Do you know about - Voluntary Benefits Can Help Your Employees' Finances Survive a indispensable Illness
Kaiser Health Plans! Again, for I know. Ready to share new things that are useful. You and your friends.There's no escaping the fact that our cheaper has dealt a crushing blow to many families' finances. Across the nation, individuals, couples and families are struggling to pay rents and mortgages and keep sufficient food on the table. On top of all this is the rising cost of health care, and the added cost-sharing even for those insured by employers. Individuals in all 50 states are putting off doctor visits, delaying needed healing care and opting not to fill prescriptions.
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In their narrative Snapshots from the Kitchen Table: house Budgets and health Care, The Kaiser house Foundation's Commission on Medicaid and the Uninsured (Kcmu) found that healthcare costs were a major strain on budgets of families Across the nation, especially when a vital illness is involved. The narrative took a good look at a burden many population face today and so many others fear. That burden is caring for a house member with a vital illness without letting the cost of care lead them to whether make sacrifices on quality of care or succumb to financial ruin.
In the narrative we meet an unemployed man with stomach cancer whose Cobra eligibility had run out. He's forced to enroll in a plan with over ,000 monthly premiums and a deductible. After having already burned straight through his 401(k) and skipping any mortgage payments to pay healing bills, he has fallen ,000 dollars into healing debt and is growing deeper and deeper into debt each month.
We also meet a woman in her early 50s who has breast cancer. Her employer-sponsored insurance covered 80 percent of her lumpectomy but after having the course done, she fast met her plan's annual maximum and had to pay for chemotherapy out-of-pocket. Because of the high costs, she decided to postpone her treatments until the next plan year.
As these two cases show, high cost-sharing and insurance plan maximums lead even the critically ill to plunge deeply into debt or put off care that could help them beat their diseases. Employers do, however, have an selection to help employees keep financially sound, even in the face of a vital illness.
Supplemental vital Illness Policies:
Offering voluntary vital illness policies as a supplemental advantage can help employees with a history of cancer, heart disease or other vital illnesses avoid the crippling financial consequences down the road.
What vital illness plans do is pay a lump sum advantage to your employees at their first analysis of a covered illness. Eligible employees pick the dollar amount of coverage (i.e. The amount of the lump sum that they would be paid if they got diagnosed with a covered illness) and have their premiums for this course deducted directly from their paychecks.
The lump sum that vital illness policies pay out can help employees keep out of healing debt and finance the illness-related expenses that their insurance doesn't cover. Think of your health insurance as a warrant that you'll get treated when you get sick and this voluntary advantage as the help you need to afford the bills.
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