What Your Health Benefits Plan Should Include

As an employer and small business owner, it’s important to get the most out of your health benefits plan. As costs continue to rise in the health insurance market, finding the right options at an affordable solution has become cumbersome. And with employees continually placing benefits at the top of their priority list when searching for employment, if you can get a leg up in what you offer – and do it at a cost far less than the average – then you will find yourself at very good odds to acquire and maintain dedicated personnel in your company.

So what would a true health benefits plan that benefits not only you and your company but the employees as well look like?

You Should Have Access to PPO Networks

When you’re limited to a singular network, it can cause tremendous problems for your employees to receive the care when and where they need it. By choosing a plan that includes multiple PPO networks, you’re essentially allowing your staff to keep using the providers they already know and trust.

You Should Get Automatic Savings On Prescription Drugs

The costs for prescription drugs have skyrocketed over the years, so it’s important to provide your team the ability to receive the medications they need at a price they can actually afford. Make sure your plan includes integrated prescription benefits management so that the cost of every prescription drug that comes through the plan has the ability to be discounted. Not only will it help your employees out every time they head to the pharmacy for a refill, but it will assist in lowering your health benefits plan expenses – giving you a better chance for decreased rates when renewal comes around.

You Should Have the Option to Choose a Reference Based Reimbursement Plan

Reference-based reimbursement (RBR) plans help combat the rising costs of healthcare by paying hospitals what is fair and reasonable for their services. While having multiple PPO networks can be a vast benefit, making sure your employees aren’t stuck with unreasonably high medical bills can prove incredibly advantageous as well. And the good news is, they won’t be required to choose a specific doctor, either. Which means they can stay right where they want.

You Should Be Able to Utilize Telemedicine and Eliminate Employee Copays

Telemedicine is growing in popularity as it allows someone to speak with a doctor over the phone, receive a diagnosis, and then get a prescription – all without ever having to pay a copay. It allows for even more cost savings to your health benefits plan, and your employees will appreciate the ease and convenience of not having to leave their house to receive medical care. All they have to pay for is their prescription.

You Should Be Able to Manage Your Health Benefits Plan Anytime, Anywhere

As a business owner, it’s important to know where and how every dollar for your company is being spent. That’s why plan management is so important. When you have access to monitor real-time claims data, it allows you to see exactly how your health benefits plan is being utilized – setting you up for the possibility of reduced rates at renewal rather than hefty increases.

Get Everything Your Health Benefits Plan Should Have in One Place with United Advantage Agency

If you’ve been looking for the right plan that will provide your employees with the coverages they want and need, at a price they can afford and you can benefit from, look no further. United Advantage Agency offers all of these plan benefits and more at rates much lower than the industry average. And with a third-party plan administrator that includes multilingual CSRs, 24/7 access to healthcare claims and plan data, and more, you gain full control back over one of the most important areas of your company.

You don’t have to wait until renewal, either. Get started today and see how much you can save.

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