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How Can Small Businesses Help Their Employees Gain Access to Health Insurance?

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In addition to salary, one of the most important benefits an individual receives when they accept a job is employee-sponsored health insurance otherwise known as group plans.  Because most provincial plans leave Canadian residents with gaps in their coverage, obtaining supplemental health insurance coverage is critical to all individuals and families.  But some employees do not qualify for their employer's plan and some businesses are not able to offer health insurance to their employees.

If you are a business owner and you have employees who don’t qualify for health insurance under your company plan or you are unable to offer an employee-sponsored plan, there are ways you can help your employees get the coverage they need to protect themselves and their families from out-of-pocket medical expenses.

Give Your Employees Valuable Health Insurance Information

Many people don’t know where to begin when searching for supplemental health insurance. With so many plans available on the marketplace, sorting through all of the choices to find one that meets their needs and the needs of their family can be difficult.  If you don’t offer a company-sponsored plan or you have employees who don’t qualify for the plan(s) you offer, you can give them information about a variety of health insurance plans to help them make an informed decision about purchasing the one that is right for them.

What Programs Are Available?

Supplemental health insurance can bridge the gaps left by provincial plans and help your employees reduce their out-of-pocket expenses for routine and emergency medical care. Furthermore, having adequate health insurance coverage will give your employees peace of mind and minimize the amount of time they miss work due to illness because they will be able to receive the care they need when they need it.  There are many health insurance plans available that offer varying levels of coverage, so your employees are sure to find one that fits their needs.

How Does it Work?

If you choose to provide your employees with information about supplemental health insurance plans, there is no obligation to you or your company.  Simply give them the information and your job is done.  There are no fees for you to pay, and you are in no way responsible for the administration of the plans your employees choose.  If your employees have questions about the plans that are available and the coverage that is offered, they can contact a customer service representative to get the answers they need before making a purchasing decision.  An insurance professional can help your employees evaluate their coverage needs and choose the plan that is best for them and their families.

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