Group Health Insurance FAQ’s
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Do YOU have access to virtually all insurance and administrative markets for Group Health insurance through your current broker?
The marketplace for Group Health insurance is changing every day as the stakeholders continue to posture in this dynamic environment. Being proactive in the selection of your Group Health plan is critical to weathering the economic impact healthcare has on your company.
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Does YOUR Group Health insurance have dual access plan options for both a TRADITIONAL and HSA?
Most traditional insurance programs offer a network of preferred providers (PPO) offering discounts for their services as being a part of a network. A Health Savings Account (HSA) plan option allows individual employees to select higher deductibles at a lower cost thereby shifting more of their healthcare decisions-making responsibility to them. They have some “skin in the game” which will make them a better healthcare consumer.
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Have YOU ever considered a partially self-funded Group Health insurance plan?
Depending on the number of employees on your Group Health insurance plan, partial self-funding is becoming a more viable option as insurance premium continue to escalate.
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Have YOU evaluated the impact a comprehensive health management program could have on your Group Health insurance?
Employers face the ongoing challenge of protecting their greatest asset; their employees. By taking a long-term approach to reduce healthcare costs through a proven program that improves and maintains the health of employees, the employer can proactively address this challenge.
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Are YOU self-administering your COBRA compliance program subjecting YOU to fines and litigation?
Outsourcing compliance to a qualified third-party vendor contractually transfers YOUR liability to the vendor by making them responsible for managing the deadlines, documentation and communication that the law requires.
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Does YOUR Group Health insurance program offer you periodic claims reviews?
A proactive approach to managing the future costs of your Group Insurance is to periodically evaluate your claims and demographic information to benchmark the performance of your plan.
Does YOUR Group Health program give you the option of electronic employee enrollment?
Electronic enrollment enables your employees to provide annual health information and benefit elections required by the plan in an online paperless environment.
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Does YOUR Group Health insurance carrier offer you a customized employee benefits web site for your employees?
This is an online portal created exclusively for you to provide your employees access to all their employee benefits.
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Does YOUR current Group Health insurance broker provide you with a real value statement?
A real value statement can provide your employees with important information regarding their TOTAL compensation including the benefits provided by YOU.
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Does YOUR current Group Health insurance broker advocate for your employees?
Claims, coverage and billing problems become issues that employees look to their employer to solve. The broker becomes a key advocate in helping employees overcome these problems without the involvement of the employer.
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[title]Does YOUR current Group Health insurance broker any HR resources?[/title]
[expand]In today’s changing world of employee benefits, how do you keep current with the various regulations that impact your programs?
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Long Term Care Insurance
Does YOUR Long Term Care insurance carrier give you the option of either Employer Paid or Voluntary?
In these difficult economic times, an insurance company that provides an option of either Employer Paid or Voluntary is important to providing this benefit without compromising the finances of the company.
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