health insurance question
I don't know much about employer offered health insurance.
So here's my questions...
1. When an employee gets the benefits letter, does it show the whole premium, not showing the portion the employer pays?
ex - plan a is 900 per month for employee plus 1 or 2
plan b is 600 per month for employee plus 1 or 2.
2. Does the employee later get the info on how much they actually have to pay - ie deduction per pay period, etc.
I hope I am explaining this so it is understandable. BM gave BF her counter offer and included costs for health insurance and 900 plus per month for a school teacher seems really high. I spoke with BF's mom and she pays insurance through work and she recalls her letter stating whole cost and later another statement showing her actual costs.
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the memo
Its very genaric and not very specific. Just a little chart showing plan A, B, and C and the 3 choices of how many are covered - single, single plus 1 or 2 and household coverage.
900 a month sounds VERY high for a teacher in public school
Is it a private school?
I would start calling around. If it's a public school the amount a teacher contributes to health insurance should be public record. Not sure where to dig it up, but they're paid by taxes therefore somewhere that info is available.
I worked in a medium sized medical office and our insurance for family was only about 300-400 a month. DH's is less because unions negotiate a fairly decent amount. AND the teacher's union is one of the best. Around here teachers just started contributing ANYTHING because of all the financial trouble our schools are in. And I'm sure it wasn't 900 a month.
As far as the explanation of benefits, an EOB is usually what you get after you have been to the DR, explaining how your bill was paid. What you're looking for is the employee benefits package paperwork.
BUT...the best thing for your attorney to do is simply subpoena her pay stub. Employee contribution to benefits are deducted before taxes right on there for all to see!
Peace, love, and red wine
Around $200/mo for medical for family of six
We have really good insurance, but my husband's company pays a huge portion of it. I have a lot of family members who are school teachers in four different states and none of them pays that much for family coverage. I would have your atty subpoena her employment records from the school system.
♥ Georgia ♥
"Good men don't just happen. They have to be created by us women." (from ROSEANNE)
thanks
The plan BM chose, whichever one, cannot be changed until May of this year. We sent her a letter requesting proof of plan, proof of coverage and proof of BM's cost like a copy of a check stub.
We can't respond to her counter proposal without this information.