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Old 04-20-2017, 10:12 PM   #1
brshooter
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Default Telecommuting out of state and health insurance issues

We are moving to the Boise area and I will be telecommuting my current job from there. Challenge i am trying to figure out is health insurance. Our organization (a nonprofit) uses Providence for our health insurance. Providence does not cover Idaho. I checked with a couple of Idaho insurance agencies and they will not sell to an Oregon entity. I was told that with all the ACA compliance issues, I cannot simply buy an individual plan and have the company reimburse me for it. I found something about a "Defined Contribution Health Plan" and wondered if anyone knew anything about that. I wouldn't think I have to reinvent the wheel on this as telecommuting is becoming more and more popular. Any comments and suggestions form other telecommuters or health insurance experts?

Thanks in advance.

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Old 04-20-2017, 10:39 PM   #2
Gunner
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Default Re: Telecommuting out of state and health insurance issues

Have your employer give you a salary increase to cover the cost of a comparable policy you pay for yourself from Idaho.

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Old 04-20-2017, 11:02 PM   #3
brshooter
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Default Re: Telecommuting out of state and health insurance issues

Not quite that easy from what I understand due to ACA requirements for employers. Maybe I am missing something. It would also increase the tax burden for myself as well as increase payroll taxes for the organization. It's a nonprofit. We beg for a living.
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Old 04-21-2017, 06:02 AM   #4
jimh
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Default Re: Telecommuting out of state and health insurance issues

I don't have a option for you other than to keep your fingers crossed and hope they make the change to allow insurance companies to sell across state lines. I'm assuming the other part of your "we" doesn't work, or you can't be added to their insurance.
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Old 04-22-2017, 07:29 AM   #5
Shot Sequence
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Default Re: Telecommuting out of state and health insurance issues

Your employer could pay you as a subcontractor rather than a w-2'd employee. Then you could negotiate the increase in compensation to match what you're going to get soaked for by the health insurance company. If you haven't been self-employed before it's far more complicated than that but then so is your current situation.
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Old 04-22-2017, 11:33 AM   #6
Joe Schwab
 
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Default Re: Telecommuting out of state and health insurance issues

Is MODA available? We had to switch from Providence when we moved and wish I had MODA long ago. There is no problem going to any Doctor you want. MODA does nor require a referrral like Providence did. This alone has saved me several times. MODA Is accepted everywhere from what I understand now.
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Old 04-23-2017, 06:43 PM   #7
SHJunky
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Default Re: Telecommuting out of state and health insurance issues

Quote:
Originally Posted by brshooter View Post
We are moving to the Boise area and I will be telecommuting my current job from there. Challenge i am trying to figure out is health insurance. Our organization (a nonprofit) uses Providence for our health insurance. Providence does not cover Idaho. I checked with a couple of Idaho insurance agencies and they will not sell to an Oregon entity. I was told that with all the ACA compliance issues, I cannot simply buy an individual plan and have the company reimburse me for it. I found something about a "Defined Contribution Health Plan" and wondered if anyone knew anything about that. I wouldn't think I have to reinvent the wheel on this as telecommuting is becoming more and more popular. Any comments and suggestions form other telecommuters or health insurance experts?

Thanks in advance.


Who told you that Providence won't cover Idaho? That's not true. The particular plan your employer has chosen to offer may not cover Idaho but Providence has plans that do. You may have the "Connect" plan that has a smaller network based in Portland. Providence PPO networks are multi-state and they contract with a national PPO network. Hopefully your employer offers a plan option with access to that.

This shouldn't really be that complicated to fix if your employer is willing to work with you a little.

Do not have your employer give you money in lieu because you and your employer will both suffer on taxes.

Your employers broker should be able to help you with this situation.

Enjoy Idaho.
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Old 04-24-2017, 11:27 AM   #8
brshooter
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Default Re: Telecommuting out of state and health insurance issues

Issue Solved. I called Providence and our plan cover the national network for employees working out of state. Our broker said he is proof that you can still teach old dogs new tricks. He has confirmed all of this now with my employer.

Thanks for the info.

Bill

Quote:
Originally Posted by SHJunky View Post
Who told you that Providence won't cover Idaho? That's not true. The particular plan your employer has chosen to offer may not cover Idaho but Providence has plans that do. You may have the "Connect" plan that has a smaller network based in Portland. Providence PPO networks are multi-state and they contract with a national PPO network. Hopefully your employer offers a plan option with access to that.

This shouldn't really be that complicated to fix if your employer is willing to work with you a little.

Do not have your employer give you money in lieu because you and your employer will both suffer on taxes.

Your employers broker should be able to help you with this situation.

Enjoy Idaho.
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