Startups benefits don't have to suck! Our company has worked with dozens of startups to provide amazing benefits - for usually less than 3-4% of employee salaries.
We can be both your broker, software, and strong point of contact. We act as an "extended HR" for our customers - any issues they have with bills, insurance companies, or doctors - we help them navigate.
My contact info is in my profile - feel free to reach me, and I will get your company set up.
This is a very insightful article - BUT - you're paying way too much for health insurance.
Shoot me an email (contact info in profile) or check out http://www.simplyinsured.com - assuming you have 2-3 people on your team, we can save you thousands. I'm looking at quotes right now for fantastic insurance at around $150-$250/person.
Starting in 2014 - it will be illegal to have lifetime caps on health insurance. Also limits on "essential services" will be illegal. They are loosely defined as:
- Emergency services
- Prescription drugs
- Mental and behavioral health, and substance abuse treatment
- Preventive, wellness, and chronic disease management
- Pediatric services
- Maternity and newborn care
Excluding based on pre-existing conditions will also be illegal starting in 2014. Until then - California has a health plan for pre-existing conditions here: http://www.pcip.ca.gov/Home/default.aspx and you can find information for all state here: https://www.pcip.gov/
Worst Case is calculated using a simulated "catastrophic illness" - a combination of surgery, expensive drugs, emergency care, and hospitalization.
The costs we calculated are yearly estimates - assuming you stay with the same plan, and they don't/can't raise your rates or cancel your plan - this estimate should hold for chronic illness.
We can estimate costs for specific chronic illnesses - click the "Personalize" button on the left side of the result page. You can select the specific chronic condition you're worried about, and it will provide a customized estimate.
My contact info is my profile - feel free to call/email if you have further questions.
For your spouse - you can identify her rate by entering her in as an individual (her quote is her rate).
Currently - our quoting tool: http://www.simplyinsured.com/small-group/first-quote will also let you see the prices for spouses & children on current small group health insurance plans.