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St. Benefits Agency's Expertise in Extended Health Care for Businesses
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What does health insurance potentially cover?
At St. Benefits, our mission is to find the perfect insurance coverage for your company, one that truly understands and addresses your unique needs. Our comprehensive approach ensures that your employees are well taken care of, encompassing everything from vital medical services, including hospital stays and emergency services, to the finer details like prescription drugs, dental care, and vision care. Some of the coverage includes:Â
- Medical Services
- Prescription Drugs
- Dental Care
- Vision Care
- Mental Health Services
- Wellness and Preventive Care
- Hospital Stays
- Emergency Services
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Frequently Asked Questions
1.What is group health insurance, and why should my company offer it?
Group health insurance is a policy provided by employers to cover their employees' medical expenses. Offering it can attract and retain talent, improve employee satisfaction, and potentially lower individual premium costs.
2.What types of group health insurance plans are available?
Group health plans can vary widely. Common types include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and High Deductible Health Plans (HDHPs), among others.
3.How much does group health insurance cost?
The cost depends on factors like the size of your company, location, coverage options, and employee contributions. Employers often share the cost with employees.
4.What benefits should I include in our company's health insurance plan?
The benefits you choose should align with your employees' needs and your budget. Common benefits include medical, dental, vision, prescription drug coverage, and mental health services.
5.What is open enrollment, and how does it work?
Open enrollment is the period when employees can enroll in or make changes to their health insurance plans. It typically occurs annually, and employees can select plans based on their needs.
6.How does compliance with healthcare laws, like the Affordable Care Act (ACA), affect my company?
Compliance with healthcare laws is essential. ACA compliance includes providing essential benefits, offering coverage to eligible employees, and filing required forms and reports.
7.Can we offer different insurance options to different employee groups?
Yes, some companies offer different plans to different employee groups based on factors like job roles or full-time vs. part-time status.
8.What is COBRA, and how does it impact our company's health insurance?
COBRA (Consolidated Omnibus Budget Reconciliation Act) allows employees to continue their health insurance coverage after leaving a job, usually at their own expense. Employers must provide certain notifications and options under COBRA.
9.How do we handle employee terminations and their health insurance coverage?
When an employee leaves, you must follow the rules outlined in your plan documents and COBRA regulations regarding the continuation of coverage or termination.
10.What support does our company need during the claims process?
Insurance providers typically offer assistance during the claims process. Employees can often contact the insurer directly, but HR departments may also provide guidance.