periodic reviews to verify the eligibility of family members to be enrolled in the benefits available. Your company and the insurance carriers reserve the right to request documentation to verify eligibility. This includes by is not limited to marriage certificates, birth certificates, or other legal documents.
When can I enroll in employee health insurance?
When can I enroll in employee health insurance?
For health benefits through your employer, you must enroll or decline to enroll only during the following times:
For health benefits through your employer, you must enroll or decline to enroll only during the following times:
- Annually, during your employer’s open enrollment period
- Within 30 days of your hire date
- Within 30 days of a Qualifying Life Event (QLE)
When may I enroll my dependents in health insurance?
When may I enroll my dependents in health insurance?
For health benefits through your employer, you must enroll your dependents only during the following times:
For health benefits through your employer, you must enroll your dependents only during the following times:
- Annually, during your employer’s open enrollment period
- Within 30 days of your hire date
- Within 30 days of a Qualifying Life Event (QLE)
What is a qualifying life event (QLE)?
What is a qualifying life event (QLE)?
A qualifying life event is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible to enroll in health insurance outside the yearly open enrollment period.
A qualifying life event is a change in your situation — like getting married, having a baby, or losing health coverage — that can make you eligible to enroll in health insurance outside the yearly open enrollment period.
There are 4 basic types of qualifying life events. The following are examples, not a full list.
There are 4 basic types of qualifying life events. The following are examples, not a full list.
Loss of health coverage
Loss of health coverage
Losing existing health coverage, including job-based, individual, and student plans
Losing existing health coverage, including job-based, individual, and student plans
Losing eligibility for Medicare, Medicaid, or CHIP
Losing eligibility for Medicare, Medicaid, or CHIP
Turning 26 and losing coverage through a parent’s plan
Turning 26 and losing coverage through a parent’s plan
Changes in household
Changes in household
Getting married or divorced
Getting married or divorced
Having a baby or adopting a child
Having a baby or adopting a child
Death in the family
Death in the family
Changes in residence
Changes in residence
Moving to a different ZIP code or county
Moving to a different ZIP code or county
A student moving to or from the place they attend school
A student moving to or from the place they attend school
A seasonal worker moving to or from the place they both live and work
A seasonal worker moving to or from the place they both live and work
Moving to or from a shelter or other transitional housing
Moving to or from a shelter or other transitional housing
Other qualifying events
Other qualifying events
Changes in your income that affect the coverage you qualify for
Changes in your income that affect the coverage you qualify for
Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
Becoming a U.S. citizen
Becoming a U.S. citizen
Leaving incarceration (jail or prison)
Leaving incarceration (jail or prison)
AmeriCorps members starting or ending their service
AmeriCorps members starting or ending their service
What is health insurance?
What is health insurance?
Health insurance is a contract (an insurance policy) between a consumer and health insurer (an insurance company) that requires your health insurer to pay some or all of your health care costs in exchange for a premium (the consumer’s cost for the policy)
Health insurance is a contract (an insurance policy) between a consumer and health insurer (an insurance company) that requires your health insurer to pay some or all of your health care costs in exchange for a premium (the consumer’s cost for the policy)
Why get health insurance?
Why get health insurance?
For most people, buying health insurance is a way to mitigate financial risk. With health insurance, not only do you get benefits which you can use all the time, but you are also protected from unexpected high medical costs that may arise.
For most people, buying health insurance is a way to mitigate financial risk. With health insurance, not only do you get benefits which you can use all the time, but you are also protected from unexpected high medical costs that may arise.
What is "open enrollment" or the "enrollment period"?
What is "open enrollment" or the "enrollment period"?
Open enrollment is the time of year that you may elect to enroll or decline enrollment in the upcoming new annual insurance plan - since health insurance plans only last one year. During open enrollment you may also add or subtract benefits or dependents.
Open enrollment is the time of year that you may elect to enroll or decline enrollment in the upcoming new annual insurance plan - since health insurance plans only last one year. During open enrollment you may also add or subtract benefits or dependents.
