Employees are confused and frustrated with the delivery of their healthcare benefits. They're not sure what they can and can't use, how much it will cost, and how to recieve coverage. Add to that the stress of duplicate bills, complicated EOBs, and calls from collection agencies. What can you, as an employer, do to help ease the pressure?
It's not a stretch to say that receiving a large, complex benefit packet at the begining of any employment is overwhelming. Between the accrued vacation time, detail-specific wellness benefit, and other programs that are temporary or only offered in specific situations, it can add more stress than relief, at first. Some of the major confusion arises from insurance benefits and what is covered under the employer health plan.
1 in 5 employees believe that they understand the insurance benefits offered to them
4 in 10 employees strongly believe their employers' benefits communication is understandable
Half of all employees are very confident that they made the right decisions during their last annual enrollment
Understanding how far-stretched the confusion is, is the first step to making a change in your benefits plan. It’s not impossible to remedy the confusion. Re-evaluate how your H.R. team talks about benefits. Schedule some time to re-write the benefits packet in a way that is easier to comprehend. Plan to have a member of your H.R. team meet with each new employee to go over any benefit questions. It may take some time, but you’ll find that when the employee understands the benefit, they’ll utilize it more often.
How to clear the confusion on medical bills & cut your medical spend
Tackling benefit confusion is one thing, but how can you, as an employer, possibly help your employees understand the medical billing process? Even if your employees were to come to you with duplicate bills, an outrageous price, or coverage questions, would you know the answers? Luckily, there is a solution for this widespread issue that employers can provide their employees, Medliminal's Health Savings Program.
The Health Savings Program (HSP) is designed to lower the overall healthcare spend for employers. By identifying non-compliant charges, the HSP will reduce the amount that employers spend on unnecessary medical costs. On top of that, employers have access to the Health Savings Dashboard (HSD) featuring customizable analytics. With this tool, employers are able to pull custom reports and track medical cost savings analytics by division, location or medical facility.
One of the trademarks of the Health Savings Program is the Dashboard feature. Employees will have access to the secure online Dashboard where they can submit bills for review, view the status of their bills, learn about their state’s health care laws, and more. Users will also have access to trained professionals who can answer questions about which bill they should pay, which one is a duplicate, and other questions pertaining to their medical bills. The Dashboard will also be available as an app, where users are welcome to upload their bills by simply submitting a photo taken on their mobile device. Once a bill is submitted, employees will receive updates throughout the process and will be notified when the review is complete.