It’s just a few days to go for open enrollment, and so as for its preparation.  Everyone seems to indulge in the discussion on how to make this enrollment season smooth and successful.

Here are the few Common Health-Related Employee FAQs
How to make enrollment easier for employees?
Which is the right option and which is not?
What regulations and laws must be abided by?
How employers can benefit?
How employees can benefit?
How brokers can benefit?
Are all the technical stuffs related to open enrollment ready?

But, have you ever wondered whether your employees are on the same page in understanding the benefits? What if they have some basic health-related queries that they might want to ask but as you’re more focused on stuff like filling up forms, preparing for enrollment and carrying out other related formalities, they are left deprived of this information?

Some Common Employee queries that need to be taken care of:

Q. What is my share in medical expenses?
A. With deductibles, copays and coinsurance costs always on the high; this is certainly the most frequently asked question. Thus, employers need to make their employees understand how much they need to pay in case of critical illness, accident or any other sudden costly medical event.
 
 Q. Out-of-pocket and non-medical cost criteria?
A. Expenses like transportation costs, child care and pay loss due to missing work are not covered under the employee’s medical coverage. This must be brought to their notice to avoid any conflicts or problems in later stages when the claim is made. Also, employees can plan accordingly if every aspect of their medical insurance is made clear to them.

Q. Will I be able to make up for the income that I lose due to critical illness or accident?
A. Protecting one’s income is the major concern in case of a critical illness and absence due to certain disability caused due to the illness or accident. Thus, employers must offer their employees with long-term and short-term disability insurance so that they remain financially sound even when they are bedridden.

Q. Will my insurance cover my on-going medical problems?
A. Most employees suffer a pre-medical history or certain hereditary disease like diabetes or heart disease and are concerned whether their insurance plan will cover the expenses incurred due to the regular treatment it requires. Actually, medical treatment based on health habits can be covered under policy like hospital indemnity insurance where hospital stays are also covered and for family inherited diseases, critical illness insurance can be an option.

Q. Do Accidental Cases Cover Under My Insurance Policy?
A. To cover accidental expenses for you and your family, increased expenses need to be covered too under the insurance plan. Thus, employers are required to keep their employees informed about the option of accident insurance so that their medical bills and other related out-of-pocket expenses can be covered.

Q. Will My Regular Eye & Dental visits get Space in the Plan?
A. Having an appropriate dental and vision insurance can be of great value to the employees as both of them require frequent and regular visits. Employers are required to put forth this option so that employees can analyze whether they require such a policy or not.

Q. Will My Age have anything to do with The Insurance Plan I Choose?
A. Different age groups require insurance of different kinds. Employees who are above the age of 45 or 50 are more likely to experience health-related problems when compared to those at younger age. Employers must analyze their workforce type under various categories and offer them coverage according to their individual-specific needs.

To Conclude:
Having these questions answered carefully, employers can create a bond of trust and friendliness with their employees. Even employees will have a sense of confidence and satisfaction in their employer as well as the plan they have opted for. This two-way trust will help in building a firm foundation for an organization and guarantee success.