ADP & Lifemart brings up an important discussion topic for employees - healthcare. What we know, what we do not, and what we think we know.
For example, we were surprised to learn that medical costs reported to insurance and billed by insurance are not set in stone - wait what?! These rates are negotiable? For those business professionals managing a chronic illness often out of pocket costs can be large, expensive, stressful, overwhelming , and a financial burden. Not saying that all the costs will be covered as this is up to your insurance and state regulations- however, important to note that these rates are negotiable. Still overwhelmed? ADP payroll platform & hr merger suggests to hire a Health Advocate PHA to negotiate the costs and terms. So important for those battling autoimmune and chronic illness as many of these costs are not paid by insurance (billed as elective and out of pocket) while also pushing up our insurance premium rates because those with chronic health issues under the age of 56 are seen as high risk customers (age bias anyone?).
