Franklin Said:

What health insurance plans cover toenail fungus medication and nail removal surgery?

We Answered:

most insurance will cover the costs you mention if the doctor thinks it is medically necessary.

Maureen Said:

Do you think that dental work should be covered by regular health insurance plans?

We Answered:

Dental Insurance policies are separate from Health Insurance. Most policies will allow you to buy a rider including dental, but even still the policies rarely cover 100% of everything you need done or they have a low maximum.
It would make life so much easier if dental was included on the health insurance, but for some reason teeth and eye are considered separate.
I have worked with policies that are supose to cover dental if the dental procedures are a direct cause of an accident and still they require the sun, moon and the stars before they will pay and they only give an alotted time for all the work to be completed.
If you have ever visited a nursing home you can see just how important teeth are for those who are frail and need to take in nourishment, it can come down to a life and death issue, what a shame.

Dennis Said:

How come part-time employees don't qualify for employer's group health insurance plans?

We Answered:

Its up to the employer whether or not part-time employees can be eligible under the benefit plan.

Many employers do choose to offer insurance to part-time employees, but the part-time employee is often charged a higher premium than a full time employee. Employers generally pay a large portion of the total premium - what gets taken out of your check is only part of the cost. Obviously the employer isn't going to pay as much out of their pocket for a person who only contributes part-time vs. a person who works full-time.

My employer does offer benefits to part-time employees working at least 20 hours a week. However, the payroll deduction for a part time employee is nearly double what a full-time employee pays. (Which I guess makes sense, since they are only getting half as many hours out of the part time people as the full timers.)

Examples of other employers that offer health insurance to part time employees are...Starbucks, UPS, Kaplan Test Prep. Other Yahoo users might be able to tell you a few more.