Most Florida businesses know that retaining good employees means providing a good Orlando health insurance plan. Because premiums, deductibles, co-payments, and coinsurance levels can vary from plan to plan, it pays to shop around. Understanding coverages when comparing plans and rates will help in determining which is the best one available. Plans with higher deductibles, co-payments, and employee share of coinsurance generally will have lower premiums.
But keep in mind that employees will also have to pay more out of pocket when they access services or benefits, and this may not sit well with some individuals. These days, stretching employee health care benefits can save a company a lot of money, but this is at the cost of employers trimming benefits. It really is a delicate balancing act, trying to find a good health insurance program at an affordable price. But that simply means taking the time necessary to see all the available options.
Many employers are providing preventive care services
Cost-conscious employers are gladly launching more free preventive care services, including nutritional counseling, gym memberships and medical advocates, in the hopes of reducing medical expenses. As reported on the website, Bankrate, many employers are even giving out awards for using preventive care,” says Trent Bryson, CEO of Bryson Financial Group based in Long Beach, Calif. “So, employees can get cash rewards or perk points for getting regular check-ups.”
These are the type of incentives that can lead to a healthier workforce, and if people are staying healthier then there is less need for doctors’ visits, or extensive medical care, which should be a relief to employers and employees alike. That is certainly one way to maximize employee health care benefits.
Employers must not assume that plans remain much the same from year to year, since this is often not the case. Treatment deductibles may be higher in many cases, which is why it is so important to read the contract carefully to be certain of understanding just what the benefits being offered are.
Because employers really benefit from a healthy, happy staff, they may be willing to reward employees for staying fit and trim. This may come in the form of smoking cessation programs, gym membership discounts, weight loss programs, personal health coaching and even classes in nutrition or healthy living.
With so many incentives to stay healthy, it should serve both the employer and his or her valuable staff as a good solution to the cost of health care, and when someone does become ill they have their Orlando health insurance plan to provide the necessary services.