Small medical practices, including small family practices, chiropractic, naturopathic and offices' specialists can be a difficult time finding health care that they fit within their budgets. Since many small medical practices have limited capital, the cost of the traditional group health insurance is a major challenge. Moreover, not enough employees to meet the minimum participation requirements offices.
Nevertheless, health services are an important part of the recruitment and retention of the best nurses, nursing assistants and office managers. While many medical practices are trying to do without health insurance, this leaves employees in danger of causing large medical bills in the event of an accident or expensive medical procedures.
An ideal solution for small medical offices send their employees to the individual health insurance market. The office can still help their employees with their individual health insurance costs, while staying within the limits of their budget. Here is why employer-paid individual health insurance is an ideal solution for small medical practices is.
Why is individual health insurance Ideal for small practices
employer-sponsored individual health insurance is ideal for small medical offices, because the solution they can offer health benefits for recruiting and retention, while still their advantages costs under control. The solution is affordable, 100 percent paperless, and flexible enough to fit the needs of a busy medical office. Moreover, by employee class is used, the practice can set various health benefits for different employee roles. Here are the advantages of the individual health insurance and why they fit well with small practices:
1. Controllable costs: to be able to set, to control and predict the full benefits of health costs is revolutionary for many small offices. Reimbursement of employees individual health insurance is the medical office controllable costs of:
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Set definition of its budget by the amount of contributions to employees' healthcare
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Enter employee access to monthly health supplements
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assignment of various allowances for certified nursing assistants, licensed practical nurses, nurses, physicians assistants and office managers
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allowing employees, their own individual health insurance to
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reimbursement of employees only for eligible health insurance premiums up to the amount allowance in their health
2. More time for patients serving: with a credible reimbursement software provider reimbursement take to manage less than 5 minutes per month online. Some small surgeries consider extrapolations salaries for their employees health insurance without formal plan or compatible software. However, still expensive in accordance with regulations and healthcare reform, time consuming, and administrative expenses.
A credible reimbursement software provider eliminates the time to offer cost and administrative burden health benefits. Offices that can choose a refund software vendors expect:
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Spend your refund plan administration
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access to less than five minutes per month its repayment schedule 24/7 online
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Integrate refunds with their existing payroll system and HR process
Why individual health insurance works well for employees of small offices
1. familiarity with health insurance: the nursing and clerical staff are likely to be very pleasant to work directly with the insurance companies. They are often more familiar with health conditions than other workers in non-medical industry.
2. Staff Pick: Individual health insurance offers more choice and control to employees by allowing them to choose a plan that meets their own needs, including coverage and network. Employees can decide their own plans to work with their budget. These plans can be adapted to individual circumstances and age.
For example, when a young employee is relatively healthy and on a tight budget, a plan with a lower premium and higher deductible may be the right choice. On the other hand, for those with more healthcare needs, a plan with a higher premium and lower deductible can better plan the.
3. Lower costs: individual health insurance costs up to 60% less than group health insurance. In addition, employees may qualify for premium tax credits, depending on their income, household size and suitability for other state-funded programs.
What kind of health benefits offers to small medical office?
Photo Credit: Flickr, The National Guard
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