I have been hearing about companies that have two different health plans based on service. A new hire goes into one plan for the first year and on their anniversary they move into a more generous medical plan. Do any of you have clients or does your plan work this way? I was wondering what the pros/cons are for this type of plan structure?

Also, do you have any clients that have employees on a generous (aka media called "cadillac plan") but have dependents on a less generous plan? Is that even possible to have dependents on a plan with a higher deductible. If so, what would be the pros/cons?

Thank you

I like this type of creative thinking and I think we are going to see this more and more. Not sure if there would be a discrimination issue, but you can set up different coverages for different classes. I do not know of any employer that is providing a "cadillac" plan to any of it's employees.