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Insurance agents present voluntary supplemental policies; commissioners take offer under advisement
Summary
Agents from a voluntary supplemental-insurance provider explained cancer, accident and ICU policies available to county employees and requested permission to present to staff; commissioners agreed to consider the proposal and research potential interactions with existing insurance plans.
Representatives from a supplemental-insurance firm presented voluntary individual policies to Marshall County commissioners on Aug. 4 and asked permission to meet with county employees to offer products covering cancer, heart attack/stroke, accident and ICU events.
Patty Enfield, PM director, and Rebecca Taylor, an independent agent representing the carrier, described how supplemental policies pay cash benefits directly to employees to help cover out-of-pocket and indirect costs when a serious medical event occurs. The agents said the policies are individually owned and paid by employees and that their firm already works with nearby counties and local public-safety departments.
Commissioners asked whether supplemental payments would affect county catastrophic plans or otherwise alter primary insurer behavior. A commissioner said the county should research whether an employee’s receipt of a supplemental payment affects the county’s catastrophic coverage, and staff said they had discussed that topic with the county’s insurance broker. Commissioners voted to take the proposal under advisement and asked county HR and legal staff to research interactions with existing benefits and payroll processes before allowing on-site employee presentations.
No county endorsement or payroll-based enrollment was approved; the agents said their staff collects premiums directly from employees and pays benefits directly to policyholders.
