After working with many, many employers and employees, I know that it’s possible to avoid group health insurance plan confusion. I’ve encountered many employees who were upset or had issues with their plans. I have found that their upsets very often have a lot to do with not understanding exactly what their plan does for them.
I can help these employees understand the pieces of that puzzle so they know what to expect as the year progresses. Maybe their health is going to get better or it’s going to get worse. They need to know what the provisions of their group health insurance plan are, including all these points:
- Deductible
- Co-insurance
- Copays
- Out-of-pocket maximum
Most of the time as we go through life, we don’t think about those terms or the provisions of our group health plan until something happens. Then when something happens, we start getting inundated with all these different things. “Your deductibles…” “You owe this…” “It’s a copay…” “You pay a hundred percent of this.”
For that reason, employees get frustrated. They don’t understand what they are getting inundated by and why. They may turn to the group administrator or the HR person. As great a resource as HR or the group administrator is for employees and for the group, explaining all these provisions is not what they do every single day.
The Benefits of Having a Professional Set Up Group Health Insurance
When setting up group health insurance, employee engagement is very important. I can write a plan and I can get it put in place and it can save money for an employer. It can help with employee retention. It can make the employee experience better in terms of the overall benefit package. But if the employee is having a problem with it and doesn’t understand the plan or is upset, then the plan isn’t doing its job. I can help by reducing this confusion. I can help people understand the nuts and bolts of their policy when they’re having to deal with it on a day-to-day basis.
Even when you get your benefits explained clearly, that answer might not be what you want to hear. At least getting the right answer can make dealing with your group health plan a much better experience. You’re not going to be as frustrated because at least you know what you’re dealing with. We may even be able to determine that care needs to be coded differently or that there’s a better way to search for a provider.
For Greatest Satisfaction, Get an Insurance Consultant on Your Side Today
The key to greater employee and employer satisfaction is having an insurance consultant who is on your side. An insurance consultant is a person who helps both employers and employees understand the ins and outs of their group health plan. If you need this kind of service for yourself or your company, call MBhealth at (314) 544-5400.
