Employer Healthcare Plan Details
What to consider..What to do!
For employers the decision is simple and complex. Do I offer healthcare insurance or not? If I offer healthcare insurance how much will it cost me and my company? Am I willing and able to give my employees a subsidy? And finally, how do I do it?
Most employers only offer a "Group" plan. Why not give your employees more choices? Add a Community Healthcare Plan along with your Group plan. Let your employees decide which plan they want.
This following is a suggested approach to help you with your decisions.
Each Employee has A Different Healthcare Need
First, you need to think of your employees as individuals and families. Each different with different needs and money to spend on healthcare. Your company's healthcare plan must be flexible enough to meet all your employees' needs. Not just a few employees. When you take an objective look at the plan you now have or are considering, how personalized is it? How many employees can afford to purchase it and later use it?
Next, you need to decide how much you can and are willing to subsidize your employee's healthcare plan's cost. How much will your employee have to pay? Is the monthly cost affordable for both of you? Can your employee pay the plan's deductible and out-of-pocket costs?
Find the Right Healthcare Solution
Look at your options. Where can you get the "best bang for the buck"? This is where we come in. If you have not already done so, complete and send to us your Request for Quote (RFQ). This will start the financial analysis and comparison process.
Look at or design your plan's coverages and benefits. What is important to you and your employees. What is really needed and what should be optional? In our opinion, it is more important to keep your employees from having a financial catastrophe as compared to a once a year wellness exam. With HomePort you can have both!
Once, we complete our research we will send you a detailed Implementation Plan. We'll then meet to refine your Healthcare Plan. With your acceptance, we'll start managing your Healthcare Program for you. Then, you can go back to running your business!