A win-win for everyone!
 |
|
Chuck Gerrald, of Blue Cross Blue Shield
|
By Chuck Gerrald
With costs skyrocketing from every direction, many small business owners are finding it more and more difficult to offer health coverage to their employees. In turn, this makes it difficult to attract and retain quality people. But there is a solution that is a win-win scenario for everyone.
Employees are now able to purchase an Individual Health Benefit Policy, and choose a plan that fits their individual needs, instead of having their employer dictate a plan for them. With this new type of benefit, the employees own the health benefit plan, and if they leave their present job, they can take it with them to their next employer. Having an individual health benefit policy also eliminates the need to find a new doctor and learn the details of a new plan along with their new job.
The cost of an individual health benefit policy is based on the larger pool of individuals in the State, unlike small group plans which determine their cost by the health status of the group of employees on the plan. This makes individual policies an attractive and very affordable option.
There are many individual health benefit plans available with different levels of coverage and deductibles to fit all types of lifestyles. People who are without health coverage would be wise to research how an individual health benefit policy can help to offer them peace of mind, without breaking their wallets.
For more information on individual health benefit policies please contact Chuck Gerrald. Chuck Gerrald is a licensed agent for Blue Cross and Blue Shield of Georgia. Contact Chuck at cgerrald@bcbsga.com or 404-923-3163. Blue Cross and Blue Shield of Georgia is an independent licensee of the Blue Cross and Blue Shield Association.
