One of the best perks an employer can offer his or her employees is benefits and one of the best benefits is group health and dental. It’s a valuable benefit that employees appreciate! So what type of coverage can you provide?
There are many different health care plans available. Choosing the right one for your company and your employees can be a bit overwhelming. That’s why it’s so important to take the time to understand what coverage is available and what packages offer the best value for your money.
Group health covers a variety of services. It will cover costs for doctors, specialists, hospital care, private bed, tests, and any other direct health care costs that you incur as a result of treating an illness, injury, or disease.
You can also obtain vision care coverage which covers the cost of your eye examination, and any special testing that must be done. It will also cover either a percentage or the full cost up to a maximum dollar value for glasses or contact lenses.
Physiotherapists, massage therapists, occupational therapists, chiropractors, naturopaths, podiatrists, speech specialists, dieticians, acupuncturists, and a host of other professional medical services are also usually covered by the plan. Of course you’ll need to read what each plan offers.
The cost of an ambulance, including an air ambulance is covered by health insurance. And should you be admitted to hospital if you request a private or semi-private room the cost will be covered.
The services of a private duty nurse will be covered by your policy if you require care immediately upon discharge. The nurse must be a RN.
Your coverage also includes payment of medical supplies such as wheel chairs, oxygen, prosthesis, crutches, casts, hearing aids, blood pressure monitors, or any other medical equipment required in the treatment of an illness or injury.
Of course prescription drugs are also part of the coverage. Plans cover anywhere fro 80% to 100% of the drug costs. Some restrictions may apply relating to coverage on some drugs.
Dental coverage is also important to employees, especially those with children. Dental plans also vary from basic to full coverage.
A basic dental plan generally always covers preventative and diagnostic services as well as basic maintenance and repair work. The more elaborate plans cover restoration, dentistry, oral surgery, peritonitis, and complex restorative dentistry.
Occasionally a plan may cover orthodontist and other very specialized services. Deductibles for dental coverage vary as much as the dental plans do, so you’ll need to do some research.
If you want to keep your employees happy and have the stick around for awhile then be sure to offer them group health and dental benefits. It’s a win win all the way around!