What would you consider to be good medical coverage?

For example, we're all on Kaiser Permanente, which believe it or not has been 
excellent for the past sixteen years, but it costs us about $727 per month 
(plus $25 co-pay) between David's policy and the family plan for me, Lisa, and 
the kids.  And you know this is just going to go up again big time next year.

Continuing from my previous post, how does qualifying for coverage figure into 
hiring?  What if a potential employee is turned down for coverage?  How do 
companies handle that, typically? Respectfully,

Adam

In my current position, I pay about $90 per bi-weekly paycheck for medical 
coverage.  This puts me in a Blue Shield HMO plan with good medical coverage.  
I have the benefit of working for larger (500+ employees) companies for most of 
the last decade.  They offer multiple plans.  With my family's medical 
conditions, we have not qualified for the better PPO plans, so have to used the 
HMO plans which usually cost a bit more, offer a few less niceties, but do not 
turn down based on pre-existing conditions.  For smaller companies, you need to 
find a good benefits broker that can help you get a good plan at a good cost 
for you and your employee(s).

As I mentioned before, I quote nearly double my desired rate when I have been 
recruited over the last few years for positions that offered little or no 
insurance.  Because of this, I have not found a position that would entice me 
to leave this one, even though, as a non-profit, I am paid a bit less then the 
going rate for a developer like me in this area.

Just last Friday, this company announced that it will absorb the insurance 
increase for the fiscal year that started October 1st and not pass any of it on 
to the employees; a nice plus for me.




--------------
Ian Skinner
Web Programmer
BloodSource
www.BloodSource.org
Sacramento, CA

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