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Featured Nanny Job

Position:Executive Assistant
Location:New York, NY
Salary:Manhattan Business man seeks an experienced, professional and mature Executive Assistant to work primarily with the Estate Manager. Client lives extremely busy and this is an opportunity for an experienced EA to work in an office environment.
Benefits:Paid Vacation; Paid Holidays; Paid Sick Days; Medical Insurance; Dental Insurance; Retirement Plan
Click here to learn more.

Nannies: Health Options
GTM Health Options for Household Employees

Health Insurance Plans for the Household Employment Industry

Health benefits are becoming a necessity for household employers to offer their employees. In a recent survey of 836 nannies nationwide, 54 percent wanted health insurance, while only 37 percent reported receiving it.

Why Offer Benefits?

  • Because life is unpredictable
    1. Even if your employee is healthy and young, they can be caught off guard by an unexpected illness or injury.
  • Because medical care is expensive
    1. The financial risk your employees take without health insurance also puts you at risk if they are suddenly unavailable to work and cannot afford the necessary medical attention to recover quickly. A typical hospital stay can cost over $20,000, including physician charges, follow-up care, and hospital charges.
  • Because health coverage helps protect employees financially.
    1. Medical care can quickly add up to a staggering financial loss. Coverage limits out-of-pocket costs, protects their assets and safeguards their future earnings. If they are financially secure and know you've help them remain so, you are more likely to retain a good employee.
  • Because it covers more than just injury and illness
    1. It’s not just the emergencies that insurance covers—it’s also the preventative healthcare needed to safeguard against future health problems. By helping with health insurance, you as a household employer are assisting in eliminating surprise illnesses, and the time-off that results.
  • Because health coverage can be affordable
    1. If you help out as the employer — there are low, monthly premiums available for single employees working in the household employment industry.

GTM has partnered with eHealthInsurance Services, Inc. a leading source of health insurance for individuals and families. They are licensed in all 50 states and the District of Columbia, eHealthInsurance has developed partnerships with more than 150 health insurance companies, offering more than 5,000 health insurance products online.

The company is able to communicate electronically with insurance carrier partners, which enables a simpler, more streamlined health insurance application process in real time. An important thing to keep in mind is that Health insurance premiums are filed with and regulated by your state's Department of Insurance. Whether you buy from eHealthInsurance, your local agent, or directly from the health insurance company, you'll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan through eHealthInsurance and rest assured that you're getting the best available price.

eHealthInsurance offers online live assistance to help you answer any questions you are concerned with or feel free to call them directly 800-977-8860.

The current products available are:

  • Health Insurance
  • Short-term Health Insurance
  • Student Health Insurance
  • Health Savings Accounts
  • Dental Insurance
  • Term Life Insurance
  • Dental Discount Cards

Click here to get a free instant online quote and even purchase your policy today!

Health Options To Suit Any Budget
Save Money With HRAs & FSAs From GTM

What is an HRA?
Health Reimbursement Arrangements (HRAs) are a creative option for household employers with a range of budgets who want to offer a contribution program for health-related expenses as an employee benefit.

GTM is offering household employers a revolutionary way to help provide healthcare benefits to your employee.

HRAs really are the best news in healthcare benefits and in the household employment industry for many years - whether you use an HRA as a standalone option or combine it with a major medical insurance plan.

HRAs are flexible, convenient, and cost-effective, offering:

  • Freedom of choice to help control healthcare costs for your employee
  • Freedom of control making your employee accountable for the management of their medical treatments
  • Convenient roll-over feature so you don't lose your contributions at the end of the year, or when an employee leaves
  • Flexible budget options - contribution amounts that you determine
  • Versatile - an HRA can be used alongside other savings accounts and health options and can be used to fund insurance premiums and deductibles
  • Popular with the employee - HRAs use employer contributions not employee salary deductions

HRAs allow employees and employers to take advantage of the lower premiums offered by high-deductible major medical plans and help keep healthcare costs under control. The employee becomes more self-reliant, aware of healthcare issues, and develops better judgment with health-related costs and arrangements. The employer offers a useable, affordable employment benefit to their employee that helps recruit and retain the best employees, but doesn't break the bank.

The HRA is a win-win for all involved

What's involved:

Employer contribution

  • Define an amount per year you want to contribute for your employee(s)
  • Set up a GTM HRA account. Your contribution is automatically drawn into a GTM account for your employee on a payperiod basis
  • Inform your employee of the contribution amount and how they can use the money
  • Check quarterly GTM statements to keep track of the account

Employee tasks

  • Read and understand the HRA account plans and what medical expenses are eligible for reimbursement
  • Keep a receipt and record of medical expenses for you and your dependents
  • Send in claims for reimbursement promptly
  • Access the HRA account online to manage expenses

If you are interested in health options listed above, please contact 1-888-432-7972 or complete this form and fax it back to us at 518-836-2555.