As a health insurance broker working with United Advantage Agency, you need to know you’re offering plans and solutions that small business owners truly need. Employers know it’s important to get the most out of their health benefits plan. As costs continue to rise in the health insurance market, finding the right options at an affordable solution has become cumbersome. And with employees continually placing benefits at the top of their priority list when searching for employment, if you can give business owners a leg up from what you offer – and do it at a cost far less than the average – then they will find themselves at very good odds to acquire and maintain dedicated personnel in their companies. And on the same token, you’ll find yourself at very good odds to close the sale.
So what would a true health benefits plan that benefits not only employers and their companies but their employees as well look like?
Give Them Access to PPO Networks
When they’re limited to a singular network, it can cause tremendous problems for their employees to receive the care when and where they need it. By offering a plan that includes multiple PPO networks, you’re essentially allowing their staff to keep using the providers they already know and trust.
Give Them Automatic Savings On Prescription Drugs
The costs for prescription drugs have skyrocketed over the years, so it’s important to provide their team the ability to receive the medications they need at a price they can actually afford. Make sure their plan includes integrated prescription benefits management so that the cost of every prescription drug that comes through the plan has the ability to be discounted. Not only will it help their employees out every time they head to the pharmacy for a refill, but it will assist in lowering their health benefits plan expenses – giving them a better chance for decreased rates when renewal comes around.
Give Them the Option to Choose a Reference Based Reimbursement Plan
Reference-based reimbursement (RBR) plans help combat the rising costs of healthcare by paying hospitals what is fair and reasonable for their services. While having multiple PPO networks can be a vast benefit, making sure their employees aren’t stuck with unreasonably high medical bills can prove incredibly advantageous as well. And the good news is, they won’t be required to choose a specific doctor, either. Which means they can stay right where they want.
Allow Them to Utilize Telemedicine and Eliminate Employee Copays
Telemedicine is growing in popularity as it allows someone to speak with a doctor over the phone, receive a diagnosis, and then get a prescription – all without ever having to pay a copay. It allows for even more cost savings to small business owners’ health benefits plans, and their employees will appreciate the ease and convenience of not having to leave their house to receive medical care. All they have to pay for is their prescription.
Allow Them to Manage Their Health Benefits Plans Anytime, Anywhere
When working with business owners, it’s important to realize that they want to know where and how every dollar for their company is being spent. That’s why plan management is so important. When they have access to monitor real-time claims data, it allows them to see exactly how their health benefits plan is being utilized – setting them up for the possibility of reduced rates at renewal rather than hefty increases.
Give Them Everything Their Health Benefits Plan Should Have in One Place with United Advantage Agency
If you’ve been looking for the right plan that will provide small business owners and their employees the coverages they want and need, at a price they can afford and can benefit from, look no further. United Advantage Agency offers all of these plan benefits and more at rates much lower than the industry average. And with a third-party plan administrator that includes multilingual CSRs, 24/7 access to healthcare claims and plan data, and more, they’ll gain full control back over one of the most important areas of their company – making it an easy sell for you as their broker.
And they don’t have to wait until renewal, either. Become a broker with United Advantage Agency today.