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Employer Benefits
If you are currently offering
health insurance to your employees you understand that insurance costs
are high and getting higher. Health care reform has brought uncertainty
to 2011. Insurance carriers are feverishly trying to adjust to the
news business rules. Assessing the best health plan model for your
business is now more complex and needs to be ever more flexible.
We have listed a few
tips that all employers should be implementing. See below:
2013 Health Plan Employer
Benefit Tips
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If a low-deductible
PPO plan is offered, move to the style high-deductible PPO plan.
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If your
company implement the HSA plan program, it is time to consider moving
back to a traditional plan model.
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If your
company has medical and dental both from your medical insurance carrier,
consider splitting the coverage to give you flexibility to change
medical carriers annually if necessary.
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Starting
in 2010 Small Employer tax credit -Great opportunity for companies
with 25 or less employees. Be sure schedule a meeting with your CPA.
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Regardless
of who your insurance carrier is, customer service will be reduced
in 2011 due to the minimum loss ratio directive. Encourage employees
to rely on the insurance carrier websites for information.
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CA residents only
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