New job?

W

welshwitch

Guest
Thanks Piper! ANd yes, it's not legal advice, just "friendly advice". <img src="i/expressions/face-icon-small-smile.gif" border="0"> Thank you, thank you!

I haven't seen the official offer letter and/or health insurance options yet, so this will tide me over until I do. I live in CA, BTW. I've dealt with COBRA in the past -- here I think it can be around $550 per month. But it would be worth it, as you know. Maybe doing one month of COBRA is the way to go. Thanks again for your insight.

Re: the telling your employer issue: I guess I'm just concerned because since this is a small start up I don't want my health issues to also affect the start up. Ie, could my medical bills impact my employer at all? Ie, since my prescriptions are likely to be constant, would they somehow have access to what I'm getting? Or is this confidential info that only the benefits company interfaces with? I'm just so confused about this. I don't want to be a liability to my new employer.
 
W

welshwitch

Guest
Thanks Piper! ANd yes, it's not legal advice, just "friendly advice". <img src="i/expressions/face-icon-small-smile.gif" border="0"> Thank you, thank you!

I haven't seen the official offer letter and/or health insurance options yet, so this will tide me over until I do. I live in CA, BTW. I've dealt with COBRA in the past -- here I think it can be around $550 per month. But it would be worth it, as you know. Maybe doing one month of COBRA is the way to go. Thanks again for your insight.

Re: the telling your employer issue: I guess I'm just concerned because since this is a small start up I don't want my health issues to also affect the start up. Ie, could my medical bills impact my employer at all? Ie, since my prescriptions are likely to be constant, would they somehow have access to what I'm getting? Or is this confidential info that only the benefits company interfaces with? I'm just so confused about this. I don't want to be a liability to my new employer.
 
W

welshwitch

Guest
Thanks Piper! ANd yes, it's not legal advice, just "friendly advice". <img src="i/expressions/face-icon-small-smile.gif" border="0"> Thank you, thank you!

I haven't seen the official offer letter and/or health insurance options yet, so this will tide me over until I do. I live in CA, BTW. I've dealt with COBRA in the past -- here I think it can be around $550 per month. But it would be worth it, as you know. Maybe doing one month of COBRA is the way to go. Thanks again for your insight.

Re: the telling your employer issue: I guess I'm just concerned because since this is a small start up I don't want my health issues to also affect the start up. Ie, could my medical bills impact my employer at all? Ie, since my prescriptions are likely to be constant, would they somehow have access to what I'm getting? Or is this confidential info that only the benefits company interfaces with? I'm just so confused about this. I don't want to be a liability to my new employer.
 
W

welshwitch

Guest
Thanks Piper! ANd yes, it's not legal advice, just "friendly advice". <img src="i/expressions/face-icon-small-smile.gif" border="0"> Thank you, thank you!

I haven't seen the official offer letter and/or health insurance options yet, so this will tide me over until I do. I live in CA, BTW. I've dealt with COBRA in the past -- here I think it can be around $550 per month. But it would be worth it, as you know. Maybe doing one month of COBRA is the way to go. Thanks again for your insight.

Re: the telling your employer issue: I guess I'm just concerned because since this is a small start up I don't want my health issues to also affect the start up. Ie, could my medical bills impact my employer at all? Ie, since my prescriptions are likely to be constant, would they somehow have access to what I'm getting? Or is this confidential info that only the benefits company interfaces with? I'm just so confused about this. I don't want to be a liability to my new employer.
 
W

welshwitch

Guest
Thanks Piper! ANd yes, it's not legal advice, just "friendly advice". <img src="i/expressions/face-icon-small-smile.gif" border="0"> Thank you, thank you!
<br />
<br />I haven't seen the official offer letter and/or health insurance options yet, so this will tide me over until I do. I live in CA, BTW. I've dealt with COBRA in the past -- here I think it can be around $550 per month. But it would be worth it, as you know. Maybe doing one month of COBRA is the way to go. Thanks again for your insight.
<br />
<br />Re: the telling your employer issue: I guess I'm just concerned because since this is a small start up I don't want my health issues to also affect the start up. Ie, could my medical bills impact my employer at all? Ie, since my prescriptions are likely to be constant, would they somehow have access to what I'm getting? Or is this confidential info that only the benefits company interfaces with? I'm just so confused about this. I don't want to be a liability to my new employer.
 
