The process of Educating and Communicating with Employees about the value of the Benefit Choices provided by their Employer and Broker(s) prior to the “Enrollment Period” is never easy! This is when the Employer and Broker(s) must work together to make the Benefit Plan Design and the Plans, Programs and/or Services understandable and acceptable to the Employees and their Families. When possible, effective “Group Meetings” – including the preparation before and the follow-up after – can determine several outcomes:
- Success or Failure of the Plan Design.
- Efficient use of HR, Manager’s and Employee’s Time.
- The Efficiency of the Enrollment Process — One-on-One, Internet Based, Call Center Based, Paper Application Distribution, a combination.
- Proper Utilization of the Employer’s “Invested Benefit Dollars”.
- Successful Penetration and Persistency for the Carriers and Providers of Plans, Programs, and Services.
- Conveying Important Messages to Reduce Health Care and Insurance Costs.
- Reduction in the Number of Changes following the Enrollment.
- Proper Utilization of the Employee’s and their Family’s “Invested Benefit Dollars”.
- Compliance with Regulations.
- Employee Satisfaction and Motivation.
- The Ability to Retain and Hire New Employees.
If Group Meetings are possible, the following TIPs should assist in the Planning, Preparing, Scheduling, Holding, and Following-Up on the Meetings. Note: The Group Meetings should be “Mandatory” to avoid Misunderstanding and Claims of Discrimination”!
Prior Communications – Setting-Up the “Value Proposition”
A) Communication with Employees should be a year long activity. Employee’s utilization of the Healthcare System, as well as the Benefit Plans, happens on a day-to-day basis. Employees and their families can become better consumers when armed with information. There are an incredible number of “Free” sources of cost-saving information on the internet.
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