What is the difference between an HMO plan and a PPO plan?
What is the difference between an HMO plan and a PPO plan?
Both HMO and PPO use a network of physicians, hospitals and other health care professionals to give you care. The difference between them is the way you interact with those networks.
Both HMO and PPO use a network of physicians, hospitals and other health care professionals to give you care. The difference between them is the way you interact with those networks.
HMO or Health Maintenance Organization is a type of health insurance plan that limits coverage to specific doctors who work for or with that particular HMO network. It generally won't cover out-of-network care except in an emergency. Out-of-network refers to doctors that are not associated with this particular HMO.
HMO or Health Maintenance Organization is a type of health insurance plan that limits coverage to specific doctors who work for or with that particular HMO network. It generally won't cover out-of-network care except in an emergency. Out-of-network refers to doctors that are not associated with this particular HMO.
With an HMO plan, you pick one primary care physician. All your health care services go through that doctor. That means that you need a referral before you can see any other health care professional, except in an emergency.
With an HMO plan, you pick one primary care physician. All your health care services go through that doctor. That means that you need a referral before you can see any other health care professional, except in an emergency.
For example, if you get a skin rash, you wouldn’t go straight to a dermatologist. You would first go to your primary care physician, who‘d examine you. If your primary care physician can’t help you, he or she will give you a referral to a trusted dermatologist in your network.
For example, if you get a skin rash, you wouldn’t go straight to a dermatologist. You would first go to your primary care physician, who‘d examine you. If your primary care physician can’t help you, he or she will give you a referral to a trusted dermatologist in your network.
One exception to this is that women don’t need a referral to see an obstetrician/gynecologist, or OB/GYN, in their network for routine services such as Pap tests, annual well-woman visits and obstetrical care.
One exception to this is that women don’t need a referral to see an obstetrician/gynecologist, or OB/GYN, in their network for routine services such as Pap tests, annual well-woman visits and obstetrical care.
PPO or Preferred Provider Organization is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers.
PPO or Preferred Provider Organization is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers.
Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you'll have higher out-of-pocket costs, and not all services may be covered.
Staying inside your network means smaller copays and full coverage. If you choose to go outside your network, you'll have higher out-of-pocket costs, and not all services may be covered.
PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral—inside or outside of your network.
PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral—inside or outside of your network.
Is HMO or PPO right for me?
Is HMO or PPO right for me?
If you prefer to have your care coordinated through a single doctor, an HMO plan might be right for you. And if you want greater flexibility or if you see a lot of specialists, a PPO plan might be what you’re looking for.
If you prefer to have your care coordinated through a single doctor, an HMO plan might be right for you. And if you want greater flexibility or if you see a lot of specialists, a PPO plan might be what you’re looking for.
What are premiums?
What are premiums?
Premiums are the cost of your insurance coverage.
Premiums are the cost of your insurance coverage.
What is a deductible?
What is a deductible?
A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.
After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.
Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan details.
Many plans pay for certain services, like a checkup or disease management programs, before you've met your deductible. Check your plan details.
Health plans always pay the full cost of certain preventive benefits, even before you meet your deductible.
Health plans always pay the full cost of certain preventive benefits, even before you meet your deductible.
Some plans have separate deductibles for certain services, like prescription drugs.
Some plans have separate deductibles for certain services, like prescription drugs.
Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.
Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.
Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles.
Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles.
What is a copayment (copay)?
What is a copayment (copay)?
A copayment or copay, is fixed amount i.e. $20 that you pay for a covered health care service after you've paid your deductible.
A copayment or copay, is fixed amount i.e. $20 that you pay for a covered health care service after you've paid your deductible.
Let's say your health insurance plan's allowable cost for a doctor's office visit is $100. Your copayment for a doctor visit is $20.
Let's say your health insurance plan's allowable cost for a doctor's office visit is $100. Your copayment for a doctor visit is $20.
