As an employer, you're obligated to provide health insurance for your new employees. A health plan is a contract between an employer and a group of employees that provides coverage for medical expenses.
A health plan in Hawaii can be an individual or family plan. Individual health plans cover only the employee, while family health plans cover both the employee and their spouse or partner.
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Here are the benefits of having a health plan
1. A health plan can provide benefits that extend beyond medical coverage to include mental health support, prescription drug coverage, and more.
2. Health plans can help employees save money on their healthcare costs by offering discounts on premiums and other out-of-pocket expenses.
3. Employees who have a health plan are more likely to visit the doctor, fill prescriptions, and seek preventive care than those who do not have insurance.
4. By providing a forum for sharing information and coordinating care, a health plan can help employees stay healthy and avoid costly medical bills.
New employees should be aware of some key health plan tips. First, make sure you are covered under your employer's health plan. If you are not, your employer may provide you with a reasonably affordable policy through their group health plan.
If you do not have insurance through your employer, make sure to check out the state and federal healthcare exchanges available in your area. These exchanges allow you to purchase affordable insurance plans that will cover pre-existing conditions, so long as you meet certain eligibility requirements.