K

kmaried

New member
Hi!

Depending on your state's laws & the start-up's size - the insurance company can and will factor claim experience with the start-up into determining premiums. This means, the first year, you might not effect premiums... but the 2nd year you might. I only know this because my Dad owned his own company for a while and he paid all his employee's medical insurance 100%, but his premiums were a bit high b/c of his darling daughter, lol. I had heard about legislation at some point to protect discrimination against employees with health issues that did not allow insurance companies to 'individually rate' companies with below a certain number of employees. (i.e., protect you from getting fired for something stupid once the employer sees his premiums rise on account of your claims)

All in all, I'm really not being helpful. The conclusion of this is you have a very legimate reason to feel your claims could affect the start-up's employee's insurance premiums - but you would really have to check your state laws further, because my experience is both outdated and state specific. The insurance company though WOULD NOT be allowed to give the start-up any information about your claims. I would doubt that the start-up would even know it was you in particular causing the high claim amounts.

I hope this helps - I really hope that law prohibiting companies under a certain size from being individually rated applies, so that you're free to persue this exciting opportunity!

Kris
 
K

kmaried

New member
Hi!

Depending on your state's laws & the start-up's size - the insurance company can and will factor claim experience with the start-up into determining premiums. This means, the first year, you might not effect premiums... but the 2nd year you might. I only know this because my Dad owned his own company for a while and he paid all his employee's medical insurance 100%, but his premiums were a bit high b/c of his darling daughter, lol. I had heard about legislation at some point to protect discrimination against employees with health issues that did not allow insurance companies to 'individually rate' companies with below a certain number of employees. (i.e., protect you from getting fired for something stupid once the employer sees his premiums rise on account of your claims)

All in all, I'm really not being helpful. The conclusion of this is you have a very legimate reason to feel your claims could affect the start-up's employee's insurance premiums - but you would really have to check your state laws further, because my experience is both outdated and state specific. The insurance company though WOULD NOT be allowed to give the start-up any information about your claims. I would doubt that the start-up would even know it was you in particular causing the high claim amounts.

I hope this helps - I really hope that law prohibiting companies under a certain size from being individually rated applies, so that you're free to persue this exciting opportunity!

Kris
 
K

kmaried

New member
Hi!

Depending on your state's laws & the start-up's size - the insurance company can and will factor claim experience with the start-up into determining premiums. This means, the first year, you might not effect premiums... but the 2nd year you might. I only know this because my Dad owned his own company for a while and he paid all his employee's medical insurance 100%, but his premiums were a bit high b/c of his darling daughter, lol. I had heard about legislation at some point to protect discrimination against employees with health issues that did not allow insurance companies to 'individually rate' companies with below a certain number of employees. (i.e., protect you from getting fired for something stupid once the employer sees his premiums rise on account of your claims)

All in all, I'm really not being helpful. The conclusion of this is you have a very legimate reason to feel your claims could affect the start-up's employee's insurance premiums - but you would really have to check your state laws further, because my experience is both outdated and state specific. The insurance company though WOULD NOT be allowed to give the start-up any information about your claims. I would doubt that the start-up would even know it was you in particular causing the high claim amounts.

I hope this helps - I really hope that law prohibiting companies under a certain size from being individually rated applies, so that you're free to persue this exciting opportunity!

Kris
 
K

kmaried

New member
Hi!

Depending on your state's laws & the start-up's size - the insurance company can and will factor claim experience with the start-up into determining premiums. This means, the first year, you might not effect premiums... but the 2nd year you might. I only know this because my Dad owned his own company for a while and he paid all his employee's medical insurance 100%, but his premiums were a bit high b/c of his darling daughter, lol. I had heard about legislation at some point to protect discrimination against employees with health issues that did not allow insurance companies to 'individually rate' companies with below a certain number of employees. (i.e., protect you from getting fired for something stupid once the employer sees his premiums rise on account of your claims)

All in all, I'm really not being helpful. The conclusion of this is you have a very legimate reason to feel your claims could affect the start-up's employee's insurance premiums - but you would really have to check your state laws further, because my experience is both outdated and state specific. The insurance company though WOULD NOT be allowed to give the start-up any information about your claims. I would doubt that the start-up would even know it was you in particular causing the high claim amounts.