If you've paid your deductible: You pay $20, usually at the time of the visit.
If you've paid your deductible: You pay $20, usually at the time of the visit.
If you haven't met your deductible: You pay $100, the full allowable amount for the visit.
If you haven't met your deductible: You pay $100, the full allowable amount for the visit.
Copayments can vary for different services within the same plan, like drugs, lab tests, and visits to specialists.
Copayments can vary for different services within the same plan, like drugs, lab tests, and visits to specialists.
Generally plans with lower monthly premiums have higher copayments. Plans with higher monthly premiums usually have lower copayments.
Generally plans with lower monthly premiums have higher copayments. Plans with higher monthly premiums usually have lower copayments.
What is Coinsurance?
What is Coinsurance?
Coinsurance is the percentage of costs of a covered health care service you pay (i.e. 20%) after you've paid your deductible.
Coinsurance is the percentage of costs of a covered health care service you pay (i.e. 20%) after you've paid your deductible.
Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%.
Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%.
If you've paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.
If you've paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.
If you haven't met your deductible: You pay the full allowed amount, $100.
If you haven't met your deductible: You pay the full allowed amount, $100.
Example of coinsurance with high medical costs
Example of coinsurance with high medical costs
Let's say the following amounts apply to your plan and you need a lot of treatment for a serious condition. Allowable costs are $12,000.
Let's say the following amounts apply to your plan and you need a lot of treatment for a serious condition. Allowable costs are $12,000.
Deductible: $3,000
Deductible: $3,000
Coinsurance: 20%
Coinsurance: 20%
Out-of-pocket maximum: $6,850
Out-of-pocket maximum: $6,850
You'd pay all of the first $3,000 (your deductible).
You'd pay all of the first $3,000 (your deductible).
You'll pay 20% of the remaining $9,000, or $1,800 (your coinsurance).
You'll pay 20% of the remaining $9,000, or $1,800 (your coinsurance).
So your total out-of-pocket costs would be $4,800 — your $3,000 deductible plus your $1,800 coinsurance.
So your total out-of-pocket costs would be $4,800 — your $3,000 deductible plus your $1,800 coinsurance.
If your total out-of-pocket costs reach $6,850, you'd pay only that amount, including your deductible and coinsurance. The insurance company would pay for all covered services for the rest of your plan year.
If your total out-of-pocket costs reach $6,850, you'd pay only that amount, including your deductible and coinsurance. The insurance company would pay for all covered services for the rest of your plan year.
Generally speaking, plans with low monthly premiums have higher coinsurance, and plans with higher monthly premiums have lower coinsurance.
Generally speaking, plans with low monthly premiums have higher coinsurance, and plans with higher monthly premiums have lower coinsurance.
What is an insurance network?
What is an insurance network?
A health insurance network refers to the facilities, providers and suppliers that your health insurer or plan has contracted with to provide health care services.
A health insurance network refers to the facilities, providers and suppliers that your health insurer or plan has contracted with to provide health care services.
What is the out-of-pocket maximum limit?
What is the out-of-pocket maximum limit?
The out-of-pocket max limit is the most you would ever have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
The out-of-pocket max limit is the most you would ever have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
The out-of-pocket limit doesn't include:
The out-of-pocket limit doesn't include:
Your monthly premiums
Your monthly premiums
Anything you spend for services your plan doesn't cover
Anything you spend for services your plan doesn't cover
Out-of-network care and services
Out-of-network care and services
Costs above the allowed amount for a service that a provider may charge
Costs above the allowed amount for a service that a provider may charge
The out-of-pocket limit for plans varies, but can’t go over a set amount each year.
The out-of-pocket limit for plans varies, but can’t go over a set amount each year.
For example:
For example:
For the 2023 plan year: The out-of-pocket limit for a plan can’t be more than $9,100 for an individual and $18,200 for a family.
For the 2023 plan year: The out-of-pocket limit for a plan can’t be more than $9,100 for an individual and $18,200 for a family.
