Frequently Asked Questions - Full Scale Core and Option Cafeteria Plans
Q: What do employees really want when it comes to health insurance?
A: The obvious answer is affordable premiums. But employees want more
than that. And to keep your best ones, you’ve got to give them what they
want. In many cases, they simply want the comfort of having “their own
doctor,” year after year, with no interruption. NationalHR has found
a way to allow employees to keep their doctor, and at the same time, hold the
line on premiums. We call it the Full Scale Core and Option Cafeteria Plan.
One of the ways we do it is to take advantage of a New Jersey law that says
insurers must allow policies to exist side-by-side. That means that employers
can offer employees a choice from a number of companies. So theoretically,
one employee can choose Horizon Blue Shield, while another chooses Aetna and
still another chooses Amerihealth. That's the Full Scale Core and Option Cafeteria Plan. And you can only get it from NationalHR.
Q: Isn’t it really complicated to have more than one medical
carrier?
A: It would be if you didn’t have NationalHR as your liaison.
In addition, all company invoices appear on one bill, to streamline the process
even further. With NationalHR, you’ll have one point of contact, and
one health insurance bill.
Q: I have a wide range of employees. Healthy and sick, some in their
20s, 30s and upward. How can I address all their health benefit needs?
A: This is exactly why our Full Scale Core and Option Cafeteria Plan
is so popular. Designed by NationalHR, this system not only satisfies all your
employees, but controls costs as well.
Q: How do you communicate all this complicated information to employees?
A: Through a combination of materials and meetings that are produced
and presented in down to earth, easy-to-understand language. Once onboard,
we’ll also offer your employees a password protected personal entry website,
available to them 24/7 for any questions that come up. We’ll gladly set
up a convenient time to get together and share our information with you.
Q: Why should I work with NationalHR as opposed to any other broker
out there?
A: Our clients tend to think of us as their “benefits engineer” rather
than their “broker.” Not only do we offer them creative ways to
promote employee satisfaction, we also hold the line on premium increases for
both employers and employees. There’s a lot of behind the scenes work
that goes on to make that happen, and many brokers out there aren’t willing
to do it. Not only are we happy to do what’s necessary, we’re experts
at it.
NationalHR can make you an employer of choice. To find out how, contact
us at 856-810-0700.
