How to see exactly what a company's health insurance policy before applying to the job?
I want a job specifically for the health benefits Ive heard Wells Fargo offers, but I also heard that the company policy varies with per bank.
I want a job specifically for the health benefits Ive heard Wells Fargo offers, but I also heard that the company policy varies with per bank.
lucy
Favorite Answer
Poster Doggs2 hit it best.
Here is the problem. Let's say that Wells insurance is XYZ, but like most employers, every year the company reviews the coverage and costs and finds out that ABC is cheaper. So, instead of renewing with XYZ, they change their health insurance to ABC, which may not have the same coverage, have higher deductibles, or even EXCLUDE coverage that XYZ covered. This happens all the time, due to the high cost of health insurance that companies pay for, since health insurance keeps rising.
IF/when you apply and have an interview and ask them, most likely all they will tell you when you are eligible, such as immediately, 30 or 90 days, and possibly the employee cost for the insurance. But, unless you specifically tell them you are applying to companies just for their insurance coverage, might set off "red flags" and they may not decide to hire you.
Per other questions, you are considering surgery/ies and that creates another problem and that is time off work while "recuperating".
Unless an current employee would be able to give you a copy of the insurance they currently have to review, there is no way to know for certain if it will cover you or not, for what you are looking for.
good luck
Doggs2
At the point where you are offered a job position with the company is the point where they should be forthcoming about what your insurance policy will offer. Which mean you have already applied and in the negotiation process. Before that, it is usually a "private" agreement with the insured and the insurer negotiated on a yearly basis.
Unless you can find someone to show you a copy of their policy. However, theirs may even be different than what they offer you; as policies, while they may be across the board at a company, are not always the same between different levels of employees i.e. a CEO may be given insurance perks you will not receive unless you are at that level.
In addition, whatever they are offering is what you are going to get. It is doubtful they are going to renegotiate their insurance just to get you on board. Again, depending on your position value to the company.
Good luck
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You can ask them, but getting a job SOLELY based on their health insurance is like picking a vacation spot because you like the soap that the hotel room has.
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You can't. There is NO WAY you can ascertain what the benefits are for that job unless you know someone already employed there.
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You're not going to know that until you are hired.