For the 2022 plan year: The out-of-pocket limit for a plan can’t be more than $8,700 for an individual and $17,400 for a family.
For the 2022 plan year: The out-of-pocket limit for a plan can’t be more than $8,700 for an individual and $17,400 for a family.
What is dental insurance?
What is dental insurance?
Dental insurance refers to benefits that help pay for the cost of visits to a dentist for basic or preventive services, like teeth cleaning, X-rays, and fillings.
Dental insurance refers to benefits that help pay for the cost of visits to a dentist for basic or preventive services, like teeth cleaning, X-rays, and fillings.
What is vision insurance?
What is vision insurance?
Vision insurance is a health benefit that at least partially covers vision care, like eye exams and glasses.
Vision insurance is a health benefit that at least partially covers vision care, like eye exams and glasses.
What is an HSA?
What is an HSA?
An HSA or Health Savings Account is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs. HSA funds generally may not be used to pay premiums.
An HSA or Health Savings Account is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs. HSA funds generally may not be used to pay premiums.
If your employer offers HSA, they will have a relationship with a financial institution that will administer it for you.
If your employer offers HSA, they will have a relationship with a financial institution that will administer it for you.
While you can use the funds in an HSA at any time to pay for qualified medical expenses, you may contribute to an HSA only if you have a High Deductible Health Plan (HDHP) — generally a health plan that only covers preventive services before the deductible. For plan year 2024, the minimum deductible for an HDHP is $1,600 for an individual and $3,200 for a family. When you view plans, you can see if they’re "HSA-eligible".
While you can use the funds in an HSA at any time to pay for qualified medical expenses, you may contribute to an HSA only if you have a High Deductible Health Plan (HDHP) — generally a health plan that only covers preventive services before the deductible. For plan year 2024, the minimum deductible for an HDHP is $1,600 for an individual and $3,200 for a family. When you view plans, you can see if they’re "HSA-eligible".
For 2024, if you have an HDHP, you can contribute up to $4,150 for self-only coverage and up to $8,300 for family coverage into an HSA. HSA funds roll over year to year if you don't spend them. An HSA may earn interest or other earnings, which are not taxable.
For 2024, if you have an HDHP, you can contribute up to $4,150 for self-only coverage and up to $8,300 for family coverage into an HSA. HSA funds roll over year to year if you don't spend them. An HSA may earn interest or other earnings, which are not taxable.
Some health insurance companies offer HSAs for their High Deductible Health Plan (HDHPs). Check with your employer. You can also open an HSA through some banks and other financial institutions.
Some health insurance companies offer HSAs for their High Deductible Health Plan (HDHPs). Check with your employer. You can also open an HSA through some banks and other financial institutions.
What is a Dependent Care FSA?
What is a Dependent Care FSA?
A dependent care flexible spending account (DCFSA) lets participants set aside pre-tax dollars to help pay for dependent care. Contributing to this benefit reduces taxable income and spreads the benefits of pre-tax dollars throughout the year, helping you save 30 percent or more on your dependent care costs. A household can contribute up to $5,000 annually to their DCFSA account. Individuals (if married but filing separately) can contribute up to $2,500 annually to their DCFSA account. DCFSA funds can only be used on qualifying dependent care costs for qualifying dependents (children under 13 and adult dependents who are not capable of caring for themselves). All funds must be used prior to the end of the year or else they will be lost.
A dependent care flexible spending account (DCFSA) lets participants set aside pre-tax dollars to help pay for dependent care. Contributing to this benefit reduces taxable income and spreads the benefits of pre-tax dollars throughout the year, helping you save 30 percent or more on your dependent care costs. A household can contribute up to $5,000 annually to their DCFSA account. Individuals (if married but filing separately) can contribute up to $2,500 annually to their DCFSA account. DCFSA funds can only be used on qualifying dependent care costs for qualifying dependents (children under 13 and adult dependents who are not capable of caring for themselves). All funds must be used prior to the end of the year or else they will be lost.
