Health insurance benefits examples:
- Benefits for long-term care and chronic illness
- Prescription drug coverage
- Prescription drug discount card
- Disability and Life Insurance
- Paid time off, including two weeks of vacation, ten paid holidays, and ten paid sick days
- Employee Wellness Plan (includes free flu shots, onsite flu shot clinic)
- Dental Plan *plans may vary by location/facility*
Let us discuss each of these in detail below:
Benefits for long-term care and chronic illness.
Under the Affordable Care Act, employers must offer coverage for certain health services. These include preventative care, screening, and diagnostic tests related to an employee’s chronic illnesses.
Employers must also offer coverage for the following:
- Skilled nursing care
- Home health care
- Physical therapy and rehabilitation services
This means that your company can cover these costs for you if you have an illness or disability. This takes a lot of the stress off of you as an employee, knowing that your job would continue to pay you even if you are unable to work at the moment.
Prescription drug coverage.
Employers are now required to provide prescription drug coverage for employees. This can be provided through a health benefit plan or a health reimbursement arrangement.
Prescription drug discount card.
If you are married and your spouse also has an employer-sponsored health plan, you might be able to get a prescription drug discount card. These cards can help you save up to 75% on brand-name prescriptions, as well as many generic drugs.
Disability and Life Insurance.
Employers are required under the law to offer employees the opportunity to purchase life insurance and short-term disability insurance. The short-term disability insurance will replace a portion of your income if you are unable to work due to illness or injury.
Paid time off, including two weeks of vacation, ten paid holidays, and ten paid sick days.
Employers have to be sure that employees have enough time off to recover from a serious illness or injury. FMLA, the federal law governing leaves for employees with serious illnesses or injuries, requires employers to give employees twelve weeks of unpaid leave.
Employees are entitled to this time off if they have worked for the company for at least a year, and if they work at a company with more than 50 employees.
Employee Wellness Plan (includes free flu shots, onsite flu shot clinic).
Employers are required to provide wellness services and health promotion programs for their employees. This means that your employer has a program in place to encourage you to stay healthy and make good health choices. This can include things such as exercise classes and onsite flu clinics.
Employers are also required to provide a workplace environment that is safe and healthy for their employees. They must also provide training materials related to the handling of hazardous materials.
Dental Plan *plans may vary by location/facility*
If your employer provides dental coverage, it must include certain preventive services that are recommended by the U.S Surgeon General. These services include:
- Regular oral screening
- Oral cancer screening
- Fluoride treatment for children
You may also be eligible for dental coverage under Medicaid if you meet certain requirements. Medicaid helps those who cannot afford health insurance but have limited incomes and resources. If you qualify for Medicaid, you should contact your local state Medicaid office to learn about whether you qualify and how to enroll in this program.