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EEs who opt out of Health Coverage
Benefits & Compensation
EEs who opt out of Health Coverage
Exchange ideas about health plans, retirement, work/life benefits, and employee assistance.
My company currently requires all employees to enroll in one of our medical plans. If the employee can provide proof of other coverage (such as a copy of the ID card for the plan under which they are
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Forums » Topic Forums » Benefits & Compensation » EEs who opt out of Health Coverage
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EEs who opt out of Health Coverage
posted at 11/7/2000 12:25 AM EST
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Posts: 1
First: 11/7/2000 Last: 11/7/2000 |
My company currently requires all employees to enroll in one of our medical plans. If the employee can provide proof of other coverage (such as a copy of the ID card for the plan under which they are covered), they may waive the company-sponsored medical benefits. All of our company-sponsored medical plans are funded via employee and employer contributions. We have recently hired an individual who wants to waive our company provided medical coverage and DOES NOT have other coverage. Can anyone share verbage from a "release form" that the employee needs to sign, indicating that they've been informed of their rights and will not be eligible to enroll in the benefit programs until the next open enrollment period or in the event of a family status change? |
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EEs who opt out of Health Coverage
posted at 11/14/2000 5:50 AM EST
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Posts: 3
First: 11/14/2000 Last: 4/4/2003 |
Many times, there is a box on the enrollment form for employees who wish to decline, but if they don't complete the form, you could use something like this.
Notice of Health Plan Enrollment Rights If you decline enrollment for yourself or your dependents (including your spouse) because of other health coverage, you may, in the future be able to enroll yourself or your dependents in the companys plan provided you request enrollment within 30 days after your coverage ends. Also, if you have a new dependent as a result of a marriage, birth, adoption or placement for adoption, you may be able to enroll yourself and your dependents provided you request enrollment within 30 days of the marriage, birth, adoption or placement for adoption. I have read and understand my rights as explained above and wish to decline coverage at this time. I understand that, if I decide to apply at a later time, coverage may not be available until the next open enrollment period, or I may be required to provide evidence of insurability. |
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EEs who opt out of Health Coverage
posted at 11/16/2000 4:29 PM EST
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Posts: 495
First: 9/30/2000 Last: 8/19/2011 |
The release has to come from your benefit carrier, not the employer.
If this individual chooses to waive their rights to your coverage, they must indicate so in writing. There are many instances where they will not enroll as they think they may be saving a buck or two, but when the time comes that they may have an illness that may involve expensive treatments, they will be knocking on your door. Just be sure that they know what they are waiving. Everyone has the right to waive, cover your bases as this may come back to haunt you. |
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EEs who opt out of Health Coverage
posted at 11/17/2000 9:00 AM EST
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Posts: 19
First: 8/3/2000 Last: 11/15/2002 |
"Spencers" reply dated 11/16/2000 is excellent advice. However, I don't think you have to allow the ee to waive if it is 100% company funded (if it is). When that ee comes knocking at your door, even though you have all waivers signed, you will look like the bad guy. Especially as the story gets twisted that YOU did not provide medical coverage. Although this is not true, your PR will be damaged.
If you choose to allow the ee to decline, you may want to use the health application's waiver section in addition to any other waivers. Good Luck! |
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EEs who opt out of Health Coverage
posted at 12/6/2000 9:54 AM EST
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Posts: 16
First: 9/1/1999 Last: 12/5/2001 |
As I understand it, the employer is required to provide all eligible employees with at at least single coverage if the employer is paying 100% of the premium. Failure to cover all employees may result in disqualification of the group so even though the employee wants to waive they should be enrolled. Having the employee pay even a token amount of the premium provides the opportunity to waive coverage but if the "healthy" members of the group opt out this could result in higher premiums based on a poor health rating for the remaining group. Decide carefully. |
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