Health Insurance and Domestic Service Employees

What makes a house a home? A home includes objects that we have collected over time. On a deeper level, a house includes the objects that have meaning to us, such as a family portrait. Domestic service workers, who also help to make a house a home, deserve to have health insurance.

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Health Insurance for Domestice Service Employees

As a domestic service worker, such as a nanny, day care worker, and housekeeper, you daily face occupational hazards that can affect their health. These include a lack of sleep, heavy lifting, and kneeling to wash floors. In addition, as a domestic worker are you are often exposed to dangerous components, including hot and cold water; products for household cleansing (i.e. solvents); allergens (i.e. house plants, dust, antiseptics, and detergents); tainted water and food; kitchen surroundings; and communicable diseases.

Daily contact with these components can cause a variety of health conditions for you, as a domestic service worker. These include exhaustion, spinal and back pain, and respiratory difficulties.

Special Health Care Needs for Domestic Service Employees

Therefore, it is ironic that labor laws typically do not protect you as well as other laborers. Employers should thus consider granting health care coverage for their domestic workers. Issues to consider when picking a plan include:

• Extra services: Consider whether extra services such as home health care and chiropractic care, are offered.
• Conditions that pre-existed: Learn whether or not a health-care provider will includes these conditions.
• The doctor: This includes their availability, location, and which physicians can be selected from.
• Exclusions: Learn which conditions are covered or not covered.
• Coverage of prescription drugs: Consider if as a domestic worker, you will use, or may later need, prescription drugs.
• Hospital and emergency care: Domestic workers can experience medical concerns ranging from mild to severe. Learn how “emergency” is defined, and which hospitals and emergency rooms a plan covers.
• Costs: Learn about deductibles, limits, co-payments, and how much the plan will cover for various medical services you need.
• Specialists: As a domestic worker, you can acquire several different health problems.
• Periodic health screenings and check-ups: These are usually yearly, but sometimes are not included in plans.

Domestic service workers help to make a house a home. So you deserve to have the health insurance coverage that homeowners would provide their own family members.

Request a health insurance quote today!

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