The Green Industry's Resource Center

Old 02-11-2004, 04:38 PM
zturncutter's Avatar
zturncutter zturncutter is offline
LawnSite Bronze Member
Join Date: Feb 2003
Location: Interior South Florida
Posts: 1,309
Company health insurance

Are any of you folks supplying your employees with company health coverage? If so do you have any recommendations on which companies I might get a quote from?
Reply With Quote
Old 02-11-2004, 04:41 PM
tiedeman's Avatar
tiedeman tiedeman is offline
LawnSite Fanatic
Join Date: Jan 2003
Location: earth
Posts: 8,747
this is a little trick that I learned. Don't go through the company for health insurance. Instead have your employees sign up for a health insurance package (under their name) that both of you seem is fair, and then you just have the bill sent to you and its cheaper than going through the company.
Reply With Quote
Old 02-11-2004, 10:42 PM
zturncutter's Avatar
zturncutter zturncutter is offline
LawnSite Bronze Member
Join Date: Feb 2003
Location: Interior South Florida
Posts: 1,309
Wow, only one reply, thanks Tiedeman. I guess good health insurance really is hard to come by.
Reply With Quote
Old 02-11-2004, 10:55 PM
EastProLawn's Avatar
EastProLawn EastProLawn is offline
LawnSite Bronze Member
Join Date: Oct 2003
Location: Providence, RI
Posts: 1,110
My guys have their own insurance that I found for them on the internet, most of these companies will let you customize a insurance paln to fit your needs. My guys were more interested in doctor's office visits and perscription's, so they ask the insurance company to set the plan geared towards that. When the bill comes they show me and I pay 80% of the total. This works out great for all of us and so far no complaints on the service by employees. hope this helps.
" Respect is earned, not given "
Reply With Quote
Old 02-11-2004, 11:42 PM
AztlanLC's Avatar
AztlanLC AztlanLC is offline
LawnSite Bronze Member
Join Date: Jul 2001
Location: Highland, NY
Posts: 1,031
Down here in NY if your employees make less than 32K a year they qualify for a plan that is call healthly NY in which they pay $140 a month trought your company, you have to pay at least half of that.

I'd recommend to check with your state
Reply With Quote
Old 02-12-2004, 12:14 AM
Fantasy Lawns's Avatar
Fantasy Lawns Fantasy Lawns is offline
LawnSite Bronze Member
Join Date: Jan 2001
Location: Space Coast
Posts: 1,914
We did Blue Cross fore 2 years .... I'd have to be in the +750K$ to even think of it again

" Think I'll Come Back Here ....... From
Time to Time ...... Every Now n' Then

Fantasy Lawns. Com
Reply With Quote
Old 02-12-2004, 02:12 AM
JimLewis's Avatar
JimLewis JimLewis is offline
LawnSite Fanatic
Join Date: Dec 1999
Location: Beaverton, OR
Posts: 6,818
We just went through the process with our company. I have never had health insurance via the company before. Always just had a personal policy. So I went through a long process in deciding which company, which plan, etc.

First off, it varies from state to state. The providers I have in my state may not be the same ones you have. Laws vary drastically on company healthcare from state to state as well. So it can be a whole different ballgame from one place to another.

I will say this, I disagree with tiedeman. It wasn't at all cheaper to have indivual policies. It's much cheaper to have a company plan. I compared prices for our family alone vs. our family on the company plan. And there was no comparison. We had horrible coverage, high deductibles, etc. with the previous, more expensive coverage than with the newer, less expensive coverage. And the new company policy has NO deductibles, covers everything, and is less expensive. I did the same comparison for my foreman and his wife. This was a little closer but the company policy was a little better in coverage and a LOT better in terms of dollars - no deductibles.

The great thing about company health insurance (depending on your state) is they can't exclude anyone or deny you because of a pre-existing condition. That is a HUGE bonus if you have any medical conditions, are overweight, have high blood pressure, have a history of any serious illness, etc. They can't "rate" you for any of this stuff with a company policy like they can on a personal policy.

My wife is pregnant. And we just got the new coverage Feb 1. She's due in 7 weeks. On the old policy, the doctor and hospital wanted $3000.00 from us THIS MONTH - before the baby was due - because that was our portion of the birth. Now, with the new policy, our total due is $400.00.

What I recommend is that you find someone who really specializes in health insurance for companies. Don't find a jack of all trades who sells all kinds of insurance. Find someone who REALLY knows the company health insurance laws and companies and plans for your state and sit down and talk with them. It may take 3 meetings before you finally hash through it all and understand it. But it's well worth it.
Jim Lewis
Lewis Landscape Services - Oregon - Portland Oregon Landscaping Company

landscape design Portland Oregon
Reply With Quote

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Layout Style:

Powered by vBulletin® Version 3.8.6
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
Copyright ©1998 - 2012, LawnSite.comô - Grand View Media
All times are GMT -4. The time now is 04:34 AM.

Page generated in 0.08849 seconds with 8 queries