I hope this helps - I really hope that law prohibiting companies under a certain size from being individually rated applies, so that you're free to persue this exciting opportunity!

Kris
 
K

kmaried

New member
Hi!
<br />
<br />Depending on your state's laws & the start-up's size - the insurance company can and will factor claim experience with the start-up into determining premiums. This means, the first year, you might not effect premiums... but the 2nd year you might. I only know this because my Dad owned his own company for a while and he paid all his employee's medical insurance 100%, but his premiums were a bit high b/c of his darling daughter, lol. I had heard about legislation at some point to protect discrimination against employees with health issues that did not allow insurance companies to 'individually rate' companies with below a certain number of employees. (i.e., protect you from getting fired for something stupid once the employer sees his premiums rise on account of your claims)
<br />
<br />All in all, I'm really not being helpful. The conclusion of this is you have a very legimate reason to feel your claims could affect the start-up's employee's insurance premiums - but you would really have to check your state laws further, because my experience is both outdated and state specific. The insurance company though WOULD NOT be allowed to give the start-up any information about your claims. I would doubt that the start-up would even know it was you in particular causing the high claim amounts.
<br />
<br />I hope this helps - I really hope that law prohibiting companies under a certain size from being individually rated applies, so that you're free to persue this exciting opportunity!
<br />
<br />Kris
 
L

LouLou

New member
Is it a small start up? If so, your high medical claims will greatly effect the group policy. In a large corporation one cfer doesn't make much of an immpact on the premium prices per person.

I worked for a small start up. 5-10 people at any given time and straight out of school I was given the project to find the company health insurance. When I thought I'd found the one, I disclosed to the rep "what would happen if one of my colleagues has cf." He said each year every single individual in the company would have their premium maxed out. The increase was astronomical. I decided to go ahead and recommend the policy to the company but continue cobra'ing my parents from college until I married my now husband and could get on his university policy (he was working on his PhD and had great insurance).

I have had two employers and with each I told them about my cf at my 1 yr review. Now keep in mind, I never had to be hospitalized and I only missed around 6 days a year for sickness. Then after I had my son I had an increase in infections (not a drop in FEV1) and applied for SSDI and now stay home to care for myself and son. I let them tell me what a great job I had been doing and then dropped the bomb. Each time they were very cool about it. Just said something like "well just let me know if you need any sort of special accomodations for it because I won't know you seem able to keep up just fine or better (LOL) than the rest of us!" I felt good knowing I had set a precidence of being a good worker before I told them. In retrospect I wish I had told soon, like at 6 months, because I felt like I had a monkey on my back and got really worried about "my secret" sometimes. Just do what feels right. For me everything career wise always seemed to work out.
 
L

LouLou

New member
Is it a small start up? If so, your high medical claims will greatly effect the group policy. In a large corporation one cfer doesn't make much of an immpact on the premium prices per person.

I worked for a small start up. 5-10 people at any given time and straight out of school I was given the project to find the company health insurance. When I thought I'd found the one, I disclosed to the rep "what would happen if one of my colleagues has cf." He said each year every single individual in the company would have their premium maxed out. The increase was astronomical. I decided to go ahead and recommend the policy to the company but continue cobra'ing my parents from college until I married my now husband and could get on his university policy (he was working on his PhD and had great insurance).

I have had two employers and with each I told them about my cf at my 1 yr review. Now keep in mind, I never had to be hospitalized and I only missed around 6 days a year for sickness. Then after I had my son I had an increase in infections (not a drop in FEV1) and applied for SSDI and now stay home to care for myself and son. I let them tell me what a great job I had been doing and then dropped the bomb. Each time they were very cool about it. Just said something like "well just let me know if you need any sort of special accomodations for it because I won't know you seem able to keep up just fine or better (LOL) than the rest of us!" I felt good knowing I had set a precidence of being a good worker before I told them. In retrospect I wish I had told soon, like at 6 months, because I felt like I had a monkey on my back and got really worried about "my secret" sometimes. Just do what feels right. For me everything career wise always seemed to work out.
 
L

LouLou

New member
Is it a small start up? If so, your high medical claims will greatly effect the group policy. In a large corporation one cfer doesn't make much of an immpact on the premium prices per person.

I worked for a small start up. 5-10 people at any given time and straight out of school I was given the project to find the company health insurance. When I thought I'd found the one, I disclosed to the rep "what would happen if one of my colleagues has cf." He said each year every single individual in the company would have their premium maxed out. The increase was astronomical. I decided to go ahead and recommend the policy to the company but continue cobra'ing my parents from college until I married my now husband and could get on his university policy (he was working on his PhD and had great insurance).

I have had two employers and with each I told them about my cf at my 1 yr review. Now keep in mind, I never had to be hospitalized and I only missed around 6 days a year for sickness. Then after I had my son I had an increase in infections (not a drop in FEV1) and applied for SSDI and now stay home to care for myself and son. I let them tell me what a great job I had been doing and then dropped the bomb. Each time they were very cool about it. Just said something like "well just let me know if you need any sort of special accomodations for it because I won't know you seem able to keep up just fine or better (LOL) than the rest of us!" I felt good knowing I had set a precidence of being a good worker before I told them. In retrospect I wish I had told soon, like at 6 months, because I felt like I had a monkey on my back and got really worried about "my secret" sometimes. Just do what feels right. For me everything career wise always seemed to work out.
 
L

LouLou

New member
Is it a small start up? If so, your high medical claims will greatly effect the group policy. In a large corporation one cfer doesn't make much of an immpact on the premium prices per person.

I worked for a small start up. 5-10 people at any given time and straight out of school I was given the project to find the company health insurance. When I thought I'd found the one, I disclosed to the rep "what would happen if one of my colleagues has cf." He said each year every single individual in the company would have their premium maxed out. The increase was astronomical. I decided to go ahead and recommend the policy to the company but continue cobra'ing my parents from college until I married my now husband and could get on his university policy (he was working on his PhD and had great insurance).

I have had two employers and with each I told them about my cf at my 1 yr review. Now keep in mind, I never had to be hospitalized and I only missed around 6 days a year for sickness. Then after I had my son I had an increase in infections (not a drop in FEV1) and applied for SSDI and now stay home to care for myself and son. I let them tell me what a great job I had been doing and then dropped the bomb. Each time they were very cool about it. Just said something like "well just let me know if you need any sort of special accomodations for it because I won't know you seem able to keep up just fine or better (LOL) than the rest of us!" I felt good knowing I had set a precidence of being a good worker before I told them. In retrospect I wish I had told soon, like at 6 months, because I felt like I had a monkey on my back and got really worried about "my secret" sometimes. Just do what feels right. For me everything career wise always seemed to work out.
 
L

LouLou

New member
Is it a small start up? If so, your high medical claims will greatly effect the group policy. In a large corporation one cfer doesn't make much of an immpact on the premium prices per person.
<br />
<br />I worked for a small start up. 5-10 people at any given time and straight out of school I was given the project to find the company health insurance. When I thought I'd found the one, I disclosed to the rep "what would happen if one of my colleagues has cf." He said each year every single individual in the company would have their premium maxed out. The increase was astronomical. I decided to go ahead and recommend the policy to the company but continue cobra'ing my parents from college until I married my now husband and could get on his university policy (he was working on his PhD and had great insurance).
<br />
<br />I have had two employers and with each I told them about my cf at my 1 yr review. Now keep in mind, I never had to be hospitalized and I only missed around 6 days a year for sickness. Then after I had my son I had an increase in infections (not a drop in FEV1) and applied for SSDI and now stay home to care for myself and son. I let them tell me what a great job I had been doing and then dropped the bomb. Each time they were very cool about it. Just said something like "well just let me know if you need any sort of special accomodations for it because I won't know you seem able to keep up just fine or better (LOL) than the rest of us!" I felt good knowing I had set a precidence of being a good worker before I told them. In retrospect I wish I had told soon, like at 6 months, because I felt like I had a monkey on my back and got really worried about "my secret" sometimes. Just do what feels right. For me everything career wise always seemed to work out.
 
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