Healthcare

PPO

Las PPO (Organizaciones de proveedores preferidos) generalmente ofrecen una opción más amplia de proveedores que las HMO. Las primas pueden ser similares o ligeramente más altas que las de las HMO, y los costos de bolsillo son generalmente más altos y más complicados que los de las HMO. Las PPO permiten a los participantes salir de la red de proveedores a su discreción y no requieren una derivación de un médico de atención primaria. Sin embargo, desviarse de la red PPO significa que los participantes pueden pagar una parte mayor de los costos.

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POS

Un POS (Planes de punto de servicio) es un tipo de plan de atención administrada que es un híbrido entre los planes HMO y PPO. Al igual que una HMO, los participantes designan a un médico dentro de la red para que sea su proveedor de atención primaria. Pero al igual que una PPO, los pacientes pueden ir fuera de la red de proveedores para recibir servicios de atención médica.

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HSA

Las cuentas de ahorro para la salud, o HSA, son cuentas de ahorro que se combinan con un plan de salud con deducible alto. Debido a que los planes de deducible alto generalmente cuestan menos que los planes de deducible bajo, las HSA son una buena opción para los empleadores que no pueden pagar un plan de salud integral (de deducible bajo). Estas cuentas de ahorro están controladas por el empleado cubierto y están destinadas a ayudar a pagar gastos pequeños y de rutina de atención médica.

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Create Your Own Wellness Program

A top motivation for utilizing wellness programs is to promote the health and wellness of employees. When starting to think about developing a workplace wellness program, keep in mind these guidelines outlined below.

Step 1 – Conduct a Workplace Health Assessment

Ask your employees a few simple questions to understand the current state of health at your company. This can be done through informal conversations, a call for ideas (suggestion box or bulletin board), or even an online survey.

Workplace Wellness

Effective workplace wellness programs, policies and environments have the potential to significantly benefit a large amount of people through employers, employees, their families, and communities. Check out this list to learn more about workplace wellness.

Why Wellness Works

According to the U.S. Small Business Administration, U.S. small business employed 56.8 million people, or 48% of the private workforce in 2013. For this reason, effective workplace wellness programs, policies and environments have the potential to significantly benefit a large amount of people through employers, employees, their families, and communities. For small business owners who often work day-in and day-out with the same people for years, employees feel like family.

Healthy Business, Healthy Bottom Line: Workplace Wellness Programs for Your Small Business

A workplace wellness program can be whatever you want it to be. Simply put, it is a basic investment in your employees, similar to how you invest in them when you offer training, mentoring, and other basic employee programs. Small employers often see wellness programs as sizeable endeavors undertaken by large corporations, such as organized exercise competitions, on-site gyms, paid gym memberships or healthy food offered in corporate cafeterias. Small and simple programs that can lead to increased wellness and a culture of health are often overlooked, but can provide a long lasting impact on your company and your employees.

Healthcare.gov

HealthCare.gov is a health insurance exchange website operated under the United States federal government under the provisions of the Patient Protection and Affordable Care Act, which currently serves the residents of the U.S. states which have opted not to create their own state exchanges.

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