Posted on October 22, 2018
Author Jacque Ryan, WKVI
North Judson Town Council members reviewed some options for employee health insurance when they met last Monday.
The Town’s insurance broker John Howard from the Wealth Care Group announced that if officials wish to stick with their current provider, the deductibles would stay at $50 for a single plan and a $100 for a family plan but they won’t receive all of the same benefits.
Howard explained, “United Health Care had determined that for your particular plan, they would offer a similar benefit next year but it would not include any coverage for out of the network doctors.”
Howard was particularly excited about a unique option being offered by Anthem. He remarked, “It’s the first time I’ve ever seen a plan offered from a major company that has a zero deductible. Anthem is now offering a 90/10 plan, 90 percent coinsurance, that has a zero deductible for single and zero deductible for family, as long as it’s in network.”
Howard noted that nowadays, most local health care providers are linked with major health insurance networks but some specialty doctors may not be. Members were also presented with a few alternatives that offer out of network coverage.
Council members are expected to take these options under advisement and make a decision at a council meeting in November.
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