Employers health insurance - a must for all???

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Tue Feb 09, 2010 10:30 am   Post subject: Employers health insurance - a must for all???  

I've always opted out of the health insurance plans that are been offered to me by my insurer.

This year, I've been informed that my employer's gonna sign up with a plan which is supposed to be a "must" for all of us.



Till now, I have been covered under my husband's policy, but according to my insurer this time I'd be left with no coverage if I don't accept their

coverage.

What do I do now? Can they really do such a thing? GodfreyGordon


_________________
Register Now to have your Insurance queries solved.
GodfreyGordon
Guest







PostPosted: Wed Feb 10, 2010 6:00 am   Post subject:   

NO..I don't think they've any authority to compel a policy cancellation for your hubby. However, if they're not nice...they could compel you to accept their latest offer. Just don't get scared if they contact your husband's employer.

roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.28 Dollars($)

PostPosted: Wed Feb 10, 2010 10:27 am   Post subject: Health insurance.  

No one can force you to sign up any policy unless it is made mandatory by the state laws. Your employer is simply trying to force it on you.


_________________
Register Now to have your Insurance queries solved.
scarlett
Guest







PostPosted: Thu Feb 11, 2010 11:30 am   Post subject:   

I guess the employer is simply trying to involve more people in order to achieve good rates. I don't think it would be a good option for all of us especially to those who already have insurance.



On the other hand, I've come across this gentleman who's about to get retired and has not been offered the same insurance.


_________________
Register Now to have your Insurance queries solved.
GodfreyGordon
Guest







PostPosted: Fri Feb 12, 2010 10:01 am   Post subject:   

Check out if the premiums are gonnabe met by your company.

Also, please go through the policy benefits carefully and check if they're really good for you. If it's gonna save you some money then I don't see any harm in going for it.

steven
Senior member
Leave a quick message

steven

Joined: 02 Feb 2006
Posts: 1546


215.91 Dollars($)

PostPosted: Fri Feb 12, 2010 7:42 pm   Post subject:   

They cannot make you take their insurance as long as you have a credible waiver.

JTInsure
Member
Leave a quick message



Joined: 30 Apr 2009
Posts: 76

Location: Ohio
18.40 Dollars($)

PostPosted: Fri Feb 12, 2010 10:04 pm   Post subject:   

Your husband's insurance can make you take coverage if it is offered by your employer. But I have never heard of your own employer's carrier making you take coverage.



_________________

Can I say I’m working if I stare blankly at my computer all day?
Dasfuk
Senior member
Leave a quick message

Dasfuk

Joined: 27 Feb 2008
Posts: 606

Location: Ohio
24.95 Dollars($)

PostPosted: Sat Feb 13, 2010 6:27 am   Post subject:   

Hi GodfreyGordon



What state are you in. I think you must check your state laws. From what I heard Hawaii has a provision for mandatory employer provided health insurance.


_________________
Register Now to have your Insurance queries solved.
Rasputin
Guest







PostPosted: Sat Feb 13, 2010 6:59 am   Post subject:   

Make sure it's paid by your company. If it is, they'd force you to go for this one. In this case, this insurance would be your primary one and the one with your husband would be your secondary one.

steven
Senior member
Leave a quick message

steven

Joined: 02 Feb 2006
Posts: 1546


215.91 Dollars($)

PostPosted: Mon Feb 15, 2010 1:07 am   Post subject:   

Also...there are "opt out" periods, although they have passed.

OhioHealthInsurance
Preferred member
Leave a quick message



Joined: 09 Feb 2008
Posts: 179

Location: Midwest
3.18 Dollars($)

PostPosted: Mon Feb 15, 2010 11:48 am   Post subject:   

Quote:
On the other hand, I've come across this gentleman who's about to get retired and has not been offered the same insurance.


It's true that no employer should lay rules depending on the employees' religion, race or gender. But, at the same time we must remember that it's absolutely legal for them to offer certain benefits to a particular group of employees if they feel it's required. Likewise, if they're offering this insurance as "mandatory" to a few groups of employees then I guess it's legal.
roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.28 Dollars($)

PostPosted: Sun May 20, 2012 12:52 am   Post subject: DFuNvuJDGRurEy  

No. Because the policy extiss PRIOR to the illness. If the illness extiss PRIOR to the coverage then the condition is pre-existing. Your example is exactly what insurance is designed to do cover you for new and unexpected health conditions and injuries. Insurance is not designed to cover things you already need.It doesn't make your insurance go up but it does make everybody's' health insurance increase either everybody in the company OR everybody on that plan in your state. That's why one of the reasons health insurance is so expensive is that people who are overweight usually develop health problems .like diabetes. Lots of people overweight > lots of health problems > lots of cost that needs to be beared by everyone .


_________________
Register Now to have your Insurance queries solved.
Kokkang
Guest







PostPosted: Thu May 31, 2012 11:48 pm   Post subject:   

Q: Can an employer REQUIRE an employee to be within their group health plan?



A: Absolutely YES



Explanation: If a plan is installed that is referred to as a "non-contributory" plan, that means that the employer pays 100% of the premium for the employee. Insurers generally require that 100% of the eligible employees be in the plan. Since the employer is paying the full premium and it cannot hurt the employee in any manner, it's a goooood thing. So YES, it can be a requirement that an employee be covered by the group plan.



Next: this absolutely inane and inaccurate statement from the OPs employer or insurer, not sure really which (I think the employer):

Quote:
Till now, I have been covered under my husband's policy, but according to my insurer this time I'd be left with no coverage if I don't accept their

coverage. What do I do now? Can they really do such a thing? GodfreyGordon




Short answer? No, they can't. The HR person is an idiot. There's absolutely no legal reason that a person cannot be covered by more than one group policy. You can "opt out" of your group coverage if you can prove group coverage under your husband's group plan. Secondly, if you DO have coverage under more than one group policy, in the event of a claim, the insurers will simply apply what's known as a "coordination of benefits" provision to the loss. This simply determines which insurer is "primary" and which insurer is considered "secondary" or "excess."



This cannot hurt you. There are no taxable implications under normal circumstances and you may be able to get just about all of your claim paid, minus your deductibles (if any apply in your plan).



I've learned over the years that many HR departments don't have a CLUE of state law and rule.



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Wed Jun 06, 2012 12:00 pm   Post subject:   

Nowadays, companies are providing insurance policies to their employees as in some of the nations it has been done mandatory and in addition to tht the employer also earns some benefits. Now as far as personal health insurance is concerned, no such insurance company has the right that it may force its client to take the plans offered by them forcefully and such warnings like the company will collapse or terminate the coverage is just an act of fearing the client and nothing else.



_________________

Online Van Insurance
ronekenn
New member
Leave a quick message



Joined: 02 May 2012
Posts: 21


2.78 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused