The Virtues Of The Employee Health Plan

How does state health insurance compare to other insurance plans?
All fifty states provide health insurance coverage to their state employees. However, eligibility, amount of coverage, and employees’ financial responsibilities varies state-to- state. An employee health plan offered by the state is often among the best plans available. Unfortunately, many states are facing budget cuts and legislation trimming down employee benefits due to the economic shortfalls across the country. Although some states need to make cuts, their benefits are still exceptional.

States provide coverage to an estimated 3.4 million employees, or 10% of the country’s workforce. 97 % of full time state employees are eligible for the state employee health plan. Of those eligible, 91% use it. These high statistics show that states provide excellent coverage for their employees. Even better, nearly half of the states offer their coverage to non-state employees such as city or county workers, public school teachers, and/or higher education teachers. These employees receive the same or equivalent benefits as state employees. This is a big incentive for teachers and other employees looking for good health insurance coverage.

States often carry some of the lowest premiums available. They often pay more than half of the premium amount, putting more money in their employee’s pocket. Fortunately, most states offer multiple health insurance plans for their employees to choose from. You can shop around for the coverage that fits your needs rather than being “stuck” with only one plan to choose from.

Unfortunately, state employee health plans are not immune from the economy’s troubles. Employee health plan benefits are facing major cuts in some states because of budget shortfalls due to the housing crisis and rise in fuel prices. While many states are making some cuts, their health benefits are still among the best available. If you or your spouse thinks you may qualify for state benefits, check with your local state government for more information on eligibility requirements, premium prices and included benefits.