The Nanny Plan

Sooo you have have a nanny.

You are unsure whether or not you should provide or contribute to some sort of healthcare option for your nanny. Most people will automatically assume that it is going to be too expensive or it is unimportant. However, when you have someone that is consistently around you and your family it's important for that person to be healthy. Providing or contributing to your nanny's healthcare is most likely less expensive and more beneficial than you think.

First, there are many different options to choose from. If you want to give your nanny traditional insurance in the past it would cost you about 300 per month. Not bad, but now with the ACA and steep increases in premiums that is just not possible. Any contribution made toward a healthcare benefit for your employee is considered to be a form of non-taxable compensation. So you catch a little bit of a break on your taxes but this option is still very steep.

What if I told you there was an option that cost somewhere between 49.99-149.99 per month that would allow your nanny to see a doctor as many times as she/he needed? No copays, deductibles, or exclusions due to pre-existing conditions. Well, what I'm describing is the new, more attractive version of the Direct Primary Care Model.

For those of you who don't know, direct primary care focuses on keeping people healthy and reducing further complications. So in theory if direct primary care is used correctly less people would get sick, and the overall cost of care would be lowered. The other cost saving aspect of this model is the lack administrative costs associated with care because it's a monthly subscription.

The third option we can call a hybrid option. This would be when a you purchase a high deductible, low premium plan and pair it with a direct primary care subscription. This is a way for people to save on out-of-pocket expenses or at least put a cap on them.

EVERA. Everyone should feel this good about their healthcare.

P.S.- Evera offers DPC plans