If you’re in Human Resources, a big part of your job is helping the employees of the company with their benefits. In many organizations large and small, a component of benefits includes medical insurance and other related benefits. But for the average person, knowing which medical benefits option is going to be best for their family can be a challenge. This is where you come in. So to help you advocate for the employees of your company and guide them through this process, here are three tips for helping employees pick the right medical benefits option for them.
Help Them Evaluate Each Policy
For some corporations, the employees may have quite a few options to choose from when it comes to medical coverage. And because there generally isn’t a one-size-fits-all approach when it comes to medical care and coverage, each individual may have different needs or desires when it comes to their coverage. To best align what you have with what they want, FindLaw Small Business suggests that you sit down with the employees and help them evaluate each policy. This should include considering things like cost, coverage, and restrictions. Because you’re better versed in these policies, you can be a great resource for helping employee compare and contrast what they need from their medical benefits.
Know How To Answer Their Questions
When you sit down with your employees to discuss their medical benefit options, they’re likely going to have a few questions about the choices and some of the specifics for each one. Knowing this, it’s vital that you’re able to answer their questions and address their concerns as accurately and appropriately as possible. With this in mind, Stephen Miller, a contributor to SHRM.org, recommends that you know the answers to basic questions like prescription coverage, coverage for spouses or children, preferred doctors, overall costs, wellness options, and alternative medicine coverage. By ensuring you know all about these topics, you can give the employee the information they need to make the best choice for themselves.
Make Enrollment Easy
Once the employee knows which plan they want to be under, the last step is to actually enroll in that plan. However, some enrollment protocols are so complicated and confusing that employees don’t complete them as they should, making it harder on the employee and on you as the HR representative. To help with this, Matt Straz, a contributor to Entrepreneur.com, recommends that you try to streamline the enrollment process as much as possible, even allowing employees to enroll online. This will help things get taken care of quickly and the way the employee needs.
If you’re in charge of enroll employees for medical coverage, consider using the tips mentioned above to make this whole process much easier for everyone involved.