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Old 11-09-2015, 09:19 AM
 
158 posts, read 222,233 times
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Good Morning City Data!

I am thinking about applying at another company, in the same field. Still going back and forth, but trying to get all my ducks in a row. Not that I am expecting an offer or anything, but I want to be prepared just in case it happens. What I am asking is when it comes to benefits, how do you approach the subject? For example, let's say I received an offer for a comparable salary, but I wanted to know the cost of the health insurance they provide, is that possible? I have seen some people ask for a benefits summary, but wondered if it went into detail. I certainly wouldn't want to accept an offer only to find out the health insurance for example would be 3x what I am paying now.

Has anyone done that? Do companies give that information out to people they offer jobs too?
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Old 11-09-2015, 10:40 AM
 
1,381 posts, read 1,358,784 times
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of course they can give it to you. I wouldn't expect details until an actual offer comes your way; but they will at least give you an idea of what the benefits are after the 1st interview
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Old 11-09-2015, 10:46 AM
 
158 posts, read 222,233 times
Reputation: 106
I really wouldn't expect anything in detail until an offer comes anyways. The website lists the benefits and what they offer. I am just hoping for more detail like costs so I can compare.
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Old 11-09-2015, 11:49 AM
 
Location: Southern California
12,303 posts, read 10,557,985 times
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I make sure to ALWAYS ask for benefit details when they give me an offer. It makes all the difference in the world. A 50k job paying 90% of your health insurance could easily trump a 70k job paying 10% of your health insurance.

No employer has ever thought twice about providing the information. They give me what you get when you are hired to show the benefits and related costs.
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Old 11-09-2015, 12:10 PM
 
158 posts, read 222,233 times
Reputation: 106
Quote:
Originally Posted by Mr_Geek View Post
I make sure to ALWAYS ask for benefit details when they give me an offer. It makes all the difference in the world. A 50k job paying 90% of your health insurance could easily trump a 70k job paying 10% of your health insurance.

No employer has ever thought twice about providing the information. They give me what you get when you are hired to show the benefits and related costs.
Thanks, that is exactly what I am interested in. I certainly appreciate the response!
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Old 11-10-2015, 01:09 PM
 
Location: East of Seattle since 1992, originally from SF Bay Area
30,232 posts, read 55,093,669 times
Reputation: 31737
Yes, in fact when making an offer we use the benefits as a tool to help get the candidate to accept. In our case, like many, there is a choice of 3 healthcare plans, with varying levels of premium contribution and benefit, so you may want to see it in writing. They could offer you a plan with no premium but you pay for everything up to $3,000/year before the provider starts paying, and then only 80%. That may not be nearly as good as a plan where you pay 200/month but then only a $25 deductible per visit/treatment. You don't want to just go by the percentage of the premium any more.
In our case, the plan I'm on costs my employer $1,900/month, and I only pay about 5%, but the out-of-pocket has cost me about $6,000 on top of that so far this year.
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