Three Ways to Help Employees Find the Right Benefits
by Corey Poulosky on Apr 24, 2017
Shopping for an item in the store can be frustrating if you don’t know exactly what you’re looking for and where to find it. The experience can be even more challenging if you can’t find someone to help you. Many employees feel the same way when selecting health care benefits plans. The wording and coverage options can be confusing.
Here are three ways to help employees find the right health benefits.
1. Take a family health inventory to better pick the right benefits
Employees should make a list of the expected health needs for the upcoming benefits year, such as:
- Medical Procedures and tests
- Prescription medications
- Dental services, including orthodontia, crowns and implants
- Vision exams, prescription contacts or eyeglasses
- Hearing test and aids
2. Evaluate benefits choices and costs
Most people spend 30 minutes or less reviewing their benefits options. They often are unfamiliar with the insurance language and coverage choices. Information can be simplified by using these tips:
- Use boxes, charts and illustrations to help navigate through the decision process.
- Highlight insurance premiums, copays and out-of-pocket costs. These are important figures to be considered when evaluating benefits that fit into budgets.
- Break down finances into understandable examples, such as daily or weekly costs.
- Review benefits plans to ensure current providers are listed. If not, members will need to switch providers or be willing to pay extra for out-of-network care.
3. Consider ancillary plans while looking at benefits
Dental, vision and hearing benefits help employees and their dependents head off health problems. Many serious medical problems can be detected during regular exams, which may help lower health expenses during the year. If these benefits are included in medical insurance plans, make sure employees understand that only preventive services may be covered until the deductible is reached. Since employees and family members tend to use dental and vision benefits frequently throughout the year, stand-alone coverage may be a better choice.
This article was originally posted on the Ameritas website.