Specializes in M/S, LTC, Corrections, PDN & drug rehab.
My family was uninsured last year -- we paid almost $2,000 in penalty fees to the IRS this April because of it.
We're on my husband's insurance this year, paying $5,000/year to cover three people with a $3,500 deductible, and there are no in-state providers who are in-network, so we can't even get our "free" preventative care and birth control without traveling out of state.
Gonna look at just getting ACA insurance for my son next year and just paying the fine to HRH Obama for not covering me and Hubster. If Hubster has a heart attack or stroke, we'll just let him die. It's cheaper that way.
I've worked private duty for almost 5 years. My agency offers holiday pay, small shift differentials, a 401(k), short-term disability, PTO (after 1,000 hours), and health and dental insurance. My job offered 3 plans, and I chose the second plan, which cost $800 per month for an employee and spouse. My kids are on Medicaid; adding them to my plan would've cost another $250 per month. I carried the family health insurance until last December, when Hubby finally qualified for coverage through his job.
My job's health insurance options now include a bare-bones plan that just meets the standards for ACA, and costs about $150 per month for a family. It's basically the ACA version of a mini-med plan, and I'm pretty sure it exists so they don't get penalized for not offering coverage It also means no one will qualify for a subsidy. Last fall a mailing went out encouraging people to check out ACA plans. When I looked into ACA plans 2 years ago, I found out that nothing on my state's exchange was cheaper than my employer's plan, and my kids qualified for Medicaid.
I have to ask this question,as i see this information repeated but i cannot find a reason it does not apply to us.
It deals with the ACA/Obamacare.
Anyone working over 30 hours/week while Per diem has to have employee insurance offered to them,so why are Pdn's who work 40 hrs/week excluded from this?
Specializes in Complex pedi to LTC/SA & now a manager.
Health insurance is confusing.
I have to ask this question,as i see this information repeated but i cannot find a reason it does not apply to us.
It deals with the ACA/Obamacare.
Anyone working over 30 hours/week while Per diem has to have employee insurance offered to them,so why are Pdn's who work 40 hrs/week excluded from this?
They are not. Your employer has to offer "minimum essential coverage" to all employees averaging 30hrs or more for the year as of October 2014 starting 1/1/15. Many are doing basic coverage at no cost to the employe
When I was still working enough hours to be eligible for insurance, the agency sent me all the info about it. Very high premiums & very high deductibles. At the very bottom of the last page, in very tiny print, it said "this plan does not meet the minimum requirements for the ACA". Huh?! I don't see how they can offer something that doesn't meet those requirements.
They are not. Your employer has to offer "minimum essential coverage" to all employees averaging 30hrs or more for the year as of October 2014 starting 1/1/15. Many are doing basic coverage at no cost to the employe
So i am guessing Per Diem employees are excluded?
My second agency offers none to employees that are technically working full time hours.
Specializes in Complex pedi to LTC/SA & now a manager.
So i am guessing Per Diem employees are excluded?
My second agency offers none to employees that are technically working full time hours.
Must consistently work at least 30 hours per week for 52 weeks. Per diem doesn't matter. If you were short one week you could be declared ineligible (patient in hospital. Sick day..)
When I was still working enough hours to be eligible for insurance, the agency sent me all the info about it. Very high premiums & very high deductibles. At the very bottom of the last page, in very tiny print, it said "this plan does not meet the minimum requirements for the ACA". Huh?! I don't see how they can offer something that doesn't meet those requirements.
I recall being offered something like that. It was for very minimal coverage (it wasn't even a basic health insurance program, more like a supplemental plan). And there was still a premium every month.
I think it's so sad, I believe all nurses should have good insurance. For free or near free. I did just wake up after taking a nap so I could be delirious though.
Specializes in Complex pedi to LTC/SA & now a manager.
I think it's so sad, I believe all nurses should have good insurance. For free or near free. I did just wake up after taking a nap so I could be delirious though.
People were shocked, physicians included, when they found out that as of Jan 1 my now former agency only offered full time employees "minimal essential coverage" basically preventative care that covers next to nothing unless under 12 (likely eligible for state CHiP) or over 55. No labs. Now that I've transitioned to another agency I have "real" benefits and once I clock enough hours my status will change and my premium will drop by 40% and eligible for more traditional benefits such as matching 401K. Nice to have a company that appreciates commitment of its employees
Specializes in Pediatric Private Duty; Camp Nursing.
I went through ACA coverage because although what my employer offered for single employees was acceptable, it got crazy expensive for my husband and kiddies. But now I got a flyer in the mail this week that my employer is going to start offering better coverage so "be on the lookout for details". Cautiously optimistic but expecting nothing earth-shattering.
I think it's so sad, I believe all nurses should have good insurance. For free or near free. I did just wake up after taking a nap so I could be delirious though.
I just wonder why Pdn nurses are not valued like other nurses in the area of benefits.
OrganizedChaos, LVN
1 Article; 6,883 Posts
0.0 Holy schnikes