Dental Coverage
Dental coverage helps your employees plan and budget for dental care costs. From teeth cleanings to dental implants, a thorough dental insurance plan ensures your employees’ mouths are taken care of. Dental coverage is often separate from medical insurance, although you can opt for benefit packages that include both. The premium covers medical and dental coverage if the health plan includes dental.
Adult dental coverage is not required under the Affordable Care Act. However, offering a medical plan with embedded dental coverage or a stand-alone dental plan could attract more new hires. Because most small and large employers offer dental insurance programs, this benefit is essential to give your business a competitive edge.
Vision Coverage
Vision coverage provides your employees with affordable access to eye care. Whether it’s routine eye exams, prescription eyewear, or even vision correction surgery, optometric care is a valued benefit for employees. Depending on your group insurance policy, vision coverage can be embedded in your healthcare plan. In this case, your monthly premium would cover your health and vision insurance. However, vision coverage can be offered as a stand-alone plan as well.
Like dental coverage, the Affordable Care Act does not regulate adult vision insurance. However, it is deemed an essential health benefit for children. If any of your employees are parents with children under 18, you should search for health plans that include vision care or offer your employees stand-alone vision insurance.
Mental Health Coverage
Mental health should always be prioritized in the workplace, as stress is at an all-time high among U.S. workers. The Affordable Care Act deems mental and behavioral services as essential health benefits. These services include psychotherapy, counseling, cognitive or behavioral health inpatient services, and substance abuse treatments.
Employers should factor mental health coverage into their search for group health insurance. However, there are alternatives they can offer to mitigate employees’ stress. Employee Assistance Programs can be included in large benefits packages to help employees with personal problems that may affect their job performance. EAPs can be included in an insurance bundle or be administered by a business’ professional employer organization.
Prescription Drug Coverage
Offering prescription drug coverage is an effective way to maintain a healthy and happy workforce. However, though they are essential, prescription drugs can be expensive. Many group health insurance plans cover a portion of medication costs, depending on the type of drugs you may need. As an employer, you should provide your staff with a list of drugs covered in your group plan, especially so those with chronic conditions can view their available options. Employees may also favor group plans with tiered pricing, allowing them to use a co-pay when purchasing specific prescriptions.
Wellness Programs
Wellness programs are designed to improve and promote health and fitness in the workplace. You can offer your team premium discounts, cash rewards, gym memberships, and other incentives to participate in your company’s overall health and wellness through these programs. Wellness programs can target several healthy initiatives, such as weight loss programs, preventative health screenings, or general health education. Insurance providers can offer wellness programs directly to their enrollees, so consider this health incentive when choosing a plan.
MonsterQuoter simplifies the search for group health insurance. When you use our tools to shop for your small business medical coverage, you’ll find the best benefits in just minutes! If you’re ready to start investing in your team’s health and happiness, connect with our team to start shopping for quotes today!
