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美国12+ months 的工作,w2, 猎头不提供benefit, 如何自己买医疗保险?大家在美国的工作都是固定长期而且公司提供benefit的吗?知道meisuowei就不是这种情况,能指点一下吗?

本文发表在 rolia.net 枫下论坛Role: IBM InfoSphere Streams Consultant
Location: Atlanta, GA or Austin, TX
Duration: 12 + Months with high possibility of extension

Job description:
We look for people who are comfortable in a global, multi-cultural environment and regard change as positive aspect of their job. Join an innovative team in providing the premier Big Data solution for analyzing large volumes data in motion -- IBM InfoSphere Streams. Streams developers work on many different technologies including developer tools for Eclipse, management and monitoring tools, analytic operators for applications, language and compiler, and a large-scale, high performance distributed runtime. This role requires a resource with deep technical design and development expertise with experience in the InfoSphere Streams space. This person should have hands on development experience in C++, SPL and SPSS Models(optional).
Experience in analyzing text, documents, social media or speech and deriving insights and business value from non-structured non-relational data.更多精彩文章及讨论,请光临枫下论坛 rolia.net
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Replies, comments and Discussions:

  • 枫下茶话 / 美国话题 / 美国12+ months 的工作,w2, 猎头不提供benefit, 如何自己买医疗保险?大家在美国的工作都是固定长期而且公司提供benefit的吗?知道meisuowei就不是这种情况,能指点一下吗?
    本文发表在 rolia.net 枫下论坛Role: IBM InfoSphere Streams Consultant
    Location: Atlanta, GA or Austin, TX
    Duration: 12 + Months with high possibility of extension

    Job description:
    We look for people who are comfortable in a global, multi-cultural environment and regard change as positive aspect of their job. Join an innovative team in providing the premier Big Data solution for analyzing large volumes data in motion -- IBM InfoSphere Streams. Streams developers work on many different technologies including developer tools for Eclipse, management and monitoring tools, analytic operators for applications, language and compiler, and a large-scale, high performance distributed runtime. This role requires a resource with deep technical design and development expertise with experience in the InfoSphere Streams space. This person should have hands on development experience in C++, SPL and SPSS Models(optional).
    Experience in analyzing text, documents, social media or speech and deriving insights and business value from non-structured non-relational data.更多精彩文章及讨论,请光临枫下论坛 rolia.net
    • 到!谁给发 W2?
      我是随我老公的 MEDICAL INSURANCE。他的是 SMALL BUSINESS PLAN。
      自己找保险,是不容易的一件事,PREMIUM 很高不说,还得很多 PRE-EXISTING 的 SCREEN。

      最好的办法是跟 EMPLOYER 的走,哪怕是自己掏钱。

      既然有 W2,你就是 EMPLOYEE 了。既然是 EMPLOYEE,问问有没有 MEDICAL COVERAGE。如果有,单单不给你,好像有悖 EQUAL EMPLOYMENT。你得问 HR。
      • 猎头公司给发w2, 主要是扣税, 虽然我在他们的payroll as hourly exmployee, 但medicare, dental, 401k, vacation, relocation, etc, 都没有,好像我碰到的全是这样的。不过他们pay per diem on top of hourly rate.
        问过大大小小七八间insurance company, 都不提供personal medical insurance, 只有group. 能说一下small business plan 是怎么work的吗? 需要填w8 or w9 表给government, 还是只要和保险公司大交道?
        • MEDICAL INSURANCE 都是 B2B 的,对个人的极少。就算有,也是很 TRICKY 的。很多年前流行 STAFFING COMPANY 有 GROUP POLICY,就是好多 COMPANY 用一个 POLICY,现在也淘汰了。如果没有,你能不能用 CANADIAN 的呢?要不就看看 OBAMA CARE。
          • 很贵, obama care, silver plan, 9千多 premium ,4口人。
            • Annual?
              • yeah, 每年, and out of pocket cost max. $11,000 a year.
                • BC/BS?
        • SMALL BUSINESS 是相对 LARGE CORPORATION 说的。都是 EMPLOYER GROMUP POLICY。你没有 EMPLOYMENT,当然是加不上了。
          • small business 是自己的?
            • 自己买,价格不便宜。
        • 有个折中的办法
          1. 算是 SELF INSURE,有大病,就会 CANADA。中间有个问题,就和 ONTARIO HEALTH 需要你是 RESIDENT 才能 COVER。怎么在美国工作,又有 ONTARIO HEALTH ... 你自己想。
          2. 跟 W2 ISSUER 要大概每月 $500 的 MEDICAL REIMBURSEMENT。算是福利的一部分。
          3. 真正的 SELF INSURE,自己小心些。
          • 谢tip #2, negotiate 时候不知道这个,净拿搬家费说事了。
            • Never too late to ask. You never know. Try.
            • 拿到了吗 ?
              • 没来的急往那个方向发展,counter offer 让事情有了转机。Suwanee是个好区。
    • obama care
      • 是,正在做research and shop around.
        • 有人给我推荐Humana,9000多不贵,你这不能跟加拿大比 你还要买牙医,life insure, 怎么也要一万多,rate还是要往高里要,1.2-1.3×Full time rate,
          • 能不能说加国公司福利十oHip=$2万
          • Check Wellpoint. That is the nation's largest health insurer. Maybe they have better rates due to Economies of Scale.
            • O8CARE是不是只能去贫民医院看病
              • 加拿大没操心过买保险,最近转做contract要自己买,o8 care是不是只能公民和绿卡才能买,这个所谓的医疗保险market实在是搞脑子
                • 看美国论坛说什么人都可以买, 非法移民都可以买, 全世界的人都可以买