Group benefits plans used to be exclusively offered to full-time hospital employees. Casual hospital workers were, unfortunately, excluded from any and allgroup health plans simply due to the number of hours they worked during a week. It didn’t matter how long they’d worked there, how loyal and dedicated they were to their jobs, or how hard they worked.
Being excluded from benefits plans adds a lot of stress on casual hospital workers. There is a financial stress of affording ongoing prescriptions and preventative care as well as the “what if” stress of a catastrophic event occurring while not covered under a plan.
The good news is this stress can be lifted thanks to benefits plans for casual hospital workers—yes, these plans do exist! Now, casual employees can receive benefits similar to the coverage their full-time colleagues receive andhere’s what you need to know about these benefits plans.
These Benefits Plans Do Exist
Many casual hospital employees erroneously believe they cannot get insurance through their workplaces due to their hours of work.
While it’s true you won’t be able to join the traditional benefits plan offered to your full-time colleagues, you can still get the health benefits you want and need through Health Care Providers’ (HCP) Plan 2 and Plan 65+, which are the only group benefits plans currently available to casual hospital employees on a voluntary basis.
HCP is an insurance provider that offers benefits coverage to employees who do not traditionally receive benefits through their employers, including casual, part-time, and retired hospital employees.
Joining Is Voluntary
HCP’s benefits plans for casual hospital employees are voluntary. You can choose whether or not to join the plan and you can choose to add on enhanced coverage as well. And though you will receive coverage through your workplace, the voluntary nature of this insurance means you are paying the premiums, not your employer.
The good news is joining a voluntary group benefits program leads to significant cost savings for you due to group buying power.
You’re Guaranteed Coverage
Regardless of your current health status or the health of your dependents, you and your family are guaranteed the Essential level of coverage for extended healthcare. You can, however, voluntarily submit a statement of health in order to qualify for the enhanced Optimal level of benefits at no additional cost if you are in exceptional health.
Who Can Join?
To join HCP’s Plan 2, you must work at an endorsing hospital, be under the age of 65, work less than 18 hours per week, and be actively working. Under this plan, you will receive extended healthcare coverage, along with the option to add on basic or enhanced dental coverage.
Are you a casual hospital employee over the age of 65? No problem. You’re still eligible for benefits under HCP’s 65+ Plan. Under this plan, you’ll receive extended healthcare and you’ll also receive the opportunity to add on basic or extended dental coverage if you so choose to.
Extended healthcare for Plans 2 and 65+ includes coverage for prescription drugs (not included in Essential coverage for Plan 65+), out-of-country travel (and cancellation insurance for Plan 65+), hospital accommodations (for higher levels of coverage), and private duty nursing along with several paramedical services, vision care, audio care, accidental death, medical items, emergency transport, and Employee Assistance Program sessions.
How to Join
Applying for coverage through HCP is easy. All application forms are easily accessible on the company’s website. Simply fill out and send in the appropriate forms and you can start prioritizing your physical and mental well-being, reducing your stress, and reducing the financial burden of preventative care and treatment.