Health Insurance for Nanny
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Health Insurance for Nanny
See also: Advice about Nannies
I am looking for information on health insurance that I could
get for my nanny. If you have either looked into this or are
currently providing a policy for your nanny I would be
interested in knowing what insurance companies you are using,
how much it typically costs and what types of coverage most
people are providing. Thanks.
We have provided health insurance for two nannies. Both Kaiser
and Blue Cross of California have individual plans. My current
30 y.o. nanny has Kaiser for $150/mo, not cheap, but it covers
everything. Blue Cross has multiple plans, some a little
cheaper, and there is more choice in MDs, but for the same price
you have large co-pays. If your nanny is 22 or so, it costs
about 50% less, and 50% more if in her 50's. I got all the
information off their websites, don't have the addys but Google
should find it for you. Benefits are not taxed, so our nannies
have preferred health benefits to a raise- we offered it after 6
months on the job.
We helped our nanny sign up with Kaiser because the price was
comparable to other insurance programs, and it is comprehensive and
very straight forward - no hassles with selecting a primary care
etc: just go. Prices are on their website, specific to age (and
code). It has been a good experience.
I just went through the process of getting health insurance for
my nanny. We researched it and ended up with the Blue Cross
PPO 5000. This provides for a 30% copay on office visits with
no deductible (usually works out to around $25 copay per visit,
which she pays), prescription drug benefit of $10 for generic
and $35 for brand (with the brand subject to a $750
deductible), and a $5000 deductible for major hospitalization.
It also has ''healthy check centers'' where she can go for
mammograms and other well check type events at a reduced rate
(I think around $35 to $50 for most services). The idea for us
was that we wanted to cover her routine illnesses and to cap
her financial exposure if she were to have a major accident or
become seriously ill. If she became seriously ill, she could
come up with the $5K through family or with our help and then
everything would be covered from that point on. The monthly
cost for her age group is $88. Compare this to Kaiser at $275
for all of their services. As an employer, we felt this made
more sense. You can look on Blue Cross website under
individual health plans but I would use an insurance broker
because they are familiar with all of the plans and will be
able to advise you what one is best for your situation. We
used Kay Smith, 650-345-8105, kasmith729 at aol.com. She handled
all of the details and helped me get it set up so the payment
is automatically deducted from my checking every month.
Give Sherri Mello a call at Myers Stevens at 415-543-4040. They
are insurance brokers and can give you lots of information about
different companies. Good luck!
We [2 families sharing a nanny] purchased insurance for
our nanny's family through the Alameda Alliance for Health,
which provides for families who make just a little too much
to qualify for Healthy Families. I think the cut-off for HF is
250% of the Federal poverty Guidelines [currently $37,500
for a family of 3 - info available on the web], and the AAH
covers between that amount and a few thousand more.
They are also on the web. By the way, it's only $50 per
month for her family of 3, and she's says it's a very good
If you do not own a small business then you will need to get your
nanny an individual health plan. I suggest going to kaiser's
website at kp.org. Then goto ''Our health plans'' and click on the
link for ''individual or family'' health plans. These plans are
for full coverage with Kaiser HMO. Rates start around $125
depending on the individual. The Kaiser HMO is really good for
standard health care, check-ups, prescriptions, preventive
health, drug treatment etc. They have a good facility in Oakland
and low copays (perfect for a low income nanny). Basically a
good choice for young people. HMOs are problematic if you need a
particular specialist however most people would never know the
difference between an HMO and a more expensive PPO. Kaiser may
have an ''open enrollemt'' which means you can only join certain
times of the year.
We employ a nanny for our son and would like to set up a decent health
insurance program for her. Would anyone have advice on how to go about
this? Also, what percentage should we pay/ what percentage is fair to
expect our nanny to pay? Does anyone know if some of our costs can be
written off on taxes? Thanks very much for any advice on this!
Kaiser, for just one person, is fairly inexpensive (close to $100 a month)
As a nanny, I would be happy if my employer covered half!
Our 2 nanny-sharing families are also trying to buy health insurance for our
boys' babysitter, and after some considerable research, have discovered that
for her situation, the Alameda Alliance for Health's Family Care plan looks
like the best option. A primary consideration when choosing a plan is the
babysitter's income, and based on that, the options [that we found, at
least] were either Private [too expensive for us], California's Healthy
Families [she and her husband, together, made too much], Kaiser's low-income
plan [it's on their website - called Kaiser Cares or something], or Alameda
County's Family Care program, which suited our babysitter's needs. She has
a husband and a young son, and their combined income is just above the limit
for Healthy Families [200% of the Federal Poverty Level, or about $42,000
for a family of 3] making them ineligible for that, but right for the County
Program. It's $50 per month for the whole family to be covered, and if it's
an individual with no kids, then they also have an option for that, although
I think it's a little more expensive. I'm sorry I don't have the phone
numbers with me, but they all have web-sites and are listed in the books.
We pay for the full health insurance of our nanny in lieu of the
bonuses we would have given her. It costs more than the bonuses
($119.00/month through Kaiser) but we felt that having health
insurance was vitally important. The nanny is employed by my
husband's company which also provides her with a 401k plan. So, in a
way, she gets her bonus after all. Net net, the tax issues work out well
because she is an employee of his company. If you have a small
business, you might consider consulting your CPA about putting the
nanny on the payroll.
this page was last updated: Jun 19, 2009
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