Do waitresses get health insurance coverage from the restaurant they work for?

UPDATED: Jan 16, 2012

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UPDATED: Jan 16, 2012Fact Checked

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Asked January 16, 2012

1 Answer

There is no definitive yes or no answer to whether or not a waitress will be offered health insurance through the workplace. Some restaurants, particularly high-end establishments, offer access to health insurance, but even those that do may not pay a portion of the premiums the way other types of employers will do. That means that you can purchase the insurance through the job, and even receive group discounts, but you will be responsible for paying the full premium amount.

A majority of restaurants do not offer access to health insurance at all, even plans that you pay the full premiums on. The good news here is that federal health insurance laws are changing, and by 2014 any employer, even restaurants that have more than 20 employees will be required to offer access to health insurance. Many places have already complied with the new laws, but there is no way to know whether yours is one of them without checking with the human resource department or, as is more likely, simply asking the store manager.

If you do not have health insurance through your employer, you be eligible for coverage through an organization such as AAA or AARP if you are old enough to be a member of that group. In that case, you will have to pay the full premium cost, but will be able to purchase the coverage at group rates which are substantially lower than buying individual coverage.

If nothing else is available, you can either purchase private health insurance, or check to see if you are eligible for Medicaid. The eligibility for Medicaid will depend on whether you are under 26 and still live at home, and what your income level is. Medicaid is generally only available to those with low incomes, but there are additional qualifying circumstances, especially if you are a single mother.

Answered January 16, 2012 by Anonymous

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