Health insurance for operators

Discussion in 'Heavy Equipment & Pavement' started by Junior M, Aug 13, 2019.

  1. Junior M

    Junior M LawnSite Fanatic
    Messages: 13,717

    I’m having a hard time getting any real good help because I’m such a small business and I can’t offer any benefits to compete with these large companies.

    Do you offer insurance to your guys and if so, where from?

    Any recommendations on who to shop with and who to stay away from?
  2. m_ice

    m_ice LawnSite Member
    from IL
    Messages: 210

    There's a current thread discussing benefits with some good info.
    I'd start with your current insurance provider or if they don't do health care as many don't they should be able to refer you to someone.
    Mark Oomkes likes this.
  3. agrostis

    agrostis LawnSite Silver Member
    Messages: 2,943

    Health insurance is state dependent, you have to go local. SC's gotta be one of the cheaper area's though.
    Mumblingboutmowers likes this.
  4. OP
    Junior M

    Junior M LawnSite Fanatic
    Messages: 13,717

    I’ve never done anything with insurance so I’m completely blind here. I’m going to make some phone calls in the morning and see what I can do
  5. TPendagast

    TPendagast LawnSite Fanatic
    Messages: 16,099

    “Define operator”
    By that do you mean every swinging Richard that works for you or just the few guys that operate equipment?
    It’d be real strange to offer insurance just for one/two guys.

    As previously mentioned in the other thread you could give them extra money to cover whatever insurance costs them through Obama care.
    “Change of job” is a qualifying factor for signing up for OBC (don’t have to wait til November)
    They can see what OBC costs them and then you can offer them a pay rate plus “medical allowance” (basically a bonus that offsets or covers their insurance costs)
    There’s nothing illegal or wrong about that.
  6. OP
    Junior M

    Junior M LawnSite Fanatic
    Messages: 13,717

    I said operator cause I wanted my thread in here with similar business owners. I don’t venture to other pages within this forum very often.

    I’ll offer it to all my guys but there’s on 4. And I’d be willing to bet 2 of them don’t want it.
  7. Mark Oomkes

    Mark Oomkes LawnSite Fanatic
    Messages: 18,757

    As m_ice suggested, start with your current agent. They may or may not sell it.

    There's 2 kinds...underwritten and not underwritten. I don't remember which is which and maybe it's changed since the unaffordable health care act was enacted, but one the premiums are based on health history the other doesn't.

    I believe ours is through US Health and Life, has been since the zerocare was enacted.
  8. TPendagast

    TPendagast LawnSite Fanatic
    Messages: 16,099

    I’m sorry I’m still not following
    “Operator” meaning owner/operator?
  9. OP
    Junior M

    Junior M LawnSite Fanatic
    Messages: 13,717

    I said operator because this is the “heavy equipment forum” so our employees are “operators”
    m_ice and Mark Oomkes like this.
  10. ksss

    ksss LawnSite Fanatic
    Messages: 7,257

    I would check AFLAC. They can might be able to help. I have them for supplemental insurance. Might be able to help you put a package together that you can afford and has some value.

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