Precisely how does state medical insurance compare to other insurance plans?
All fifty states provide health insurance coverage to their state staff. Nevertheless, eligibility, amount of coverage, and employees’ financial responsibilities varies state-to- state. An staff member health plan offered by the state is often one of the best plans available.
Regrettably, many states are facing budget cuts and legislation trimming down worker benefits as a result of the economic shortfalls across the U.S.. Even though some states need to make cuts, their benefits are still exceptional.
States provide coverage to an estimated 3.4 million workforce, or 10 percent of the country’s workforce. 97 percent of full time state workforce are eligible for the state employee health plan. of those eligible, 91 percent use it. These high statistics show that states provide great coverage for their workforce.
Even better, nearly half of the states offer their coverage to non-state staff like city or county staff, public school teachers, and/or higher education teachers.
These staff members receive the same or equivalent benefits as state staff members. This is a big incentive for teachers and other staff members looking for good medical insurance coverage.
States often carry some lowest premiums available. They often pay more than half of the premium amount, putting more money in their worker’s pocket. Fortunately, most states offer multiple health insurance plans for their personnel to choose from.
You can shop around for the coverage that fits your needs rather than being “stuck” with only one plan to choose from.
Unfortunately, state worker health care programs aren’t immune from the economy’s troubles. Worker medical plan benefits are facing major cuts in some states because of budget shortfalls as a result of the housing crisis and rise in fuel prices.
While many states are making some cuts, their health benefits are still among the best available. When you or your spouse thinks you might qualify for state benefits, check with your local state government for additional information on eligibility requirements, premium prices and included benefits.