For instance, I don't know how it works when an employee's family member has a pre-existing condition. How is it handled when you have a child with a legitimate need for continuing therapy? Does the employer just contribute the same amount to your insurance as it does to the other employees' insurance and you contribute your portion as a much larger amount because of the pre-existing condition, or what? I hope that isn't too intrusive a question; please forgive me if it is.
The answer to this question is more about the insurance programs the company participates in. My son was also born with issues. In his case he was born with a hole in his heart and his diaphragm. With his pre-existing condition and my wife's type 1 diabetes; we have been a bit limited with our insurance options. For the companies I have worked for, I have had to go with the HMO options. These options usually cost me a bit more, they match a bit less and have more limitations then the PPO plans also offered. But beyond that, I pay the same and the company matches the same as any other employee in the HMO plans. The challenge for a small company is to find insurance programs that they can afford. Usually the best I hear of is to find group deals where the insurance provider groups many small companies together so that they can get the same deals as larger companies. -------------- Ian Skinner Web Programmer BloodSource www.BloodSource.org Sacramento, CA --------- | 1 | | --------- Binary Soduko | | | --------- "C code. C code run. Run code run. Please!" - Cynthia Dunning Confidentiality Notice: This message including any attachments is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender and delete any copies of this message. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Introducing the Fusion Authority Quarterly Update. 80 pages of hard-hitting, up-to-date ColdFusion information by your peers, delivered to your door four times a year. http://www.fusionauthority.com/quarterly Archive: http://www.houseoffusion.com/groups/CF-Community/message.cfm/messageid:216612 Subscription: http://www.houseoffusion.com/groups/CF-Community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=11502.10531.5
