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Health Insurance question Massachusetts

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  • Health Insurance question Massachusetts

    I work for a nursing home, and our administrator is in the process of "renegotiating" the premiums on our health insurance plan. He dragged his feet, trying to get the best price between several companies. He finally decided to remain with our existing provider, but our premium will be rising 67%. We have been offered the option of either choosing the new plan, or keeping our old plan(at the same rate, but at higher co-pay amounts, etc.). We were informed on Thursday at 2:30pm, and were forced to have a decision by Monday at 12:00pm. Is there any time frame that the law allows in order to search out other options?? I think we were raushed into a decision without having a fair chance to examine both the policies, and other options available(through outside sources). Thanks for any information you can give me. Mike

  • #2
    Sorry, but while MA law requires the carrier to provide the employer with 30 days notice of a change in premium (which is not nearly enough) there is no law dictating that the employer provide any such notice to the employees.

    If you have never been the one to do the renegotiating, I would hesitate to claim the employer "dragged his feet". I've done it many times and it is by no means a quick or easy process. The reason premium changes go into effect with so little notice to employees is that it often takes the full thirty days to get it all pulled together, even if you're lucky enough to have nothing whatsoever else to do.
    The above answer, whatever it is, assumes that no legally binding and enforceable contract or CBA says otherwise. If it does, then the terms of the contract or CBA apply.

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    • #3
      thanks

      Well, thank you for the information anyways. I just feel that we should have been given more time to examine the new policy, and examine both options a little more in detail. Especially when the old one had such a significant jump in price.

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      • #4
        It would have been nice if that were possible, but unfortunately it simply is not always possible. Nor is it required by law.
        The above answer, whatever it is, assumes that no legally binding and enforceable contract or CBA says otherwise. If it does, then the terms of the contract or CBA apply.

        Comment

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