As your small business starts, renews, or benefits health changes 
offers communication, employee is essential to your health receives a success. After all, employees who understand, use and enjoy their benefits are more likely to stay healthy and keep your business in the long term.
So what are the main issues on employees health benefits? Here are ten popular questions we receive from employees, as well as communication tips for your management team.
1. Who selects my health insurance plan - me or my employer
Gone are the days when most employers offer only one insurance plan. Now it is common for employers to offer employees a "menu" of health insurance plans or to go a step further and allow employees to choose a policy on individual markets.
As an employee, it is important to understand who will be selecting the health insurance scheme - you or your employer - and if so, whose policies are available to choose
Communication Tip :. to help employees understand how their health benefits are structured, make sure that employees know that selects the health plan. If employees have a choice of plans, provide resources to help employees understand the coverage options.
2. How is my contributing employer, and how much?
With most health benefits to both the employer and the employee contribute. For example, if the employer offers a health insurance policy, employees generally pay part of the premium each paycheck. With an advantage of reimbursement, employees buy their own insurance and are reimbursed by the employer on their paycheck
Communication Tip :. Clearly communicate to employees how the company contributes to health benefits, and How. If offering a refund benefit, that employees understand how to request a refund and the types of expenses eligible for reimbursement.
3. When am I eligible to register?
As a new hire or newly eligible employee, it is important to understand the timing of your benefits. For example, many companies have periods or other eligibility requirements, you must meet before you are eligible for enrollment on hold. If there is a time gap before eligibility, consider if you need a cover between
Communication Tip :. To help employees plan for coverage, contact the eligibility criteria and waiting periods when commencing at the time of promotion, and every year.
4. What are my monthly costs for the cover?
With most health benefit programs, employees are required to contribute. Understanding your monthly costs and how, if necessary, you will pay for your contribution
Communication Tip :. help employees understand their costs out-of-pocket monthly, as well as the tax benefits available for eligible contributions before taxes.
5. What are my costs when I receive care or a prescription filled?
When comparing the different coverage options, it is helpful to calculate your out-pocket costs for health care or prescriptions under different regimes. By working through different scenarios and estimate your medical for the year, you can estimate your annual costs under a plan
Communication Tip :. To help employees understand their costs, provide spreadsheets or online tools.
6. Is My Doctor Current In-network?
Whether you have a chronic illness or simply a favorite family doctor, keeping your doctor or your current provider can be extremely important. If this is the case, search of suppliers for different policy network
Communication Tip: .. to help employees keep their current suppliers, provide a list of suppliers or an online database
7. Do I need Dental, Vision, or other coverage?
In addition to major medical health insurance, would have other benefits such as dental, vision, or ancillary policies be a wise choice? Understand whether your employer offers additional fonts or reimburse additional coverage
Communication Tip :. provide employees spreadsheets, tools or a health insurance counselor for help to walk through the additional coverage options.
8. What is the difference between an HRA, HRP, HSA and FSA?
More and more companies are adopting consumer-oriented benefits for account-based health, it is common for employers to offer health reimbursement arrangements (HRA), Health repayment plans ( HRPS), health savings accounts (HSA), and / or flexible spending accounts (FSA). All these health plans offer account-based free tax refund (or payment) for qualified medical expenses, but they all work differently. For an easy to read table, see: HRA HSA vs vs vs HRP FSA Comparison Chart
Communication Tip :. If your company provides an HRA, HRP, HSA or FSA, communicate clearly how the plan works, in terms of benefits, and how to use the plan.
9. What is the process for filing a claim, call or refund?
Some plans require employees to submit proof of payment or coverage before reimbursement, while other plans allow a supplier to submit an application directly on your behalf. Before access to care, make sure you understand your requirements for the cover
Communication Tip: .. Provide employees a cheat sheet on how to file a claim, a call or refund
10. What happens if I leave the company?
Finally, in the workforce becoming more mobile today, it is common to change jobs every few years. So what happens to your benefits when you change work? If you purchased coverage on your own, and the program benefits from your employer reimburses you the coverage you will be able to keep the coverage when you change jobs. If you buy coverage provided by the employer, however, you will most likely lose coverage when you change jobs
Communication Tip :. During the orientation and during exit interviews, make sure that employees understand that continuous coverage when they leave the company
Conclusion
Start the renewal or amendment of health benefits is an exciting time -. but it also comes with questions. Use these ten questions as a starting point to educate employees about the health benefits that you offer, and remember -. For better success, communicate early and often
Which employee questions about the health benefits you receive? What should we add to the list? Leave your questions below.
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