Supreme Court Decision on Hobby Lobby
Making a quick post on this because I’ve seen comments by folks who don’t understand the basics about insurance and the workplace.
Let’s have some real XXX adult XXX talk about health insurance and employment:
- Companies do not (tend) to pay 100% of insurance.
You’ll usually split the monthly payment, chosen during the open benefit period OR when you’re first hired, with your insurance.
Although a company will pay a majority of health insurance and payments made towards health insurance is pre-tax, the EMPLOYEE will be stuck with copays, deductibles and coinsurances per the health plan chosen.
- Companies are not paying for your health care directly.
How insurance works is that you, your coworkers and company pay to the insurance company (e.g. Aetna, Blue Shield/Cross, Humana, etc.).
That money is then doled out for claims that you and other folks put in for medical services. Insurance companies bank on the chance that they’ll gain more money than what’s used.
You may also pay a percentage of the cost depending on the visit and your plan.
This means that you are paying not only for YOUR coverage, but perhaps even a portion of other’s as well, and that your company is not directly paying for anything.
- Companies use health benefits to lure workers.
There’s a reason why a consultant is paid more — they don’t require benefits. I’d make more money as a coworker, but having access to a great plan through an employer is one of the reasons I (and many others) stay put.
Not paying for a benefit such as IUDs would seriously make me wonder the direction of the company, and perhaps it would be a good time to look elsewhere if possible.
Historically, health insurance benefits were used to lure employees in a time when wages were frozen during WWII.
This is also one of the issues I saw when I looked for work outside of my non-religious hospital, and something for everyone to keep in mind now when they look for employment.
- Is this hospital (or your employment place here) religious?
- Do they require you to sign a morality clause in your contract?
- Will the insurance cover all your needs, or will you have to turn down their coverage and look at the marketplace? (Which is expensive.)
Usually, once you get to the insurance, you’re already signed and ready to start working (or have started). This may be a question that both men and women should be asking when they’re in the interviewing process, or keep a list in mind when job hunting of workplaces that do not cover it.
I don’t understand how the Supreme Court decision came down like this, but it did. Many comments I’m seeing are just folks who don’t understand how it all works. If this note helped you in any way, please reblog. Thanks!!