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We cover the employees almost 100%, with the exception of a $15 biweekly charge. If they have there family on the plan, then they are expected to either pay out of pocket through the winter for the family portion or they can work it off. For the employees who have been with me for a long time, I will allow them to defer payment for there family until spring when they start working full time again. They all seem to like it and they still have coverage while they are off.
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Matt
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