Group Insurance Benefits ExplainedGet the details, guidelines, pros and cons, and future outlook of Group Insurance Benefits from the specialists

Get the latest news on the Health Care Reform issue here ~

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UnitedHealthcare (UHC), a major insurance carrier, is working to help mid-size business owners manage the cost of health insurance for themselves and their employees.

They realize that medical coverage is one of the major expenses a business has and they realize that escalating costs are crippling businesses.

They have introduced a “slimmed down” PPO plan that gives businesses an affordable PPO alternative.

Watch the video for an overview.

Contact Nelson at Nico Insurance Services today for a quote for this new PPO insurance from UnitedHealthcare.

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In 2007, the Florida Hospital Association estimated that $100,000 million was spent on illegal patient.

Although the information in this video is from Florida, similar situations are happening throughout the United States.

We are a compassionate nation and will not tur4n away anyone needing health care. However, the costs of illegal patient care is helping to cripple our healthcare system and escalating the costs to everyone.

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The experts at Nico Insurance Services are offering a free consultation to small business owners and individuals who are struggling with finding the right medical, dental, vision and disability plans.

Choosing the right health insurance plan can be overwhelming. There are too many insurance companies offering too many plans. And have you seen the “small print”? The details of each plan vary and it sometimes the coverage you think you are getting is not actually what the plan covers.

That is why consulting a broker makes sense. They have the knowledge and resources to help find you the right plans for the best price.

Nelson Shear at Nico Insurance Services will ask the right questions to choose the plan that suits you. Call him today for a free consultation at 619-667-2111. Tell him that the Group Insurance Benefits Specialists sent you.

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Health Insurance Copayments

An important aspect to consider when you are choosing a medical plan is how much would your employees be able to afford out of pocket if they need medical care. While a higher annual deductible lowers the premiums, choosing a plan with too high of a deductible can overly burden the insureds.

There are ways around this though such as implementing a flexible benefit or HSA plan. Let the experts at Nico Insurance Services help you design the perfect benefits program for you and your employees. Contact us today for a free consultation.

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Last month MetLife released their annual Employee Benefits Trends Study – the eighth in the series. One of the focuses in the study was Wellness Programs and their benefits to employers and employees.

Wellness programs are a form of preventative medicine, educating people on how to life a healthier lifestyle.

Why would you need a Wellness Program?

Many employees claim they deal with a lot of stress on the job. This is particularly true in today’s economy.

68% of the employees surveyed for the report stated that the current economic crisis has caused them to feel insecure about their job stability and worried about their finances leading to a decrease in their job performance. In many cases, layoffs have also increased their work load.

All of this leads to stress which gives rise to health issues, a no win situation for both the employee and the employer.

What should your Wellness Program include?

• Regular Checkups
• Weight Loss Programs
• Exercise Programs
• Diet & Nutrition Education
• Blood Pressure & Cholesterol Management
• Smoking Cessation Programs

Wellness Programs lead to:

Better health which leads to…

• Improved Employee Productivity
• A Decrease in Absenteeism
• Lower Medical Costs
• Fewer Disability Claims
• Greater Employee Loyalty

Wellness Programs make perfect sense for both employers and employees.

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Professional Management Tips : Why Are Employee Benefits So Important?

I agree that employee benefits are important and that by offering a good employee benefit package an employee can get and keep good employees. I was a little startled by the assertion that today’s employees have a weaker work ethic than in the past – do you think that is true?

P.S. Do you have any questions about your employee benefit plans? Contact Nelson Shear at Nico Insurance Services to get your questions answered.

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