I received an e-mail from our HR Department the other day informing us that they may change our medical insurance carrier on June 1st. For context, our company has approximately 50 employees and is located in the US, so employer medical insurance is a benefit.
Due to the size of the company, I am able to have the ear of upper management very easily and I would like to discuss this issue with them, but would like to ensure I've addressed all the issues in one go. Ideally, I'd like to ensure that I get a response that addresses each issue in some manner. So far, I've identified the following concerns:
- My current insurance has a deductible of at least $1,000 that I've already met. If the carrier changes, I'm assuming that I'll need to start anew on that deductible.
- I am concerned that I will have to change doctors.
- A mid-year change like this is unprecedented for me. Every other company I've worked for has had their insurance renew at the beginning of the year, presumably to avoid this kind of issue.
Are there other major issues that I should be raising? I am not seeking a list of everything that could happen, just issues that would be universal to all employees impacted by this.
Answers responding to the issues I identified above are not what I am seeking. I am just asking what other major issues are likely to occur due to this change. I am not seeking answers to those issues, I am trying to have a conversation with management on the issue.