What's the best health care available to full-time employees who receive benefits in the U.S.?
Question:
Answer:
Large companies usually get more leverage, as anyone typically does when buying in big numbers. It's not so much the insurance company as a few other factors, including but not limited to:
- The specific plan chosen by the company. Different insurance companies have different levels of coverage, just as auto-makers have their economy and luxury lines.
- The portion of the insurance the company's willing to pay for. Your employer picks up a portion of your premiums and the part that gets deducted from your paycheck (usually bi-weekly) is the portion you're responsible for. The more your employer's willing to pay, the lower your premiums will be and the better off you are. This has more to do with your job and who you work for than the actual insurer.
Depending on the coverage you're getting now, how much you're paying, your age and your overall health, you may find it worth your while to look into the individual market. Generally, people without any serious medical conditions are more apt to finding better deals but it can't hurt to see what's out there. If you're interested in this, I can gladly point you in the right direction.
It depends on the company. Insurance companies are screwing patients by charging more and covering less, and screwing doctors by paying less even though our costs are going up.
My son has a great health plan. He works for a large DC corporation and has $100 deductible/$600 out-of-pocket maximum and he pays about $112/month toward it. I am self-employed and have a $1500 deductible and pay $700/month (family plan). I know I'll never get back in benefits as much as I am spending, but I am afraid of what might happen if one of us had an accident.
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