What is the difference between individual insurance plans and group (employer) insurance plans?
What is the difference between individual insurance plans and group (employer) insurance plans?
Individual health insurance plans are plans that you buy from the insurance company for you and/or your dependents. The time to enroll in these plans are either during annual open enrollment (Nov 1 - January 31), or within 60 days of a qualifying life event.
Individual health insurance plans are plans that you buy from the insurance company for you and/or your dependents. The time to enroll in these plans are either during annual open enrollment (Nov 1 - January 31), or within 60 days of a qualifying life event.
Group plans are plans that your employer is buys from the insurance company, and employees can enroll. You are able to enroll in group plans during your employers annual open enrollment, which can be any time of the year, depending on when your group's insurance plan was started, or within 60 days of hire, or within 60 days of a qualifying life event.
Group plans are plans that your employer is buys from the insurance company, and employees can enroll. You are able to enroll in group plans during your employers annual open enrollment, which can be any time of the year, depending on when your group's insurance plan was started, or within 60 days of hire, or within 60 days of a qualifying life event.
Group insurance plans are often different than the individual health plans that you can buy on your own.
Group insurance plans are often different than the individual health plans that you can buy on your own.
How do I pay for my employee health insurance?
How do I pay for my employee health insurance?
Your health insurance or other benefit costs will be deducted from your paycheck by your employer.
Your health insurance or other benefit costs will be deducted from your paycheck by your employer.
Will my employer help pay for my health insurance?
Will my employer help pay for my health insurance?
Your employer can and sometimes must pay for some of your health benefits.
Your employer can and sometimes must pay for some of your health benefits.
What are pre-tax deductions?
What are pre-tax deductions?
Pre-tax deductions are monies taken from an employee’s paycheck before any taxes are withheld, since they are being used to pay for something that qualifies for pre-tax. Types of pre-tax deductions include, health insurance, group-term life insurance and retirement plans. Because they are excluded from gross pay for taxation purposes, pre-tax deductions reduce taxable income and the amount of money owed to the government. To put it simply; you are taxed on what you earn, but if your tax is spent in a pre-tax way, it is as if you didn’t earn it, so you won’t pay taxes on it. Pre-tax contributions can save them considerable money compared to what they would pay for benefits and other services post-tax.
Pre-tax deductions are monies taken from an employee’s paycheck before any taxes are withheld, since they are being used to pay for something that qualifies for pre-tax. Types of pre-tax deductions include, health insurance, group-term life insurance and retirement plans. Because they are excluded from gross pay for taxation purposes, pre-tax deductions reduce taxable income and the amount of money owed to the government. To put it simply; you are taxed on what you earn, but if your tax is spent in a pre-tax way, it is as if you didn’t earn it, so you won’t pay taxes on it. Pre-tax contributions can save them considerable money compared to what they would pay for benefits and other services post-tax.
What are post tax deductions?
What are post tax deductions?
Post tax deductions are monies taken from an employee’s paycheck, after all required taxes have been taken, to pay for something that does not have pre tax status. Common examples include additional employee insurances such as disability insurance, union dues, and wage garnishments.
Post tax deductions are monies taken from an employee’s paycheck, after all required taxes have been taken, to pay for something that does not have pre tax status. Common examples include additional employee insurances such as disability insurance, union dues, and wage garnishments.
What is group term life insurance?
What is group term life insurance?
Group term life insurance is life insurance that is generally only in effect for as long as the employee is employed. If a person has a life insurance policy, and then passes away, the face value (the dollar amount) of the policy will be given to the person’s beneficiaries. The value of group term life insurance is usually between $10,000 to $150,000 per person.
Group term life insurance is life insurance that is generally only in effect for as long as the employee is employed. If a person has a life insurance policy, and then passes away, the face value (the dollar amount) of the policy will be given to the person’s beneficiaries. The value of group term life insurance is usually between $10,000 to $150,000 per person.
What are Additional Employee Insurances?
