There are many important factors to consider when choosing a health insurance plan, including benefits, costs and size of the physician network. When your company is in the process of comparing and selecting the health insurance plan that best meets the needs of your company and employees, there are key factors that many human resources and health benefits staff may overlook. Here are some information and tips that make managing your health benefits easier while improving satisfaction of your employees and their families with the peace of mind knowing you made the right choice for the better health of your workforce.
- Their Process is Streamlined & Reports Arrive Whenever You Need Them
A simple, streamlined process can make all the difference when it comes to managing your company’s health insurance needs quickly, efficiently and effortlessly. Is your experience with your health insurance plan, easy, quick and effortless? When it comes to informational reports—like utilization, premiums and claims data—does your health plan provide these on a continuous basis and immediately upon request?
- They Use Technology to Your Advantage
Online portals offer considerable advantages. They make it easier for you to access coverage information, add or remove members or dependents, pay bills, file claims, find answers to most of your plan management questions, and do just about anything else online (including print member cards). Mobile apps also lessen HR workloads by allowing members to show their membership information from their smartphone or tablet for most visits with physicians, hospitals, outpatient and urgent care centers, meaning no member card is needed.
- Their Plans Are Easy to Implement
Once you’ve signed on with your health plan, is it easy to get your whole team enrolled? Rather than leave you to figure it out on your own, top insurers send enrollment teams to make the transition simple, knowing, they’ll be on hand to answer questions as they arise. This is important for ensuring seamless service, and for equipping your employees to make the most of its coverage.
- They Are Very Fast and Responsive
Issues related to health and health benefits are often time sensitive, so you want to make sure your health insurance company is easy to reach whenever you need it. For bigger issues, you want an insurance company you can trust to follow-up until the issue is resolved, ensuring your staff doesn’t waste valuable time and energy chasing loose ends.
- Their Physician Network is Large and Covers all Islands of Hawai’i
One of the most important aspects of a health plan for employees is the ability to choose their own doctor—whether it’s a family physician, internist, OB/GYN or a surgeon or specialist that best meets their needs. Does your health plan offer a large, wide range of primary care physicians and specialists located near where they live and/or work and ones that your employees and their family members prefer?
- They Are Transparent
It’s equally important to choose a health insurance plan that makes it easy to know who you should contact for different types of needs or concerns, and who provides the information you need and how best to reach them. A toll-free number is great for general inquiries, but for an ongoing relationship, a direct contact can save a lot of time. It’s also much easier to deal with the same people every time, rather than having to initiate a new relationship every time you have a question.
One of the best ways to learn more about the resources offered by different health-insurance companies is to read testimonials from long-time customers and to ask trusted peers to share their experiences. Getting a sense about the different resources available can help your HR team and company leadership make the best investment for your team’s health and productivity.
For more information on choosing a health plan, contact Kim Soares at (808) 232-5701 or email Kim at firstname.lastname@example.org.