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The deductible is so high and the premium is so large I think you might be better off going to the exchange. You also will pay a higher premium for your corporate health insurance if you are in sales on straight commission that the employees that are on salary do (which includes management and operations). When I asked HR why that was the case they said "It was due to the fact that straight commission Sales People make too much money at Heartland and the Founder Bob Carr felt it was only fair that Sales people (most of which are really starving at Heartland) should pick up a little more of the premium costs to help pay for the lower premium the back office people pay." Let me tell you how much that warmed the wife's heart to hear that part of my increased premium was going to the downtrodden management and operations people so that they didn't have to pay as much premium for the same health benefits that I had.
Typical commission sales health insurance with big deductible.
I have had better coverage and a better price, but it is far better than getting coverage outside of Heartland on your own.
great benefit with dental and vision
Three plans to choose from. Low cost
it is there when you need it!
HIGH deductible, not accepted everywhere, comes out of checks weekly, just okay, but better than nothing
1. All full time Administrative employees are eligible for medical benefits on their first day of employment with Heartland. 2. Employees are responsible for a portion of the monthly premium: Employee only - $38.00 per pay; Employee & Spouse - $78.66 per pay; Employee & Child - $64.60 per pay; Family - $98.81 per pay. 3. The annual deductible for single employee coverage is $1500. The annual deductible for employees plus one or more dependents is $3000. 4. Out of pocket maximum: $3000 for single/$6000 for family 5. Dental: Employee only - $2.40 per pay; Employee & Spouse - $5.08 per pay; Employee & Child - $4.07 per pay; Family - $6.44 per pay 6. Vision: Employee only - $3.34 per pay; Employee & Spouse - $6.77 per pay; Employee & Child - $7.09 per pay; Family - $8.96 per pay 7. HSA: The company will contribute $600 for single employees and $1200 for employees with one or more dependents in this account
It is better to get health insurance outside of Heartland.
you pay for everything so they really provide you with nothing!