Employees Remaining on Health Insurance Plans despite Layoffs

Due to COVID-19, many dealers were forced to reduce hours or lay off employees. Some dealers inquired about keeping employees, who’s work hours were impacted by the pandemic, on their insurance plans. However, many carriers have policies on the amount of hours an employee needs to work to qualify.

The GNYADA Insurance Brokerage has contacted several insurance carriers asking if they would allow dealers to keep employees on their health insurance plans despite not meeting the hourly requirements.

Below are their responses:

Empire Blue Cross Blue Shield – Yes, until 5/31/20 as long as the plan sponsor continues to pay the premium. Coverage must be maintained on a uniform, non-discriminatory basis to all laid off or furloughed employees.

Healthfirst – They have no official policy however; they did note they will not be actively policing groups regarding temporarily layoffs or furloughs.

Oscar – Carrier has not released guidance

Oxford/UHC - Yes, until 5/31/20 as long as the plan sponsor continues to pay the premium. Coverage must be maintained on a uniform, non-discriminatory basis to all laid off or furloughed employees.

Aetna - Yes, until 5/31/20 as long as the plan sponsor continues to pay the premium. Coverage must be maintained on a uniform, non-discriminatory basis to all laid off or furloughed employees.

Amerihealth - Yes, until 6/30/20 as long as the plan sponsor continues to pay the premium. Coverage must be maintained on a uniform, non-discriminatory basis to all laid off or furloughed employees.

Cigna - Yes, until 5/31/20 as long as the plan sponsor continues to pay the premium. Coverage must be maintained on a uniform, non-discriminatory basis to all laid off or furloughed employees.

EmblemHealth - Yes, until 5/31/20 as long as the plan sponsor continues to pay the premium. Coverage must be maintained on a uniform, non-discriminatory basis to all laid off or furloughed employees.