Page 43 - Delaware Medical Journal - September/October 2018
P. 43
MSDIS CORNER
are the best plans for our employees?” and more about “What plan is closest to our current plan?”
Don’t assume that none of your employees would like an HMO plan, just because you currently have PPO plans. Find out if your partners paying for their own premiums want higher-deductible options. Determine if your employees are looking for plans that can lower their taxable income. Even if your practice can afford a Silver level plan, don’t overlook employees who may be willing to contribute more premium to secure a Gold plan.
STEP 3:
Don’t Forget to Explain the Plans
The last step is the most often forgotten step. The practice needs to help the employees relate to the value in the different plans. There are many different ways to accomplish this:
• Utilize online enrollment portals. Many group health insurance companies provide such a portal to help employees review, compare, and select the best plan for their family.
• Open enrollment meetings are a great way to address your staff directly, but make sure there is a way for the employee to take the enrollment meeting home. Recording the meeting is a great example.
• Provide examples of employees who could be best suited to each plan. For example, if the employee needs an unexpected surgery, copays, etc.) of each plan?
Employees are always overwhelmed with the Annual Enrollment for Employee all employees all of the time. However, it’s not impossible to explain how each plan is different and why your practice selected
feel free to use the car analogy. Help your employees understand who needs the Chevy Spark, who should upgrade to the Lexus and everything in between.
CONTRIBUTING AUTHOR
■ AARON MITCHELL is not a car dealer, but MSDIS’s lead employee benefits marketing representative, coordinating all lines of insurance. His team can be contacted with questions on this article or any insurance topic. Contact Aaron at (302) 397-0170 or aaron.mitchell@usi.com.
Medical Society of Delaware Insurance Services (MSDIS) is a wholly owned insurance brokerage subsidiary of the Medical Society of Delaware and powered by USI Insurance Services.
MSDIS was formed by Delaware physicians for Delaware physicians. We serve all insurance needs for your practices, your families, and your friends.
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Saturday, November 17, 2018
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