smurfy1smile's picture

health insurance question

I don't know much about employer offered health insurance.

So here's my questions...

1. When an employee gets the benefits letter, does it show the whole premium, not showing the portion the employer pays?

ex - plan a is 900 per month for employee plus 1 or 2

plan b is 600 per month for employee plus 1 or 2.

2. Does the employee later get the info on how much they actually have to pay - ie deduction per pay period, etc.

I hope I am explaining this so it is understandable. BM gave BF her counter offer and included costs for health insurance and 900 plus per month for a school teacher seems really high. I spoke with BF's mom and she pays insurance through work and she recalls her letter stating whole cost and later another statement showing her actual costs.

CplStv's picture

Every time I've gotten an "Explanation of Benifits"

Every time I've gotten an "Explanation of Benifits" if there was more than one choice of Ins. plan, there was a Chart/s that explained each plan's coverage and Costs, broken down by Pay Period, etc. Not just a letter.

Steve

Kids are the Best and Worst Things We can do to Ourselves. When We have nothing else worth living for, We'll go on, for Them, but Oh How We Miss Our Freedom...LOL

smurfy1smile's picture

the memo

Its very genaric and not very specific. Just a little chart showing plan A, B, and C and the 3 choices of how many are covered - single, single plus 1 or 2 and household coverage.

HA IDO's picture

Health Plans Cost vary

At my job for a family plan is $400.00 per month. My DH's job offered a family plan for 900.00 per month. Health insurance is extremly expensive. Not all companies pay a good share anymore. That is why the measly $400.00 per month for CS was ridiculous. We pay 400.00 per month just for health insurance, 700.00 per month for daycare, clothing, utilites, mortgage. Three extra people in the house costs a small fortune. It was about time a Judge finally saw it DH's way.

"Better to keep your mouth shut and appear tupid than to open it and remove all doubt" Eye-wink

Sita Tara's picture

900 a month sounds VERY high for a teacher in public school

Is it a private school?

I would start calling around. If it's a public school the amount a teacher contributes to health insurance should be public record. Not sure where to dig it up, but they're paid by taxes therefore somewhere that info is available.

I worked in a medium sized medical office and our insurance for family was only about 300-400 a month. DH's is less because unions negotiate a fairly decent amount. AND the teacher's union is one of the best. Around here teachers just started contributing ANYTHING because of all the financial trouble our schools are in. And I'm sure it wasn't 900 a month.

As far as the explanation of benefits, an EOB is usually what you get after you have been to the DR, explaining how your bill was paid. What you're looking for is the employee benefits package paperwork.

BUT...the best thing for your attorney to do is simply subpoena her pay stub. Employee contribution to benefits are deducted before taxes right on there for all to see!

Peace, love, and red wine

ColorMeGone2's picture

Around $200/mo for medical for family of six

We have really good insurance, but my husband's company pays a huge portion of it. I have a lot of family members who are school teachers in four different states and none of them pays that much for family coverage. I would have your atty subpoena her employment records from the school system.

♥ Georgia ♥

"Good men don't just happen. They have to be created by us women." (from ROSEANNE)

Mustang1's picture

Also, what you want to be

Also, what you want to be careful of is the BM picking the most expensive insurance plan, to get more money from you, and then switching to the cheaper plan.

smurfy1smile's picture

thanks

The plan BM chose, whichever one, cannot be changed until May of this year. We sent her a letter requesting proof of plan, proof of coverage and proof of BM's cost like a copy of a check stub.

We can't respond to her counter proposal without this information.

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