The Brabo Benefits and Payroll team knows that the laws can change significantly at any time, and they make it their mission to stay educated and continuously have a finger on the pulse of their industry to know when those changes are coming and how they will impact you.
Right now, those changes include your health insurance. In the past, companies offered one healthcare provider’s insurance plan to all of its employees. That is no longer the case.
Brabo has recently announced that employers now have the option of offering the Massachusetts Health Connector to their employees. According to Scott Hokanson, a Brabo Benefits Partner, a company will now pick a base plan, and the employee can either choose that plan or choose from another 10 plans that will be available from six different healthcare providers.
Each employee will have different rates, depending on their own demographics (family, individual, etc.). Whether you have five employees or 50, the new Mass. Health Connector program offers an easy way to provide health insurance that’s affordable for your business and your employees.
The plans your employees can choose from are all widely-accepted and trusted carriers, including Blue Cross Blue Shield, BMC Health, Fallon, Harvard Pilgrim, Neighborhood Health, and Tufts Direct Health. Some of these have multiple plans to choose from.
So, while your employer will carry one base plan, you can now choose that base plan or you can choose from among the others. It’s all up to the employee to decide who they want and what type of plan they can afford. For example, if you are a married couple with one child, your family plan will not cost the same as a family of six. Each plan is tailored to fit your personal requirements.
“This is a good option to give employers more choices,” Hokanson said. “It’s the best plan for small, growing companies that are offering health insurance to their employees for the first time. You’re giving your employees more choices, as well.”
If you’re an employer and would like to speak to someone about the new programs available, call Scott Hokanson, at Brabo Benefits and Payroll, at 508-830-3800. You can also visit brabobenefits.com.
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