Reply to Question re changes in health insurance premium benefit

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Related question - how are you all setting this up?  Are you paying the premiums directly? Purchasing the plan through SHOP or offering reimbursment?  Sorry, we are thinking about doing this but confused!  THANK YOU![/quote]

No, we reimburse the nanny directly (and she needs to be able to document that she has the coverage.)   We do not get involved in selecting or making direct decisions about her health insurance.  You don't want to be involved w/ personal health information.  She buys the insurance, gives you documentation of coverage and premium costs, and you reimburse premium costs to the extent you decide.  (We started at a 50% reimbursement benefit and then increased to 100% as a way of rewarding performance and tenure.)[/quote]

We're using SHOP, which does require you to select the plan ... like every employer-sponsored health care plan. Since I only have the one employee, we did check to make sure her doctor participates, but I hardly think this is asking for personal medical information.[/quote]

Sure - that works also.  Our nanny had selected insurance before the SHOP/ACA stuff so it wasn't an issue for us.  (And I'd still rather not have to figure out health insurance plans - it ranks on my list of least favorite things to do!)  :-)

But whatever works...  Selecting a plan based on physician availability is very different than selecting a plan based on levels of coverage for specific diseases/treatments/prescription coverages etc...  which could come into play and make for awkward or inappropriate employer/employee dynamics.[/quote]

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