Health insurance has drastically changed over the years. From the plans employers are offering to what is covered and how much is different. From how dependents are treated to how prescriptions and alternative medicine is covered are all variables.
As the following article shows, a survey shows many companies to offer skimpy health insurance plans in the coming year, and this isn’t the best tactic.
In the survey, it’s shown that these skimpy plans will cost us all more in the long run. But remember, a skimpy plan is better than no plan at all.
You can only do the best you can do as an employer. Try not to skimp to save too much, though, because you may end up losing good employees.
Why is it so important to offer health plans?
When you are looking to hire the best employees, you’ve got to offer something to make them want to come. Often, even if your salary offers are great, that’s not enough.
Good employees could even end up leaving after a time once they realize how much they are paying out of pocket without health insurance.
It is important to remember:
- Health insurance is a gesture of loyalty – By offering some sort of health insurance, you show your employees that they mean something to you. You want to help them take care of themselves. Remember, most companies offer insurance only to full time employees, so it’s not really as necessary to offer to flex workers (depending on hours), freelance help or part time employees. But make sure you cover those full time workers, they’ll appreciate it, and it may be what entices them stay or forces them to leave.
- Studies show that those with health insurance are healthier and more productive than those without -They will seek medical attention sooner, which will help keep them healthy. Healthy employees are more productive. With health insurance, prescription medicine is more affordable, even with a copay so illness can be treated faster. Also, health insurance inspires us to go to well check appointments and have standard tests like mammograms and cholesterol screenings, helping to find anything before big issues arise or while things are still treatable. Without health insurance, a lot can be missed until it’s too late.
Your employees reflect your business in many ways. The healthier they are, the healthier your business is.
Productivity goes up, morale goes up, and attendance goes up. No one wants to work in an unhealthy environment. So it’s up to you to provide some sort of healthcare.
It may not be what it was 20 years ago, but remember some sort of health insurance benefits prove better than none at all.
Your business (and your employees) will thank you.
About the Author: Heather Legg is an independent writer who covers topics such as health issues, social media and small business. You can find her at twitter @writeygirl.