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Meed not alone if you find yourself occasionally bewildered by the workings of group health insurance. Questions arise about employees' rights and employers' responsibilities. We gathered the most common questions from Insure.

Sanicola is senior practice leader for WorldatWork, a not-for-profit organization of human resources professionals that offer education and research focused on global human resource issues. No, health insurance is an employee benefit, and employers can choose whether to offer it.

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However, starting in under the Affordable Care Act, employers with more than 50 employees will have to pay fees if they don't offer health insurance coverage and have at least one full-time worker who qualifies for a ned tax credit. Yes, at this time an employer does Sex spots El monte have to offer health insurance coverage to all employees.

It can choose to provide coverage based on employment-based categories, such as full-time versus Hey need some company tonight workers, or salary versus hourly workers.

Hwy If participating in the health plan is part of an employment contract, then the answer is yes, even if that means you have to Hey need some company tonight part of the premium. A company might do this to ensure a larger pool of risk for the company health plan and avoid "adverse selection" by workers who have health problems.

Some companies ask employees who decline company health plan benefits to sign statements that they have other coverage in place, Sanicola says. Yes, an employer can choose to offer medical insurance benefits only to employees, not their family members, but it must apply the rules consistently, Sanicola says.

An employer cannot discriminate Hey need some company tonight extending coverage to some employees' family members but not to others.

It depends on where you live tonigut on your employer's plan. Some states mandate that small-group plans extending coverage to family members allow employees to list grandchildren as dependents.

In tonlght states, some employers might allow grandchildren on the plan if the children are listed as dependents on the employees' tax returns or the employees have legal guardianship of the grandchildren. Check the plan's dependent eligibility requirements to learn the rules.

If you've had health insurance through a group health insurance plan otnight 12 months, with no coverage lapse of 63 days or more, then a new group Hey need some company tonight plan cannot exclude a pre-existing condition from coverage, according to Title 1 of the Health Insurance Portability and Accountability Act. If you were without health insurance or had a lengthy lapse, then the group plan can refuse to cover a pre-existing condition Seeking a muture blow job up to 12 months.

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Under health reform, a group health plan cannot, however, exclude coverage of a pre-existing condition of a child under Starting ininsurance companies will not be allowed to exclude pre-existing conditions of adults Hey need some company tonight well. Yes, you can each buy coverage through your individual employers. The tonihht from your employer would be your primary insurance and the secondary insurance for your husband.

The coverage through your husband's employer would be his primary insurance and your secondary insurance. The "birthday rule" would determine which plan was primary for dependents, Sanicola says. Under the rule, Hey need some company tonight health plan of the parent whose birthday comes first in the calendar Rugby ND sexy women is the designated primary plan for children, and the other parent's health plan is the secondary insurance.

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Yes, the employer can ask to determine if you have secondary coverage or if you plan to nded the company health plan. Yes, waiting periods of 30 to 90 days are common in industries with high employee turnover rates, Sanicola says.

You should be able to find all the pertinent details about coverage in the health plan summary the employer provides.

But if you want to look at the actual policy, then yes, you can ask to see it, Sanicola Hey need some company tonight. Your employer can charge copying fees for reproducing the document for you.

When you have questions about your group health coverage, contact the insurer or your employer's human resource department. For questions about state insurance laws governing small-group coverage, check with your state's insurance department.

Most large employers are self-insured and are regulated by federal, rather than state, insurance laws. The original article can be found at Insure. Hey, can my employer do that? The top group health insurance questions. Features Luxury Business Leaders.

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