Massachusetts employers and employees must have Mass Health Insurance coverage. Mass Health Insurance helps the employer and employee by reducing the cost of health care and other healthcare-related expenses. In Massachusetts, Employers and Employees are required to obtain and maintain Mass Health Insurance, in compliance with the provisions of Mass Health Insurance Law. If your company does not have Mass Health Insurance, you should consider getting one. Before you decide to purchase a policy, you should get quotes from at least three different insurance companies. Get quotes from Blue Cross/Blue Shield, Kaiser Permanente, and Learjet. All three provide excellent coverage, but each also has its advantages and disadvantages. When comparing these companies' prices, look at the premiums that they charge for the same level of coverage. Also find out what kinds of medical services your employer covers and whether any of these services are excluded from your policy. Some employers offer only open policies, which give an employee the freedom to choose his or her healthcare. Do some research to learn about the reputation of different companies. Find out what the Consumer Reports Best Practices and Consumer Review Experts have to say about the insurer you are considering. Find out what your doctor thinks about the insurer. Speak to former or current patients about their experiences with different medical providers. It is always wise to ask your boss about the length of time he believes his company's workers comp policy will last. Also, check out what kind of dental and vision benefits your employer offers. Most employers cover these services. Check to see if you qualify for any of these discounts. Some companies may require an employee to stop working while receiving treatment from a physician covered by the insurance company. This can sometimes be a problem because a worker may not receive the treatment he needs until he gets back from the doctor, and then the company won't pay for it. Ask how many times this happens. If it happens often, talk to your boss about it, or try to file a personal injury claim. Is there anything the company won't cover? Be sure to find out. Some companies will exclude things like pain from car accidents, certain kinds of cosmetic surgery, and some types of cancer treatment. In addition, some insurance plans don't cover dental procedures like braces or root canals. Talk to your dentist and insurance agent to learn what is covered under each plan. You might also want to discuss the costs of glasses and reading glasses if you wear them on a daily basis. How do you get covered? In most cases, you will be required to sign a written agreement before you can receive benefits. Make sure you understand what is stated in this agreement. Your employer should be able to help you in this area, especially if you have a pre-existing medical condition. If Insureinfoq of any coverage exclusions in your agreement, speak to a lawyer. How much will my compensation be? The amount of your payment will depend on your age and the type of work you do. For example, those who perform work with heavy machinery should expect to make more money. Plus, if you are younger than 45, the company will probably require you to have an employers' health policy in force at all times. If you are injured at work, you can file a claim for lost income and medical expenses you have experienced. Will I have to pay for COBRA insurance for sick employees? COBRA is an employer-related group plan that is available in Massachusetts. According to Mass Health, COBRA is a set of federal laws that allow an eligible employee who has been unable to return to work due to a workers' comp diagnosis to continue coverage under the plan during a specific period of time after a loss of income. In order to keep the benefits, an employee must continue to work for the employer for at least one additional calendar month after the date of the diagnosis. What is covered by my worker's comp? Mass Health has a pretty comprehensive list of what is covered by your plan. It starts with general coverage and includes personal injury protection, such as wear and tear on your job. It also includes general-based or premium adjustments to limits of liability, including wages and salaries, and other coverage that reduce the risk of a disability. Also covered are economic protection, which means loss of income because of a decrease in the number of working hours. Does my employer offer this type of coverage? Massachusetts employers are typically responsible for their own workers' comp plans. If you currently work for an employer who does not offer this type of insurance, or if you are interested in purchasing COBRA coverage for yourself, you can visit the website of an independent insurance broker. They will be able to guide you through the process of choosing a plan, contacting an existing employer, and filling out the paperwork necessary to make your coverage official. Because these types of policies can vary depending on the state, it is critical that you take the time to do research and speak with a professional about your options.
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