What are Additional Employee Insurances?
Additional Employee Insurances, also called supplemental insurances, are different types of insurance coverage that can be of great benefit to an employee. The cost of these benefits are deducted from your paycheck, just like with regular health insurance benefits. Your payments for additional insurances are considered post tax spending.
Additional Employee Insurances, also called supplemental insurances, are different types of insurance coverage that can be of great benefit to an employee. The cost of these benefits are deducted from your paycheck, just like with regular health insurance benefits. Your payments for additional insurances are considered post tax spending.
Additional Insurances include the following:
Additional Insurances include the following:
- Accident Insurance
Accident insurance pays a cash benefit if you or a covered dependent is injured in an on or off-the-job accident. Benefits are available at three levels to meet your needs.
Accident insurance pays a cash benefit if you or a covered dependent is injured in an on or off-the-job accident. Benefits are available at three levels to meet your needs.
- Critical Illness Insurance
Critical Illness insurance pays a lump sum cash benefit upon diagnosis of specified conditions including but not limited to cancer diagnosis, heart attack, stroke, and others. This benefit also includes a wellness benefit for routine screenings and exams once per year. Benefits are available in $10,000, $20,000, and $30,000 levels.
Critical Illness insurance pays a lump sum cash benefit upon diagnosis of specified conditions including but not limited to cancer diagnosis, heart attack, stroke, and others. This benefit also includes a wellness benefit for routine screenings and exams once per year. Benefits are available in $10,000, $20,000, and $30,000 levels.
- Hospital Indemnity Insurance
Hospital Indemnity insurance pays a cash benefit when an employee or covered dependent is confined to a hospital for either an accidental injury or an illness. Benefits are available at two levels to meet your needs.
Hospital Indemnity insurance pays a cash benefit when an employee or covered dependent is confined to a hospital for either an accidental injury or an illness. Benefits are available at two levels to meet your needs.
- Short-Term Disability Insurance
Short-Term Disability insurance pays a cash benefit when an employee is out of work for either an illness or an off-the-job accidental injury. Employees can select their elimination period and monthly benefit amount to meet their needs. Works alongside your California disability benefits.
Short-Term Disability insurance pays a cash benefit when an employee is out of work for either an illness or an off-the-job accidental injury. Employees can select their elimination period and monthly benefit amount to meet their needs. Works alongside your California disability benefits.
- Whole Life Insurance
Whole Life insurance pays a lump sum cash value upon the death of a covered individual. Whole Life insurance also builds a cash value which can be borrowed against. This coverage also includes an accelerated benefit for diagnosis of terminal illnesses. Riders are available for spouses.
Whole Life insurance pays a lump sum cash value upon the death of a covered individual. Whole Life insurance also builds a cash value which can be borrowed against. This coverage also includes an accelerated benefit for diagnosis of terminal illnesses. Riders are available for spouses.
- Term to 100 Life Insurance
Term to 100 is a special type of term life insurance. It pays a lump sum cash value upon the death of a covered individual. Term to 100 life insurance premiums remain level to age 100 unless you change your benefit. This coverage also includes an accelerated benefit for diagnosis of terminal illness and riders available for spouses and children.
Term to 100 is a special type of term life insurance. It pays a lump sum cash value upon the death of a covered individual. Term to 100 life insurance premiums remain level to age 100 unless you change your benefit. This coverage also includes an accelerated benefit for diagnosis of terminal illness and riders available for spouses and children.
What are some resources regarding health insurance?
What are some resources regarding health insurance?
Below are great links regarding health insurance.
Below are great links regarding health insurance.
Can I get help paying my hospital bill, once insurance has already paid their portion?
Can I get help paying my hospital bill, once insurance has already paid their portion?
If the hospital is a non-profit, the hospital is requred to have a financial assitiance program. Make sure to contact your hospital about this.
If the hospital is a non-profit, the hospital is requred to have a financial assitiance program. Make sure to contact your hospital about this.
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