Pros
The healthcare is not as good as other companies when you just look at the deductibles and percent you have to pay but when you figure in the fact that it is FREE and you get at least $1,000/year that rolls over in your HRA then it works out to be much better than any other plan I have been a part of. After 3 years your children are free on the plan as well. This could save you upwards of $300/month compared to what you pay with other employers. So the deductible may be a little high and your only option is an 80/20 plan but in the long run it is better. Not to mention you get free access to workout classes and an onsite gym to keep you healthy. The company size limits what kind of plans we can get for a god price so they are doing the best they can to make up for it with the HRA and free coverage. Look at the big picture and you are better off. You may pay a bit more when you need it but you pay ALOT less every month. 401K match is only 3% but you do get ESOP each year as a part of your profit sharing> Employees at HCSS are well above average in terms of retirement account balances for our age.
Cons
The insurance provider is a pain to deal with they never seem to get anything right the first time it is billed. their tracking of disbursements in poor at best. They do not provide a way to pay providers from the HRA yourself which has caused all kinds of issues with tracking and monitoring who gets paid combine that with the poor record keeping and its a mess to straighten out bills when multiple providers are involved. But I have never had a good experience with any insurance company there's is just slightly worse that the majority. I with it was slight better though. 40k match is only 3% Compensation seems low up front but benefits and raises help
