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Health insurance is a major benefit provided by many businesses. But as premiums have increased over the past several years, often by double digits, many companies have had to make the difficult decision to either reduce the level of coverage or increase the employee participation amounts to pay those increased premiums. Additionally, the secondary costs of health care – deductibles and coinsurance – can be as high as 6,800. These costs can create a serious challenge for employees.
Supplemental health policies provide the insured with the additional help they need to pay those deductible and coinsurance costs, by providing first dollar coverage for things such as hospitalizations and accidents. In some cases, companies provide access to these policies either through payroll deduction or by combining them with the health benefits they provide.
A Latorre Insurance benefit specialist can help you understand how these policies can benefit your employees. Give us a call today or simply fill out the form, and we’ll get back to you soon.
Latorre Insurance is here to help you take care of your employees.