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Cathleen Wright

Casual hospital employees aren’t eligible to join their workplaces’ group health insurance plans. That’s a fact of life. Eligibility requirements for group plans require members to have a full-time job posting regardless of the hours they work per week.Of course, you might not think this is fair—you work hard and you’re a loyal employee. You should have access to benefits just like your colleagues.

 

This feeling is understandable. Most employees expect their employers to offer them health benefits. You’re not alone.

 

Though you may not be able to join the same health plan offered to your full-time colleagues, however, you still have options.

 

Don’t Stay Uninsured

 

Perhaps you already know this, but staying uninsured shouldn’t be an option. You have health needs just like everyone else, as do your family members. Without health benefits, you will be left to pay out of pocket for all medical expenses, including dental visits, emergency visits, prescriptions, and more. This can put significant financial pressures on you and your family.

 

Being without health benefits can also add undue stress to your life. What if you develop a chronic illness? What if you develop a serious, life-threatening illness? What if your spouse or child requires significant dental work? How will you pay for the medical bills associated with catastrophic illnesses? This stress is avoidable if you were to be insured.

 

What’s more, being uninsured typically leads to poorer health. You might avoid dental and doctor visits to save on out-of-pocket costs. You might stop refilling your needed prescriptions because they’re too expensive. You might not get a problem looked at for a long time, which could worsen the issue at hand.

 

Being uninsured isn’t an option casual hospital employees should consider simply because they cannot join their workplaces’ health benefits plans.

 

Don’t Purchase Insurance on Your Own

 

Due to all of the reasons stated above, you might think that any health insurance is better than no health insurance. While this is true, you shouldn’t have to pay extravagant premiums to protect your health and that of your family.

 

Purchasing health benefits as an individual is quite expensive, no matter where you look. You might only be able to afford the most basic, bare-bones insurance package that doesn’t really meet your medical needs or offer the protection you were seeking.

 

You might think, “but what other option do I have?” Fortunately, you do have another option besides remaining uninsured or paying high premiums or minimal health benefits.

 

Join Your Hospital’s Voluntary Group Benefits Plan

 

Hospitals are largely staffed by part-time and casual employees. And they understand their current group benefits plans exclude a wide majority of their workforce. As a result, many hospitals have begun offering voluntary group benefits to their part-time and casual hospital employees.

 

A voluntary group plan can be accessed through your workplace, though you will be paying the premiums by yourself. How is this better than purchasing insurance on your own? Through a group plan, you’ll receive better prices and higher-quality benefits because many individuals will be pooled together to reduce the overall cost of the health benefits.

 

HCP’s Plan 2

 

Hospitals offer their casual employees who work under 18 hours per week the option of joining Health Care Providers’ (HCP) Plan 2. It’s easy to apply and you’re guaranteed coverage.

 

Under HCP’s Plan 2, you’ll get comprehensive extended healthcare coverage for you and your family, as well as the option to add on basic or enhanced dental coverage. From prescription costs and paramedical services to access to the Employee Assistance Program and emergency transportation, HCP’s Plan 2 will have you covered.

 

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Cathleen Wright

With over 30 years of experience, Cathleen possesses an ever-growing knowledge of all aspects of group employee benefits, combined with expertise in the evolving landscape of the insurance industry. She is HIAA and ADR certified, in addition to numerous other professional sales and service certifications. When not working, Cathleen can be found at home watching the Leafs or the Blue Jays, and if it’s summer, she’ll be unplugged at the cottage with a book. Year round yoga is a must to maintain serenity, and a glass of wine or a margarita doesn’t hurt!
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