This is a sponsored post by UnitedHealthcare. All thoughts and opinions are my own.
Out of the many challenging aspects of adult life, surely one of the most frustrating is dealing with insurance.
This is true for both individuals and for companies considering small business healthcare. Because there aren’t immediate and tangible benefits, paying for insurance can feel like dumping money into a black hole.
But going without health insurance could get you into real trouble. And that was true even before Obamacare started penalizing people for not having it.
From a business standpoint, there is a lot of pressure to provide healthcare for employees. It is difficult for most people to find an affordable plan that offers decent healthcare. Offering health coverage is a major selling point for attracting qualified employees.
It so happens that United Healthcare (UHC) has developed an online solution that alleviates many of the pain points small business owners face in this area. Instead of time-consuming stress, they get a fast, smooth experience shopping for affordable plans.
Small Business Healthcare Is a Pain
The Superstore Quant Report has found that many employers see healthcare as time-intensive and confusing. The Business Journals SMB Insights reports that 63% of businesses identify healthcare as a significant problem because of its costs and how difficult it is to choose coverage.
The fact remains, however, that healthcare is a necessary evil. Being able to offer a healthcare plan makes your business a more inviting place to work, not to mention the fact that healthy people are more effective workers.
That is why UHC’s solution is so valuable. Through it, you can get the most tailored plans, the best prices, and the most advantageous options overall for your employees.
UHC designed the online shopping experience with small businesses in mind, specifically those with 2-50 employees. Purchasing coverage for your employees is a simple, three-step process that will only take you about 20 minutes to complete.
The software evaluates what plans are available to you based on where you live and the number of people you have on staff. It then presents you with your various options. You can either select all of these or choose which ones you would like to offer.
This setup allows you to avoid spending valuable time sorting through numerous plans that are not even relevant to your company.
Customize According to Your Needs
UHC’s solution determines the cost of providing healthcare based on your employee demographics. Which plans you want to offer really depends on who your workers are and what stages of life they are in.
Are they older or younger? Do they have families? Do you have more men or more women on staff? You’ll input your employee data and be able to evaluate which plans you need.
This is another aspect of the system that helps you end up with the best results, simplifies your experience, and reduces your expenses.
Once you’ve completed these steps, you get to set your monthly budget. The amount your employees pay will vary based on which plan each staffer chooses, while the amount you pay will remain fixed.
The shopping tool will give you a breakdown of your overall monthly costs. It will also show the cost to you per employee and the estimate of what your employees will spend.
You therefore get an accurate assessment of how much providing healthcare will actually cost you and be able to limit that expense.
Low-Cost, Less Stress, Better Options
UHC’s small business solution enables you to help your employees and your company through making it easy and affordable to provide healthcare.
No longer will you have to spend time-consuming energy sorting through a myriad of confusing options, only to end up with an extremely expensive one. Instead, the process is simple and stress-free.
Disclaimer: The views expressed do not reflect those of UnitedHealthcare nor its affiliates. They are the personal opinions of the authors. While UnitedHealthcare has made every attempt to ensure accuracy, the information contained in these blogs may change and UnitedHealthcare assumes no responsibility for errors, omissions, contrary interpretations of the subject matter or information herein or for any losses, injuries, or damages arising from its display or use. These blogs may connect to other websites maintained by third parties over whom UnitedHealthcare has no control. UnitedHealthcare makes no representations as to accuracy, completeness, suitability, or validity of any information contained in those linked blogs or third party websites. Blogs are for general informational purposes only and not intended to be medical advice or a substitute for professional health care.
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