Open Enrollment. It’s the time period every fall when your employees have added one more thing to their to-do list: planning for their health care needs for the upcoming year — and for any dependents if they have a family. While everyone’s heads may be filled with terms like copays, deductibles and out-of-pocket limits (this quick guide can help), make sure your team members are considering a plan that offers additional perks beyond the standard coverage.
Here are some extra services to be on the lookout for:
Virtual care options
It’s a Saturday morning and your employee feels a sore throat coming on. Her doctor’s office is closed for the weekend, but she doesn’t want to risk a wait at urgent care or a high bill for a simple illness. For times like this, virtual care is a great option. From a phone, tablet or laptop—employees can quickly connect with a board-certified doctor wherever and whenever they need care. Many doctors’ offices and hospital groups now offer virtual care to their patients 24 hours a day, 7 days a week. (Remember: for health emergencies, you should always go to the nearest ER or call 911). Be sure to check with your provider and health plan about virtual care services available to your employees. And with COVID-19 still a serious concern, virtual care can be a great option for your team to get the care they need safely at home.
Price transparency tools
If your employees are interested in saving money each year with a little planning upfront, make sure they’re considering a health plan that includes price transparency. Some insurance companies offer digital tools for members to estimate the price of medical procedures or prescription drugs so they can budget and plan the cost of their care. For example, at Priority Health, members have the ability to research their costs and control out-of-pocket spending with Cost Estimator. This transparency tool shows members what in-network facilities and pharmacies charge for health care services and prescriptions based on each member’s plan. The tool doesn’t just show a range in price — it’s personalized based on each member’s specific plan benefits. Find out if your health plan offers your employees price transparency options so they can take control of their health care costs.
Healthy employees are happier employees — it’s why so many companies offer various wellness benefits. Many health plans are now offering fitness incentives like gym memberships to help promote physical health and wellness. As one example: Priority Health employer group members have access to Active&Fit Direct. This program allows members to sign up for $25-per-month gym memberships. Members can choose from more than 9,000 fitness centers nationwide. Check with your health insurance provider to see what kinds of fitness and wellness benefits are included to keep your employees moving throughout the year.
Coverage for business travel
If your employees hit the road frequently for work travel, this extra benefit may be a must. Many health plans offer added travel assistance to their members. This eliminates the need to purchase additional, and often pricey, medical or travel assistance coverage. At Priority Health, members and their dependents have access to Assist America® at no extra cost. It’s available whenever members are traveling more than 100 miles from home or in another country. Coverage includes:
- Medical emergency services: Access to quality medical care including medical referrals, emergency medical evacuation, prescription assistance and more.
- Travel emergency services: Help with lost luggage or documents, legal and interpreter referrals and care of minor children and pets when experiencing a travel emergency. Plus, pre-trip planning services including visa and immunization requirements, security and natural disaster alerts and more.
Multilingual, trained and emergency-dispatch certified assistance coordinators are available to help 24 hours a day, 365 days a year with one-touch access through the free app. For stays longer than 90 days, like overseas sabbaticals, members can pay an additional fee for the expatriate program service.
Even if extensive business travel is still restricted during COVID-19, your team members may want to consider having this added benefit available for when travel opens back up.
Many insurance companies now include vision benefits at no added cost as part of plans. This could include options like a no-cost eye exam and discounts on glasses or contact lenses from top optical retailers. For example, Priority Health partners with EyeMed. Check with your health insurance provider and inquire about benefits to help your employees save money on seeing clearly.
Additional, customized benefit options
Along with this list of the most common added benefits to a health plan, your employees may be interested in dental benefits, customized wellness programs, on-site care management for chronic conditions like diabetes and more. Priority Health offers many custom options to address each company’s needs for a healthier workforce to help mitigate the rising cost of care while offering more benefits with more services — whatever they may be.
Make sure to encourage your employees to look for added benefits when selecting a new plan during open enrollment to help them take control of their health, wellness and budget. Find out what your health care plan will cover to make sure you’re taking advantage of everything your plan has to offer.
Learn more about Priority Health plans for both large and small businesses, including COVID-19 resources and a helpful e-guide, here.