What is employer provided health insurance coverage?
It is exactly what it says. The EMPLOYER provides health insuance coverage if you desire to avail yourself of it. The employer MAY cover all of the cost, some of the cost or none of the cost. But, because you are part of a group insurance plan, the cost will generally be less than finding a policy on your own.
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Private health insurance is an alternative to government issued health insurance. It can be provided through a union or employer or one can purchase it from a private health insurance company.
Can you drop your health insurance coverage at anytime from your employer? Read more: http://wiki.answers.com/Q/Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer#ixzz1d7yLrC9k
The primary coverage is provided under the plan provided by the employer. Secondary coverage is usually a result of being covered as a dependent under someone else's health insurance plan.
The Cobra health insurance temporarily extends the coverage by your sponsor or employer. This implies that you can get it after a loss of a job or loss of benefits.
Can your employer's health insurance require your husband to take his employer's health insurance if his is not free and not as good as yours?
My employer requires that my husband participate in his company's health insurance or they will drop him from their insurance. Insurance is a choice offered as a benefit by the employer because the employer is paying a portion of the cost to be insured. You do not have to participate if you don't want to. Also, the question being answered is that can an employer force an employee's spouse to take coverage offered elsewhere: NO… Read More
Once per year, individuals who receive health insurance through their employer have the option to change their coverage or keep their current coverage.
Cobra is the health insurance taken by an individual to replace his employer subsidized health insurance while shifting between two jobs, in order to maintain his status of continuous coverage.
The best health insurance plans are HMO's which are provided by an employer. These include Anthem as well as Aetna.
Can an employer in OH legally deny coverage for a spouse if the spouse's employer offers health insurance?
Generally insurance coverage should be offered to an employees spouse. It does not matter if they are offered coverage from their employer whereas it provides an additional option in case 1 plan is more affordable than the other.
Can an employer legally deny coverage for a spouse if the spouse's employer offers health insurance and the spouse is pregnant?
No. See link for citation.
When your company offers health insurance are you required by law to have health coverage to work Do you have to opt in?
If you are required by law to carry insurance, you can either have it through the employer or provide your own. They cannot legally force you to opt in to their coverage.
Perhaps the most beneficial reason is that someone else is paying all or a portion of your health insurance costs for you. Even if your employer pays 50% of your health insurance cost that's 50% less that you don't have to pay directly out of your pocket with post-tax $. Employer coverage is definitely a lot more limited on the choices of benefits & plans as opposed to the myriad of choices available if you… Read More
Insurance companies have the legal right to terminate insurance coverage when the monthly premium is not paid as agreed.
If your employer offers health insurance and you opt not to have it are they required to compensate you for the cost of a premium?
No. Keep in mind that insurance coverage is very expensive and the employer, as a rule bears the largest amount.
In many countries, such as those in Europe, health coverage is provided by the state as a basic human right. Anyone living in a country that does not provide free health care would need to buy health coverage from an insurance company. Many such countries have insurance companies specializing health care insurance.
employer-provided benefits like health insurance and pensions.
Humana is considered to be one of the best health insurance providers in the United States, but the level of coverage varies between plans. If you purchase yourself you can decide on the amount of coverage vs. cost, but if you get it through an employer they will decide your level of coverage themselves.
Assuming the employer offers coverage to spouses, then the employer would not have the right to turn a spouse away. The spouse's loss of coverage is a "qualifying event" and the employer's insurer would allow the spouse to join.
Small business health insurance may take a huge chunk out of your revenue. Health insurance companies must sell you any small employer health plan they sell to other small employers in your state. Group health insurance is employer-sponsored health coverage for business owners, employees and often for dependents.
Employers only have to provide health insurance if they meet certain legal requirements. A business must have a certain number of full-time employees for it to be required to provide insurance for health coverage.
Short term health insurance is temporary coverage designed to fill gaps in coverage. Short term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs, waiting for other health insurance to start, so if that is the case then you may want to look into it.
Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
Under most circumstances you can drop coverage at open enrollment. You can check with your benefits administrator to see if there are any qualifying events that may allow you to drop earlier. Also, in some circumstances you can not drop coverage even if you want to. Here in CA if the employer's health insurance contract calls for the employer to pay 100% of the employees premium the employee can not decline coverage. Very often you… Read More
Can you receive financial compensation from your employer if you do not take your employer's health insurance?
