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!
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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
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