Page 42 - Delaware Medical Journal - September/October 2018
P. 42
You Wouldn’t Buy Everyone in Your Practice the Same Car.
Why Buy Them the Same Insurance?
Aaron Mitchell
There’s a reason why J.D. Power &
Associates gives awards to cars
and trucks by category. It would
be unfair todirectly compare a Nissan Quest to a Lexus LS or a Chevrolet
Spark. They all serve different market segments. If I lived in Philadelphia and wanted something easy to parallel park with good gas mileage, then the Lexus LS and Nissan Quest would be poor choices. kids, then the Chevy and the Lexus are not the car for me. Your employees share a similar trait to that person looking to needs that are unique to his or her family. Here’s our roadmap to making sure each
STEP 1:
Consider the Needs of Your Staff
The major point behind drawing this parallel is to raise the question, “Are the protecting the varying needs of our staff and physicians?” Many practices rely on the simplicity of one or two plans because it’s easiest to explain. However, is it likely that the following all have similar insurance needs?
• A healthy new receptionist
• A 45-year-old nurse with a family
• A 60-year-old physician expecting knee surgery
You might assume that your staff will want to keep a “Gold” level health plan, regardless of how much comes out of their
paycheck. What about those employees who never see their doctor for a sick
visit? Given the choice, would they take
the “Silver” level plan if it meant fewer deductions from their paycheck? Surveying their needs and the needs of their families.
STEP 2:
Create a Benefits Package with Solutions to Meet those Different Needs
We often ask practices that we meet with, “Why do you offer that plan?” It’s not a there are features of that plan that most employees value. Many practices have simply done their best to keep their plans unchanged for more than a decade. The discussion becomes less about “What
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Del Med J | September/October 2018 | Vol. 90 | No. 7
