How do I go about getting health insurance for my nanny?

Question

I just hired a full time, live-in nanny and want to provide. Medical, dental and prescription coverage., Does anyone know of an economical place to look? Any company suggestions?

Thanks so much!

Answer 1

You can look into a Blue Cross/ Blue Shield Health Savings Account. It has a lot of benefits (q-tips, asperin, crutches, etc). It will have a high deductible which you could help her fund but you will have a wide range of coverage and a good plan.

Humana Health is another good one.

Answer 2

Here are a couple different options for you.  The first, and probably more difficult, is to organize yourself as a corporation (LLC) with your nanny as an employee.  Depending on the rules in your state, this may allow you to purchase a group health insurance plan to cover your nanny (and possibly yourself and your dependents).  

The second option is to encourage your nanny to work through a licensed agent who represents multiple insurance companies in your area and find an individual plan that works for her needs and your budget.  Then after your nanny applies for coverage and is accepted you can cover the cost of the monthly health insurance premiums in the form of additional compensation.

The only challenge with the second option is that in most states a person with pre-existing medical conditions may be turned down for individual coverage.  This is not the case with an employer-based group health insurance plan.

In either case, you should work with a licensed agent to get an idea of what’s available in your area.  You can also visit eHealthInsurance.com (where I work) to get free quotes online from a broad selection of companies, compare plans side by side, and apply online.  We have licensed agents you can talk to for personal help, toll-free, at 1-800-977-8860.

Hope that helps!

Amir M, licensed agent

Answer 3

I don't know where you live...but Golden Rule has several different kinds of health ins. policies available.  Just go on line to Golden Rule insurance and check them out.

Answer 4

AmeriPlan's discount programs will cover up to 20 people in your household (related or not) for only $29.95/mo.  

Answer 5

well first you would have to go through a agency. Global Life, or others.

They may want a physcal on your granny, then you pay monthly. Make sure she alive 2 years, then when she dies you send a death cericafice then you get paid. lol.