Health Insurance for Nanny

[Anonymous]

I am trying to purchase a health insurance policy for my nanny. I tried to buy a policy through eHealthInsurance.com, and ran into a complication. The account would be in my nanny's name and password-protected, which makes sense since it would contain her personal medical information. But I would not have access to the payment information after initially entering my bank info for automatic payments. If the rate goes up, I won't be informed. If I want to cancel or change my payment info, I will have no access to the account. Has anybody found a way to pay for a nanny's policy where they maintain access to the payment info?

Thanks for your help!!!

Jennie

[Anonymous]

You give the nanny a separate monthly check for her health insurance. You have no business dealing directly with her medical care. She's an adult, right?

[Anonymous]

I'm an adult and my employer pays my health insurance premium directly! To get the tax benefits of giving health insurance to a nanny, you have to prove that the money is actually going to a health insurance policy. Which is why it seems best to pay for it directly. But I'm going to research your suggestion and see if I can make that work. Thanks!

[Anonymous]

I agree with 1:09. You reimburse the nanny for her costs. She documents for your tax records that she is maintaining the health insurance for which you're paying.

You do not want to be this involved in her medical care - there are significant HIPPA issues. This is a different scenario than large employer financed healthcare.

This is how we do it with our nanny and it works just fine.

[Anonymous]

Anonymous wrote:You give the nanny a separate monthly check for her health insurance. You have no business dealing directly with her medical care. She's an adult, right?

+1. Have the nanny sign up for automatic payments from her bank account. Give her a check for the amount of the first month's premium with "health insurance premium reimbursement 9/2013" on the memo line. Have her print out a month statement for you each month and keep a copy of the policy. Only reimburse her via check, not cash.

[Anonymous]

Anonymous wrote:I agree with 1:09. You reimburse the nanny for her costs. She documents for your tax records that she is maintaining the health insurance for which you're paying.

You do not want to be this involved in her medical care - there are significant HIPPA issues. This is a different scenario than large employer financed healthcare.

This is how we do it with our nanny and it works just fine.

+2