Does McDonald’s Offer Health Insurance to Its Employees?

To maintain your overall health and well-being in the United States, health insurance is a must. Most US residents obtain coverage through their employer, as it is usually more economical than purchasing a policy through their state’s Individual Marketplace. Fortunately, many American organizations do offer health insurance policies as a benefit for their employees.

If you’re working at McDonald’s or are planning on seeking employment at McDonald’s, you might be wondering if you will be eligible for employer-sponsored healthcare coverage. To find out if the fast food giant offers health insurance and what type of stipulations there may be, please continue reading.

McDonald’s Employer-Sponsored Healthcare Plans

McDonald’s, one of the largest fast food chains in the United States – does provide health insurance options to their employees. It’s important to note, however, that there are stipulations regarding coverage; for example, policies, availability, and what is covered does differ from state to state. Furthermore, some McDonald’s restaurants are franchises, meaning that they aren’t corporate-owned. As such, the benefits packages that are offered by a franchised store and how the benefits can be obtained can vary from restaurant to restaurant.

Eligibility for McDonald’s Employer-Sponsored Healthcare Benefits

Generally, in order for McDonald’s employees to be eligible for health insurance coverage, they must be working for the company for a period of 90 days. Moreover, in order to be eligible, working a certain amount of hours may be a requirement in order to obtain coverage. For example, the benefits that are available for full-time employees (people who work 40 or more hours a week) will be different than the benefits that are available for part-time employees (individuals who work less than 40 hours a week). Additionally, your role as an employee of McDonald’s can also impact your eligibility and the benefits that you can receive. For instance, managers may be offered benefits, while counter workers, cooks, and janitorial staff may not be eligible for benefits.

In order to find out the specific details regarding the insurance coverage that the McDonald’s you are employed by offers, the best advice is to speak to your manager. Your employer will be able to tell you what type of options are available for you, and any stipulations that may affect eligibility.

Insurance Options Available Through McDonald’s

Again, it’s important to note that the insurance coverage that is available to you depends on the McDonald’s that you work for, including where your store is located and whether or not your store is a part of a franchise or corporate-owned. With that said, if the restaurant you are employed by is corporate-owned, the following health insurance benefits may be available to you:

• Medical coverage. Corporate-owned McDonald’s stores offer three different PPO medical policies, all of which are available through Blue Cross Blue Shield. There are different benefit levels available for these plans, and they will cover more of the costs that are associated with in-network providers than those that are associated with out-of-network providers. In other words, if you want your policy to cover the maximum amount, you will have to see a healthcare provider that works within your network. The plans cover a portion of the costs that are associated with preventative healthcare, such as physical exams and immunizations.
• Vision. Corporate-owned McDonald’s restaurants may also offer coverage for vision. This includes coverage for eye exams and corrective lenses. There may also be discounts available for laser eye surgery.
• Dental. Typically, corporate McDonald’s restaurants also offer dental coverage. Generally, with this coverage, employees are permitted to receive dental care from the dentist of their choice, and a large variety of services are covered, such as check-ups and sealants. A large portion of corrective and surgical care may also be covered; fillings, for examples. And, orthodontia may also be covered.

Summing It Up

If you are a current employee of McDonald’s or you are soon to become an employee of this fast food chain, and you are wondering about the type of health insurance options that are available to you, speak to your superior. Typically, coverage is available; however, the stipulations regarding eligibility for benefits may vary from location to location.