With the elimination of federal protection for female employees seeking abortion,￼ companies are taking measures to protect their workers in the likely event that some states complicate matters for workers. Modifying the employee health plan and employee leave policy, if necessary, is considered the most effective way to attract and retain female workers in states that are affected.
This post lists key considerations in bullet point format.
- From the employee medical plan perspective, nothing will change except the location of abortion services.
- Some states’ abortion services facilities are expanding as a safe haven for abortions for women who live in other states who are expected to lose access to this service.
- Employee benefit laws allow employers to cover the cost of the time off from work and travel to an out-of-state facility.
- The new problem for workers is taking time off from work and the travel expense in getting to the out-of-state treatment facility.
- Employment laws allow or require employers to treat time off from work for abortion the same as any other medical issue.
- This travel cost can be paid as a tax-free employee benefit under a health reimbursement plan or another type of accountable reimbursement plan.
- Lower-paid workers cannot afford to lay out money and wait for reimbursement , so additional benefit plan accommodations may be necessary.
- Privacy and speed of response are key to making this benefit effective. A reliable third party employee benefit plan administrator is essential.
- Large employers known for responsive employee benefits will be the first adapters of this benefit plan change while small employers usually lag the market in benefit plan changes.
- Most of these benefit plan administrators who will provide this expanded service serve only larger employers.
- Freedom Benefits can act quickly to modify an existing employee medical plan to add this feature to a small company or private employer down to just one employee.
- Freedom Benefits may provide the complete service from the employee benefit plan design to electronic transfer of funds in the administration of the benefit to smaller private companies.
- Cost savings in smaller company benefit plan administration is best accomplished by bundling services, especially with payroll accounting.
For more information, request a free consultation with our benefit plan adviser.
National Health Interview Survey data published last week showed that 16.4 percent of adults living in the South region of the U.S. (defined in this survey as Alabama
, the District of Columbia, Florida
, North Carolina
, South Carolina
and West Virginia
) said “there is no place” where they typically received healthcare. In this survey result the people who said they got care at more than one place were counted as having a regular provider.
In contrast, adults in the northeast region (Connecticut
, New Hampshire
, New Jersey
, New York
, Rhode Island
) were most likely to say they have a regular primary healthcare provider.
Your employees already have health insurance. Chances are they found coverage though the Health Insurance Marketplace with a premium subsidy that gives then a lower net cost than anything your business could provide.
But the benefits are lacking. The large deductible leaves them scared. Nobody has an extra $5,000 or more just sitting around in case of an accident or illness! And what about lost wages during time off from work? What can you do to help?
The employer can offer inexpensive supplemental gap insurance that pays cash benefits in addition to the primary insurance. The cost can be as little as $20 per month. And because it is provided through an insurance plan, your employee does not risk losing their premium subsidy.
Check out Smart Insurance Marketplace to learn more. Live help is available by phone and email.
The number and percentage of uninsured children rose in 2017 after a decade of improvement. One in five uninsured children live in Texas, according to recent research. The number of uninsured people in the US overall is rising but the percentage of uninsured remained at 8.8% overall.
What does this actually mean as a matter of public health policy? Are those without health insurance actually being denied access to healthcare? Or is the quality or quantity of care affected? There is much written on this topic but the answers are not easy to discern. Maryland health officer Russell Roy writes: “Uninsured people receive less medical care and less timely care
, they have worse health outcomes, and lack of insurance is a fiscal burden for them and their families”.
At Freedom Benefits our anecdotal observation is that once a person has access to the healthcare system they have a much better chance of receiving high quality ongoing care
, with or without ongoing insurance. Some people, even with health insurance, never gain access to the healthcare system. This appears to be because some people do not have the cash for office visits or required co-copayments. For this reason we focus on coverage that provides easy and affordable up-front access to the healthcare system. Benefits in the affordable health insurance plans are limited but at least the patient is ‘in the door’ of the healthcare system. Once inside the healthcare system, professionals tend to have more resources to provide for continued patient care.
Having health insurance is important but it is more important to have easy access to the healthcare system regardless of insurance.
Welcome to Freedom Benefits.
For more than two decades
, we have been committed to freedom of choice in health care planning. Check out the new alternatives to Obamacare through the online health insurance marketplace and let us know how we can help you make more efficient and better informed health care planning choices.