Health benefits are the most sought-after benefits - but they’re also the most expensive to offer. But there are ways you can keep your costs down while offering good, effective and attractive benefits. One way is to ensure your employees know what kind of health provider to use and when. In doing so, they will not be wasting money on unnecessary treatment which in turn saves you money by avoiding large claims payouts (for no reason).
This article outlines a few tips for your employees to know when they should head to the doctor’s office, visit urgent care, or take a trip to the emergency room:
Employees should visit their regular doctor for non-life-threatening ailments like minor cuts, sprains, low fevers, sore throats, headaches and other issues that don’t require urgent treatment.
When you or your employees experience a non-life-threatening ailment that requires immediate attention, it’s time to use urgent care. For instance, if you believe you may have broken a bone or be facing a severe concussion, you will need to be taken to an urgent care facility.
Reserve visits to the ER for serious or life-threatening ailments. If you’re having trouble breathing, feeling unusually dizzy or light-headed, bleeding severely, or showing signs of a heart attack or stroke, do not hesitate to call an ambulance or have someone take you to the ER.
Although health benefits can cost your company big bucks, they’re an important way to show you care for your team. There are several companies and options to cover your employees Cigna offers group insurance coverage to employers with 51 or more full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees in most states. If you think your small business would benefit from group insurance coverage with Cigna, let us know and NY Small Health can help you get a quote (and answer all your insurance-related questions).