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Originally Posted by Pat Johnston
Insurance companies don't make these decisions--policy owners do. So it is the employer who offers an insurance plan, for example, who determines what services they are willing to pay for from a "menu" that the insurance company offers.
BUT increasing numbers of employers DO offer adoption assistance grants (there's lots of ammunition available to help you lobby for one from your employer). And the federal government offers tax breaks for adopters, but not for those who give birth.
Pat Johnston
Infertility and Adoption Educator, amom to three  |
But you are missing the point that unless the plan is self-insured (the employer pays all the claims), the provider sets the price for those services. And it works more like a Chinese take out menu -- the employer chooses services from column A and B. But the amount of premiums the employer pays is based on the services it chooses to provide its employees. So, for example, if an employer opts to pay for something like fertility treatments, the premiums for both the employer and all the employees go up.
Can you tell I wrote employee benefits materials for a living? LOL.
A better option is encouraging employers to provide adoption benefits.
Robin