Is employer lying about health benefits?
My husband works as a laborer for a small contracting company and has been there for 10+ years. Back in July his boss decided to cancel our family health insurance plan and not say a word to us. We found out via a letter sent in mid-September by the insurance company telling us the policy was termed. The boss said this was a conscious decision because the company is having money problems. What steams me is our son has medical issues that this boss is aware of and a little notice would have been nice to get a few months supply of meds in place and what not. But I digress...anyway the company is now supposidly getting insurance back in place but under this new plan my husband would now have to pay for the insurance and the kids would not be covered. We are being offered a policy with Highmark which is said to cost $767/month for me and my husband (it is a high deductible policy of $1,250). The boss claims he will pay the first $600 and we cover the rest so it works out to about $40/wk. I am in no rush to sign on this as #1 my first priority is to get my kids covered and #2 this seems awfully high to me. I did a few online quotes and for just me and my husband I'm getting prices hundreds of dollars per month lower. (We are both 32 and in good health). Could the policy really be this much? Or is the boss trying to say he's paying more into the plan that he actually is?
Asked By: shopaholic_mommy - 11/13/2009
Best Answer - Chosen by Asker
OMG well in response to you and people who answered your question, I am now infinitely thankful for my health insurance!! First of all, your hubby works for a small company so it is more difficult to get this fixed. If possible, your hubby should find a new job with a bigger company that is held to more strict... More
Answered By: Any Day Now - 11/14/2009
Additional Answers (3)
Don't worry about whether the boss is trying to cheat you or not - your real concern is getting the best health insurance you can at a reasonable rate. So.....look at the coverages/deductibles/premiums offered by your employer versus the online coverages/deductibles/premiums and make your decision...and move on.
Answered By: RT - 11/13/2009
Trust, but verify, Ask to see the policy/benefits and read the small print. Call the company or check online. Is this your only option with him? Have you tried Humana/Kaiser or Aetna? You could call your state insurance commission and ask about the cancellation no notice. You would have been insured to end of September... More
Answered By: jandy - 11/13/2009
Legally, he can't lie about health benefits and the cost. It's true, it really costs that much.
Answered By: James - 11/13/2009
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