For small business owners, supplying group wellness insurance coverage rewards aids retain higher excellent staff and guarantees improved production with preventive health-related care for a healthier workforce. With BCBSF group insurance coverage plans, there are a lot of possibilities for Florida employers to select the quantity of premiums they cover, and a wide network of health-related providers.
In 2007 alone, Florida small business owners added 200,000 new members enrolled in BCBSF industrial wellness insurance coverage plans. According to the South Florida Enterprise Journal, ” This three.1 % raise brought the total staff insured to almost 9 million Florida persons in industrial wellness plans, like each insurance coverage provider-underwritten and these self-insured.” The greatest raise came from the Blue Solutions PPO wellness program enrollees. This well known wellness program has greater deductibles for staff and reduced month-to-month premiums, therefore providing inexpensive payment possibilities to each employers and staff.
In addition to the top rated development for industrial wellness plans, staff have rated BCBSF wellness coverage plans with the “Highest Member Satisfaction Amongst Industrial Well being Plans in the South,” according to the J.D. Energy and Associates 2007 National Well being Insurance coverage Strategy Satisfaction Study(SM). Florida employers can select numerous payment possibilities from paying the complete premium of the employee to sharing a particular percentage of the annual insurance coverage charges.
The well known BlueOptions PPO (Preferred provider organizations), meets the diverse wants of the workforce by supplying diverse rewards and premiums possibilities, like Well being Savings Account (HSA) compatible plans. To assist handle wellness insurance coverage charges, the wellness savings accounts let the employers and staff to reduce charges with payments to a pre-tax savings account that pays for routine and preventive health-related therapy. The HSA plans are typically combined with greater deductibles to preserve charges of month-to-month payments down.
One more well known group insurance coverage program is the BlueChoice PPO that provides your staff the option of excellent medical doctors and hospitals inside the BlueChoice network with no needed referrals. BCBSF also provides dental, disability, life, and lengthy-term care insurance coverage policies. In addition, there are a assortment of monetary applications for groups that place the employer in handle of wellness care charges and may well give tax benefits, like Versatile Spending Accounts (FSA) and Well being Reimbursement Accounts (HRA).
One more industrial wellness program option is the BlueCare HMO, presented by Well being Solutions, Inc. This group program provides staff a complete variety of rewards like preventive care and fixed copayments. Usually, HMOs (Well being upkeep organizations), need staff to select a principal care doctor from the authorized BCBSF provider network. As a result the month-to-month premiums can be reduced for each the employer and the employee, although nonetheless obtaining extensive healthcare coverage for health-related wants.
For these employers with a lot of inquiries, take into consideration contacting your neighborhood BCBSF licensed insurance coverage agency to understand all about every single group policy and the possibilities offered to employers for industrial wellness insurance coverage plans. These plans can also contain vision and dental insurance coverage to cover the total health-related wants of the employee.