Curious about upcoming employee benefits especially regarding mental health parity bill passed by Feds last year. Wheaton Franciscan Healthcare is a self insured plan and has employees in several states WI, IL, IA, CO. They are changing from a $2 million lifetime limit to a 365 inpatient day max lifetime limit for combined medical/psyche and a 52 annual doctor visits for med/psyche. Before I believe inpt psyche was only 30 days lifetime max.
Also they are adding a $10,000 penalty for insured injured and not wearing a seatbelft or helmet in car, motorcycle and biking accidents!
Lastly a $20 surcharge for smokers. There's already a spouse surcharge.
I'm curious how other nurses insurance compares. Please respond. Is this typical. To me it seems outrageous, especially the $10,000 penalty. It seems like we are living in a police state and big brother is watching!