Yes. A company may offer a credit if you decline insurance as long as you have other coverage. If you dont have other coverage you can't opt out of insurance if offered by your company
Yes. Depends on company rules and if it's HMO or PPO coverage.
Yes, you are allowed to refuse to be covered by the employer's plan. They may ask you for proof of coverage elsewhere, which you may or may not have. The insurance carrier wants this, in order to know that people are not dropping out for other reasons. Even if you do not have coverage elsewhere, you can still refuse to join the employer's plan.
a medical/health coverage insurance for a policy holder and his/her dependent that can be paid for privately or by your employer. A deductible is paid for services like doctor appointments or ER visits.
Individual health coverage can be bought from many health insurance providers. A health insurance provider that sells individual health coverage is Kaiser Permanente.
This is determined by the employer who is paying the premiums for coverage. If there is a local domestic partnership registry available, then the requirement is usually a certificate of registration of domestic partnership. Otherwise, the requirement can be merely a notarized affidavit of domestic partnership in a format prescribed by the employer. Assuming the policy that has been purchased by the employer offers domestic partner coverage, then the insurance company will provide coverage to… Read More
Your employer cannot legally cancel your health insurance without your knowledge. If an employer chooses to cancel your health insurance he or she must notify you.
Can the child of a non custodial father living out of state get state provided health insurance coverage in their home state?
No, they can't force you to buy it from your job. You can buy your health insurance wherever you want too. That's between you and the insurance company you choose to purchase coverage from.
No - a employer does not have to pay health insurance.
Spousal carve out is when an employer has a provision in their health insurance plan by which they deny coverage of an employee's spouse if he/she qualifies for, whether declined by him/her or not, coverage under another plan.
Yes and no, depends on the circumstances. Are they similar situated individuals? Does the employer care about the premiums being tax deductible?
If a health insurance plan covers domestic partners does a employer that carries that insurance have the right to deny coverage?
A health insurance plan is designed based on what the employer wants. So if a plan says that domestic partners are covered then the employer group is the one that put that wording in the policy. So if an employer wont cover a domestic partner then domestic partners aren't covered company wide.
When is the best time to make doctor appointments when current employer-provided health coverage is being replaced with new coverage?
I don't see that it's an issue. Is there a difference in coverage from one plan to the other?
If this is a private policy that you have purchased on your own, then you can most certainly obtain domestic partner coverage, although you may have to change policies or even insurance providers. If this refers to coverage provided to you by your employer, then the answer is depends upon two factors: (1) whether your employer is willing to pay for the additional cost of coverage; and, (2) whether the current policy provides for domestic… Read More
Yes, unless you are being provided health insurance by your employer in which case they determine what you are allowed to have because it is based on a company package that they purchased in whole. You are now the master of your own health insurance thanks to Obama Care
It depends on where you are as to how you get your insurance. In the United States, your employer ether has health insurance available or does not have health insurance available. Some musicians work for an employer who provide health insurance. Many do not provide it.
United Medical Resources Insurance offers basic health care policies designed for the individual or small companies and corporations. Particular policies will vary from person to person or employer to employer.
The employer does not have to pay for the spouse's coverage. It can be offered to the employee and the cost taken from his/her paycheck to cover the spouse. There is no legal requirement for the employer to offer coverage for spouses -- even at the employee's expense. However, it would be very unusual for a plan to cover only employees and not have coverage available for spouses and children.
If you are denied temporary health insurance can you still be eligible for insurance from the same company when you start your new job?
Generally yes. Most employer coverage is guaranteed issue. If you applied for an individual coverage and were denied for underwriting reasons that should have no effect on the employer plan. In fact, it is common for someone with an uninsurable condition to make the availablility of health insurance a prime consideration when looking for a new job for this very reason.
the cost of health insurance provided through your employer
Your employer does not. Under a federal act known as COBRA (1985), you are entitled to continue your coverage through your employer's health insurance company at the full rate (your premium plus whatever your employer paid) or you may elect a lesser coverage plan under the same health provider, for up to 18 months (in most cases). While there is an additional act known as ARRA (2009) in which the government provides some eligible individuals… Read More
A health insurance quote is an option or options provided by health coverage companies or providers. This quote cam be flexible depending on many factors, including pre-existing conditions, age, health practices, and overall health of the applicant.
"You get private health coverage or insurance by purchasing it from a private health insurance company. There is Athem Blue Cross, and that is the main one."
The health services that MassHealth offers are different. The offer different Health Insurance plans. Family insurance coverage and individual coverage.