Tuesday, December 8, 2009

When looking for a job, consider the benefits!

Post by David Held

As everyone knows the economy is poor and companies are not hiring, but this is bound to turn around. Economies are cyclical and you have to be ready for the time when hiring becomes a new “fad.” When most people are looking for a job they tend to just look at the salary and the capability of bonuses at the end of the year. It is extremely to remember to look into the types of benefits that you can receive during your employment. One benefit that should be at the top of this list, especially if you have a family is health insurance. Getting health insurance through your employer can potentially save you a tremendous amount of money, and during a time like this saving money is crucial!

Types of health insurance that an employer might provide could be HMO, PPO, and POS. A Health Maintenance Organization is a managed care plan that attempts to lower health care coverage by encouraging preventative care measures. A Preferred Provider Organization is a group of doctors who cut deals with insurance companies to produce services at a reduced rate. A Point of Service plan is similar to a PPO but it allows you to use doctors who aren’t part of the plan, if necessary. All three types of coverage are great benefits, if provided to employees. It is important to carry health insurance because you never know when an emergency can unfold.

Sources #1, #2, #3


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