Employer Based Health Insurance Is Still Your Best Option
It used to be that the best possible health insurance benefits were the ones offered by an employer
. The employer based health care plans were quite simply unlike any other benefit plans because of the good medical coverage it provided, as well as the very affordable and reasonable premium rates it made available to employees and their families, making this health care plan an excellent benefit.There are a few good reasons for this type of healthcare coverage to be available at such good rates, mostly because large companies with several employees can get a group rate discount from insurance companies, based mostly on the fact that the coverage will cover a group of individuals, also meaning that the cost of health insurance premiums significantly drop. This is a major key factor why employers can offer this type of benefits to their employees and is much cheaper for each individual who might he considering purchasing a independent plan.
Employer-based health insurance also how the additional perks available to employees. One huge perk allows the employer to pay either part or all of the employees premium and in some cases, at least half of the insured family members premium. Recently, employers as well as health insurance companies realize the value in a partnership to offer HRA's, also known as health risk assessments. Employees, and other family members that are insured but take advantage of these evaluations are offered an even greater reduced premium rate for taking part in these small scale health evaluations annually.
This is a definite plus in benefits for working class families even if it means making less per hour in wages. Most employees who receive a full benefits package realize the worth and have less concerns for the slight reduction in salary. Through the years health insurance options have come and gone, however, without doubt the employer based health insurance plans are and will always be considered the best.
There have been a rare cases that allow some working class families to be eligible for government medical insurance help for any minors in the family. This generally applies to anyone with a relatively low income and are still unable to afford the low health insurance premiums offered by their employer. If this situation describes your scenario or someone that you know you should contact the local Medicaid office for more information concerning the Children's Health Care Program and if it is available in your area.
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