Major medical emergencies can cost your employees dearly in out of pocket expenses. In turn, their medical issues can mean decreased productivity for you while they receive treatment and take time to recover. How can you help your team to keep these issues and their associated expenses at bay?
Encourage preventive care. Many insurance policies, from major medical to supplemental and voluntary, offer coverage for preventive care. When employees seek routine care to prevent illness and injury, the likelihood of emergency is diminished.
For example: many dental policies cover the cost of dental cleaning, usually providing an annual cap on the allowed expense. Without routine cleaning, an employee may develop gingivitis or tooth decay and eventually need a major procedure, such as a root canal. The expense to the employee then increases drastically, and time off for the procedure and recovery become necessary.
According to the most recent study from the U.S. Department of Health & Human Services through the Centers for the Disease Control and Prevention and the National Center for Health Statistics:
In 2014, 14.9% of persons had no health care visits in the past 12 months, 49.8% had 1–3 health care visits, 23.3% had 4–9 visits, and 11.9% had 10 or more visits. Health care visits for illness, preventive care, or injury include visits to physician offices, emergency departments, clinics, or other locations, in addition to home visits made by health care professionals. In 2014, 83.0% of children aged 2–17 years, 62.0% of adults aged 18–64, and 62.4% of adults aged 65 and over had visited a dentist in the past year.
What is Preventive Care?
Where can I learn more?
For more information about how to maximize the value of your employee benefits offering, contact your Taylor agent today. Don’t have an agent? We’d love to get you connected to the power of T. Call us at (229) 247-6411 for more details. Our experts are ready to help you get the most out of your employee benefits program and develop strategies that both recruit and retain top-notch talent.
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