Solutions for Employer Health-Plan Waiting Periods

Under federal law, employers that offer a group health plan to employees have up to 90 days to implement a new team member on a company health insurance plan. Some offer coverage right away, and some stretch out their risk up to the allowable 90 days for financial or administrative reasons. But even if a new employee doesn’t have health insurance through the company, you want them to remain healthy and financially viable while orienting to their new job. And we know COBRA is not feasible for a majority of the working population. Is there an economical option to keep employees from going uninsured?

Absolutely. Employees can get budget-friendly medical insurance coverage any time of year. For instance, short-term medical insurance policies like those offered by Pivot Health are available year-round and start at just 30 days of coverage and up to three years of coverage in many states for team members who do not qualify for the group health plan. Short-term medical plans are portable as well, so employees can take their insurance coverage with them if they move on to another job during the company’s probationary period.
 
Benefits often include:

• Preventive office visits
• Emergency room coverage
• Childhood immunizations paid at 100%
• Joint, neck, and spine injury coverage
• An all-access open doctor network
• Free and unlimited non-insurance virtual doctor visits 365/24/7

 
If your employees are in a health insurance waiting period and cannot afford COBRA, consider educating your employees about short-term medical insurance as an option to get coverage for accidents and illnesses instead of remaining uninsured. With insurance coverage, your employees can be healthier, miss fewer days of work due to sickness, and have additional financial protection should the unexpected arise. 

Contact your insurance broker about short-term medical plan options that your new employees can take advantage of.

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Pivot Health

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