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Old 01-20-2016, 06:46 AM
 
3,684 posts, read 2,180,059 times
Reputation: 1774

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I currently have a job as a social worker at a large non-profit in my city.
My salary is average for my field, but my company offers very comprehensive benefits including a pension plan, and - importantly - comprehensive health insurance for workers and their dependents.

I currently pay $80 a month ($40 per paycheck) to cover myself and my spouse.
The plan the company offers is very good, accepted by almost all doctors in the city, and it covers just about $100 of the cost of care. There is a small copay to see a primary care dr. or specialist ($15/$30) but that's it. For big procedures or hospitalizations there may be a small fee (not sure). Medications are covered as well at reasonable rates.

I have been looking for a new job for a while, as my job is not exactly in the area I'd like to specialize in (population-wise) and also possibly to change location - to move to another part of the city/metropolitan area.

On more than one occasion, I've received job offers that match my salary or just slightly better, but I've had to turn the jobs down because either they did not offer comprehensive health insurance (there was a HUGE deductible for the plan offered, like $10,000/year!), or they do not cover spouses or dependents.

I am really finding it hard to find another company in my field that offers even nearly equivalent health benefits. Honestly, if the salary was the same or slightly better, I wouldn't mind having to pay, say $200 or even maybe $300 per month for the same comprehensive health insurance. But what I am seeing is plans offered by companies where I'd have to pay $600 or $700/month. Frankly, unless I am getting a huge pay raise, that's not affordable or worthwhile for me. Taking those jobs would basically mean taking a big paycut.

Are other people finding this in their fields?
That's it's very hard to find a job that offers decent and affordable health insurance benefits?
I don't remember it being like this at the start of my career in the early 2000's. I've had several non-profit jobs and it seemed like every one offered affordable and good health insurance benefits - I never even gave it a second thought.

I am wondering why in the past couple of years I'm finding it very hard to find another company that offers good health benefits?
(It has come to the point in my job search where I ask the question about health insurance benefits before I go on an interview, so as not to waste their and my time. I was called for several interviews that I declined to go on for that reason)

I'm interested to hear other people's experiences in this area, as well as any suggestions for companies/kinds of companies that do offer good health insurance benefits. Thank you!
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Old 01-20-2016, 08:44 AM
 
9,778 posts, read 16,983,142 times
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State and local government, as well as universities tend to have pretty decent health insurance family plans. From speaking with others, there are some employers who are trying to get out of the business of ensuring spouses.
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Old 01-20-2016, 01:03 PM
 
8,199 posts, read 6,128,930 times
Reputation: 11731
Quote:
Originally Posted by joe from dayton View Post
State and local government, as well as universities tend to have pretty decent health insurance family plans. From speaking with others, there are some employers who are trying to get out of the business of ensuring spouses.
We are going to end up with a single payer system. I say this because it seems to me that the private sector wants to get out of providing health benefits altogether.
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Old 01-20-2016, 08:19 PM
 
3,684 posts, read 2,180,059 times
Reputation: 1774
Quote:
Originally Posted by War Beagle View Post
We are going to end up with a single payer system. I say this because it seems to me that the private sector wants to get out of providing health benefits altogether.
I can see that businesses/employers don't want to provide health insurance anymore.

I do hope we do have a single payer system, and sooner rather than later.
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Old 01-20-2016, 08:46 PM
 
Location: Upper Darby, PA
403 posts, read 315,938 times
Reputation: 150
Quote:
Originally Posted by Shoshanarose View Post
I can see that businesses/employers don't want to provide health insurance anymore.

I do hope we do have a single payer system, and sooner rather than later.
I can tell that from the lack of full time job ads I see on a daily.
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Old 01-20-2016, 11:02 PM
 
10,060 posts, read 4,662,763 times
Reputation: 15296
Hospitals here provide their own plans so employees are covered 100% or near if it is a service they provide in house. Standard insurance for things done outside

Working at a large hospital isn't bad either if you enjoy the setting
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Old 01-21-2016, 09:24 AM
 
Location: Colorado
4,308 posts, read 11,806,866 times
Reputation: 4425
I work for a federal government-affiliated non-profit and our insurance options SUCK! If you ever contemplate joining one of these organisations make sure you check the benefits BEFORE you accept the job.
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Old 01-21-2016, 07:31 PM
 
3,684 posts, read 2,180,059 times
Reputation: 1774
It's so crazy because I received another job offer. But I'd have to buy health insurance.

I don't know if I should stay in my job (which I don't love) since the insurance is good.

Because who knows if the insurance policy/cost at my job will continue to be comprehensive and affordable in a year or two?
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Old 01-28-2016, 01:46 PM
 
Location: East of Seattle since 1992, originally from SF Bay Area
29,806 posts, read 54,455,776 times
Reputation: 31111
Since Obamacare more and more employers are covering only the employee, spouse and family being optional and at a higher or even full cost rate. Others cover the kids but not the spouse at the company rate. The another trend is not allowing people to have double coverage. If both spouses have an employer paid/partially paid plan, they will not cover the spouse. In our case, for example, my wife is on my plan, but I am not on hers, She can use either depending on the cost of the service and which has the best benefit. We also both have dental and vision, and we are both on each others' plan, so we get double the annual maximum. So far that has not been changed by either of our employers but it may in the future as costs continue to go up.
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