Have you ever overheard an employee say this? With all of the changes to health insurance, many employees are seeing their doctors not offered by employer plans. As an employer, you want to offer your employees great benefits, but costs are preventing this more and more unless you compromise by switching to plans without great doctor networks.
The solution to this is not simple, but you can avoid this. Insurance companies offer employers a series of plans to offer employees. We suggest you give two categories of choices to your employees which will give them access to doctors with a Health Savings Account or opt in to an HMO or selective doctor network to get better benefits.
HSA Plans
The first type of plan that should be offered is an Health Savings account. These insurance plans are cheap because the insurance company offers few benefits before the deductible has been met, but they allow your employees to save money tax free in a separate account for medical expenses.
By basing your contribution towards the monthly premium on this plan, you offer the employees a practical option to access a large amount of doctors for a low cost. You can learn more about these fantastic plans at HSA Center.com
HMO Plans
HMO plans are a bit restrictive as they require subscribers to visit a primary care physician before obtaining services from any specialists, but the benefits tend to be great. These plans have limited doctor networks, but amazing benefits. You can offer a lower cost plan with great benefits that might be a great fit for employees who are not too attached to any one physician.
Higher cost options
It is also great to give your employees more expensive options. While you contribute the same amount to the employee plan, you can give the employees an option to either choose an HMO with better benefits, or even a PPO plan with many doctors and great benefits.
To Sum It All Up
Your employees need a low cost option with a large doctor network. The HSA gives them the ability to self insure for smaller needs so they are taken care of, but offering HMO's and higher cost options for extra cost allows them to make a real decision when signing up for the company insurance. Make sure your agent gets you these options when you are shopping or renewing this year.
Written By: Johnny Savage
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