Good quality group health insurance is an important benefit for today's workers. But the best approach to keeping your employees healthy is a multifaceted approach that combines insurance with the right complementary benefits. What should some of these include? Here are a few important ways you can use benefits to ensure total employee health.
1. Mental Health Coverage. Be sure your group insurance includes robust mental health services. This aspect of health insurance was often overlooked prior to the pandemic, but recent events have increased stress, depression, anxiety, and various coping mechanisms. While most insurance covers some mental health care, a smart employer chooses highly usable and useful services.
2. Flexible Schedules. One benefit that may not cost you much or anything as an employer is a flexible schedule. This could mean simply allowing employees to choose the best regular hour schedule within certain parameters. Or it might mean letting them work without punching a time clock. But whether these benefits mean they can pursue preventative medical care or volunteer at their child's school, empowering them with more flexibility means healthier workers.
3. Wellness Programs. Wellness programs can help keep employees physically and mentally healthier and lower insurance costs. But the employer needs to choose wellness programs that will actually serve their employees. Work with employees to determine what they're looking for. It could include gym memberships, walking groups, online or app-based counseling, weight loss programs, or anti-smoking programs.
4. Healthcare Navigation. Insurance and health care in the United States can be complex. This results in many people putting off treatment, not being able to pay for it, or not understanding how to get what they need. Healthcare navigators help people figure out how to get the care they need. A modern addition to company health plans, navigation services improve uptake on everything from preventative medicine to treating problems before they grow.
5. Work/Life Balance. How is your employees' work/life balance? Can they maintain an even keel at home and at their jobs? Imbalance in what's demanded of them causes mental and physical stress. The specific ways you offer work/life benefits depend on your industry and business, but it could include reducing overtime, increasing hybrid work options, using videoconferencing rather than travel, or allowing more changes to shifts and schedules.
Want more ideas for benefits you might offer to align with and complement your group insurance coverage? Consider meeting with an employee benefits consulting service near you to learn more.