In a hot market, job seekers are looking for competitive pay and a solid benefits package. Are your benefits up to date? Or perhaps you don’t offer benefits to your staff? Either way, I can help. Benefits are essential in today’s job market for keeping good employees and attracting top candidates. And it costs you $0 to offer - unless you prefer to fund part or all of the expense. It’s totally up to you. Let’s schedule time to meet and discuss a benefits program that best fits your needs.
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Deductible & Coinsurance
In addition to your monthly premium, your deductible is the amount of money you have to pay out-of-pocket for covered medical expenses before your insurance company starts helping with costs. The amount the insurance company pays after you meet the deductible will depend on your coinsurance percentage.
Let’s say you purchase a health plan with a $3,000 deductible and 20% coinsurance. You receive two procedures during the year you have the plan, one that costs $1,000 and another that costs $2,500. You would have to pay the full $1,000 for the first procedure plus $2,000 toward the second procedure. After that, you would only have to pay $100 (20%) of the remaining $500. Your insurance company would pay for the rest. In the event you need additional health services later in the year, you would continue to pay 20% of the costs.
The deductible, therefore, does not represent the maximum amount you have to pay before an insurer pays for everything. It represents the total amount you must pay before the insurance company helps you pay for a percentage of your care. If you’re looking for the maximum amount of money you will ever pay for care in a given year, that’s when you should pay attention to your plan’s …
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Health care reform and increasing health care costs continue to drive demand for voluntary benefits options – and for good reason. Voluntary (also known as supplemental) insurance has long served as a way to help protect employees when they’re sick or injured – regardless of their major medical insurance coverage. But now, more than ever, these benefits help provide employees with a financial safety net for unexpected medical expenses. Employees enrolled in voluntary insurance are also more satisfied with their jobs and more secure in their financial well-being. As health care costs continue to rise, these plans play an important role in an employer’s comprehensive benefits package and strategy to attract and retain employees.
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