What most influenced your decision about offering healthcare benefits to your employees?
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We have offered the best plan we could afford since hiring our first employee in 2004. We believe it is the right thing to do, but we don't feel we should be regulated into doing so. We are a small business and currently offer a platinum plan to our employees. I would imagine that nowadays that may help us hire and retain talent to some extent. We believe people should be able to actually use the coverage we provide and afford to get care when needed which is why we offer such a high metal plan. It has no deductible, limited out of pocket costs, reasonable prescription prices, the best dental coverage one can obtain and everything else one needs these days.
5 Replies
Dr James Tinsley
from Lighthouse Direct Primary Care
Consider offering a high deductible plan with a Direct Primary Care Physician. You will give your employees quality care with a personal physician and save your company money. Consumer Reports listed Direct Primary Care one of the top 5 ways to save money in 2019.
Bill Schlack
from Cereset Fair Oaks
Dr. we seem to be going the direction of one size fits all and beyond saving money, time and availability are critical issues for working people. It is good to see alternatives being suggested.
David Block
from Insurance Specialties, Inc.
DPC is an up and coming vehicle for groups. It is mainly an option for larger groups as they can afford to purchase more from a given DPC provider. That said, If there is a DPC near your place of business, and the price is within reason, I could agree with HDHP approach. The difference is the Rx coverage changes. However, if you also go with a lower deductible, 100% plan (yes, they do exist), the maximum out of pocket can be greatly reduced. Just a few thoughts...
David Block
from Insurance Specialties, Inc.
I apologize for my use of "lingo" ... DPC stands for Direct Primary Care and HDHP is a High Deductible Health Plan. Of course, Rx references prescription drugs.
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