Contact     Site Map     Home   Home Services Employers Job Seekers About Contact Services Childcare Staffing Baby Nurses Family Assistants Governesses Nannies Parents Helpers On Call Nannies & Baby Sitters Home Hotel Corporate Household Staffing Housekeepers Executive Housekeepers Houseman/Handyman Laundresses Cooks Cooks/Housekeepers Companions Estate Staffing Estate Managers Household Managers Butlers Chefs Chauffeurs Gardners Household Couples Valets Private Office Staffing Executive Assistants Personal Assistants Eldercare Staffing APNA Member Association of Premier Nanny Agencies San Francisco & Marin & Sonoma Counties: 415 749-3650 Peninsula Counties: 650 573-1000 East Bay Counties: 925 933-2273 National Placements: 866 729-2667 About > Resources > Household Staff Health Insurance Health Insurance - This Important Medical Benefit Also Alleviates Tax Pain Non-Taxable Compensation Because health insurance is critically important, the government uses tax incentives to encourage employers to provide coverage for their employees. Therefore, household employers can provide health insurance premiums and have it be considered non-taxable compensation. This means the entire amount of the premium is tax-free to you and your employee - making it a great way to increase the "take-home" pay for an employee without increasing your out-of-pocket costs. Insurance Providers By law, health insurance must be bought through state-licensed providers. Due to the increasing self-employment pool in America, more health insurance companies are beginning to offer comprehensive plans for individuals. Because there are still some illegitimate insurance providers in every state, we recommend that you exercise caution and allow ample time to research the various providers in your area. Reputable carriers like Blue Cross Blue Shield, Kaiser, Principal, etc. are a great place to get started. If you don't have time to do the homework, consider a healthcare specialist like: Sterling Capital Management Group. Their number is 703-250-6722. They screen providers in each state and can provide information and expert guidance through every step of the procurement process. Coverage Options Generally, there are four types of health plans (from least expensive to most expensive): Catastrophic Care, which covers hospitalization only; Health Maintenance Organizations (HMOs), which offer full coverage if you utilize their medical facilities and/or their limited choice of physicians; Preferred Provider Organizations (PPOs), which offer full coverage through large physician networks; and Indemnity Plans, which allow patients to see any physician at any medical facility - no limitations at all. Within each of these types of plans, there are numerous options on deductibles, co-pay amounts, prescription benefits, emergency care benefits, etc. Costs Unfortunately, getting an accurate quote for an individual health plan involves more than a quick phone call. There are many options and each comes with different levels of coverage and costs. In addition, the individual being covered will be a key factor in the cost of the plan; age, weight, health condition/history, lifestyle, where she lives, etc. will contribute to an overall health profile and be used to determine the amount of the monthly premium. Because of the customized nature of the process, it takes a little time to obtain accurate price quotes. For general budgeting, however, you can estimate premiums ranging from $200 per month to more than $350 per month. If you have any questions or would like a free consultation on your specific situation, please don't hesitate to call Breedlove & Associates at 1-888-273-3356. If you're seeking professional staff or employment, we invite you to contact In-house Staffing. EMPLOYERS Browse Candidates >>   JOB SEEKERS Browse Jobs >> Aunt Ann's In-House Staffing 2722 Gough Street San Francisco, CA 94123 Phone: (415) 749-3650 Fax: (415) 749-2081 [ Get Directions ]   © 2001-2009 Aunt Ann's In-House Staffing - Nanny, Housekeeper and Estate Agency. All rights reserved. [ Privacy Policy ]