How does state medical insurance compare to other insurance plans?

All fifty states provide health insurance coverage to their state workers. Notwithstanding, eligibility, amount of coverage, and employees’ financial responsibilities varies state-to- state.  An staff member health plan offered by the state is often among the best plans available.

Regrettably, many states are facing budget cuts and legislation trimming down staff member benefits due to the economic shortfalls across the country. Although some states need to make cuts, their benefits are still exceptional.

States provide coverage to roughly 3.4 million staff members, or 10% of the United States’s workforce. 97 % of full time state staff members are eligible for the state worker health plan. of those eligible, 91% use it. These high statistics show that states provide great coverage for their staff members.

Even better, nearly half of the states offer their coverage to non-state staff members like city or county staff members, public school teachers, and/or higher education teachers.

These employees receive the same or equivalent benefits as state employees. This is a big incentive for teachers and other employees looking for good health insurance coverage.

States often carry some of the lowest premiums available. They often pay more than half of the premium amount, putting more money in their employee’s pocket. Fortunately, most states offer multiple health insurance plans for their employees to choose from.

You can shop around for the coverage that fits your needs rather than being “stuck” with only one plan to pick from.

Unfortunately, state staff member health plans are not immune from the economy’s troubles. Staff Member health plan benefits are facing major cuts in some states because of budget shortfalls due to the housing crisis and rise in fuel prices.

While many states are making some cuts, their health benefits are still among the best available. If you or your spouse thinks you may qualify for state benefits, check with your local state government for additional information on eligibility requirements, premium prices and included benefits.