Group Health Benefits Quick Check-Up

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Group Health Benefits Quick Check-Up

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Group Health Benefits Quick Check-Up

Ask yourself these 3 quick questions to determine whether your existing group health benefits are on track with your business needs.

1. Has the number of employees changed?

Tip: As small-medium businesses grow, their health coverage compliance obligations and potential tax advantages often change dramatically. Work with a company like SMB, who understands the ins and outs of the Affordable Care Act and other labor laws.

2. How well does your current plan meet your needs and priorities?

Tip: Understand the needs and priorities of your business to make an informed decision about whether your group health coverage still fits. Ask your employees what’s most important to them when it comes to group health benefits.  Consider whether your current plan provides the things that employees value at a price you and they can afford.

3. How much are we paying – is it too much?

Tip: It’s a good idea to revisit your group health benefits at least once a year and request fresh quotes from a licensed agent like SMB. You may be paying for benefits you don’t use – and you may be able to lower your monthly premium with a plan that excludes those benefits. Or, your employees may feel they are paying too much out of pocket for recurring medical expenses – and you might consider a plan that covers these at a higher level.