3 ms·

How about if you’re a seed stage startup?

• ghaff 6y ago
  It's a cost you probably need to have or you're going to have trouble hiring people.
  • kmonsen 6y ago
    I thought I answered this, but you are right. All the startups I have talked to, even seed startups, have decent medical. There is a fundamental difference though. The startups actually use insurance so you have to deal with the insurance company, while Google/Amazon/others self insure and just use the network etc. So if you have Google insurance you call a specific Google number and they will help you. At least that have been my experience.
    • ghaff 6y ago
      Many companies that self-insure still contract with an outside administrator that is usually a department/subsidiary of an insurance company. In my experience, there's no material difference. You still have covered procedures, tiers of insurance, etc. I've admittedly never worked for one of the big West Coast companies so perhaps their insurance is more gold-plated than the norm, e.g. I still pay out for my insurance even though my employer does as well.
      • kmonsen 6y ago
        You are probably right, I just know the administrator for the google and Amazon insurance were always super helpful and even though I have had some massive claims I never had to fight with the insurance company. Like I said many times I believe in any decent paying job in the U.S. healthcare is taken care of. I still pay a portion of my paycheck for insurance too, and the amount varies depending on which insurance you want. I think the highest I have seen is still less than $500/month for whole family coverage.