Are Your Healthcare Benefits Baffling Your Employees? (1) - PowerPoint PPT Presentation

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Are Your Healthcare Benefits Baffling Your Employees? (1)

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While healthcare for most individuals isn’t usually straightforward, health benefits for employees are notoriously complex, often leaving the recipient unable to understand the level of care they’re entitled to, what the coverage includes and where to find the appropriate provider, let alone able to navigate the insurance claims process. – PowerPoint PPT presentation

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Title: Are Your Healthcare Benefits Baffling Your Employees? (1)


1
Are Your Healthcare Benefits Baffling Your
Employees?
2
  • While healthcare for most individuals isnt
    usually straightforward, health benefits for
    employees are notoriously complex, often leaving
    the recipient unable to understand the level of
    care theyre entitled to, what the coverage
    includes and where to find the appropriate
    provider, let alone able to navigate the
    insurance claims process.

3
  • In studies conducted in recent years, an
    overwhelming majority of employees polled stated
    that they faced numerous challenges when
    receiving healthcare, and that the challenges
    were made even more of an issue due to complex
    benefits. Such confusion doesnt just mean that
    employees in need of healthcare arent able to
    access the services they need, meaning their
    conditions could worsen which is bad enough in
    its own right but that they may even go on to
    develop other mental or physical conditions as a
    result of the stress that their healthcare
    benefits are causing them.

4
  • The problem may be worse for those employees with
    chronic conditions
  • For individuals suffering from chronic conditions
    that require ongoing treatment and support, the
    issues mentioned above are often compounded, with
    many employees unable to make sense of diagnoses
    or test results.
  • A couple of other challenges complex healthcare
    benefits may pose for employees are detailed
    below, and note that both of them have the
    potential to have a negative impact on their
    employers, too, albeit through no fault of the
    employees own

5
  • A decline in mental and physical wellbeing
  • An employee facing challenges with healthcare,
    faces the possibility of a decline in either
    their mental or physical wellbeing, or in some
    cases, both. Add this to the illness, injury or
    condition that theyre originally seeking
    healthcare for, and theres little wonder so many
    employees take sick leave, leaving both them and
    their employers, in a difficult position.
  • Work time spent dealing with healthcare
    challenges
  • Many employees report having to spend work time
    on the phone dealing with healthcare providers or
    insurers, and when you add this up over many
    months and many employees, there is bound to be a
    decrease in productivity.

6
  • Its clear that theres a very real need for
    greater healthcare literacy and education
    relating to the system as a whole, and that
    employers must take a certain degree of
    responsibility for this.
  • So, what can employers do to help reduce the
    confusion?
  • While many employers do take the time to try and
    tailor their health benefits to meet the needs of
    their employees, their efforts may be wasted if
    the benefits those employees are entitled to
    simply arent being taken advantage of due to a
    lack of understanding or general confusion
    surrounding the system.

7
  • One effective way of reducing the confusion
    surrounding employee healthcare benefits, is to
    have HR meet with individuals to discuss their
    packages in detail giving them the opportunity
    to ask any questions they might have. Benefits
    guides written in plain English and without
    baffling jargon, can also be helpful, along with
    digestible videos, posters and group
    presentations.
  • Working with an outsourced healthcare benefits
    provider is another way to ensure that your
    employees get access to the very best care for
    their needs, and once youve found the right
    package, you may even be able to use that very
    same provider to help educate your employees as
    to exactly what their healthcare benefits are,
    and how they can access them.

8
  • Apollo Payroll is dedicated to delivering expert
    advice, responsive service, and highly accurate
    payroll processing and reporting to ensure the
    success and growth of the business that we serve.
    Our services include comprehensive payroll
    services in Homestead and other cities in
    Miami-Dade County, employee background check and
    group health insurance in Miami Coral Gables
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