Employer Sponsored Supplemental Insurance
Employer-Sponsored Supplemental Insurance Plans
In today’s rapidly changing healthcare landscape, offering supplemental insurance as part of your employee benefits package is a smart way to provide additional financial protection for your workforce. At Merrimack Health Insurance, we offer a range of employer-sponsored supplemental insurance plans that help fill the gaps left by primary health insurance. These plans provide peace of mind to your employees, ensuring they have the coverage they need when facing serious health issues or unexpected accidents.
Provide Financial Security with Critical Illness Insurance
Critical illness insurance is designed to provide financial support to your employees during some of life’s most challenging moments. Our critical illness insurance plans offer :
Lump-Sum Payment
Employees receive a cash benefit upon diagnosis of a covered critical illness, such as cancer, heart attack, or stroke.
Flexible Use
The lump-sum payment can be used for any purpose, including medical bills, household expenses, or travel for treatment.
Peace of Mind
Knowing they have financial support in place allows your employees to focus on recovery without the added stress of financial concerns.
Critical illness insurance is a valuable addition to your benefits package, offering essential financial security for your employees.
Protect Your Employees with Accident Insurance
Accidents can happen at any time, and the resulting medical expenses can quickly add up. Offering accident insurance as part of your benefits package provides your employees with:
Coverage for Medical Expenses
Accident insurance helps cover the costs of emergency room visits, diagnostic tests, and rehabilitation services related to accidental injuries.
Cash Benefits
Employees receive cash payments that can be used to cover out-of-pocket expenses not covered by primary health insurance.
Support During Recovery
The financial support provided by accident insurance helps employees focus on recovery rather than worrying about medical bills.
Accident insurance is an important benefit that can help your employees navigate the financial impact of unexpected injuries.
Offer Peace of Mind with Hospital Indemnity Insurance
Hospital stays and surgeries can be costly, even with health insurance. Hospital indemnity insurance provides:
Cash Payments
Employees receive a daily or lump-sum benefit for each day they spend in the hospital or for specific procedures like surgeries.
Flexible Use
The benefits can be used to cover medical bills, household expenses, or other costs associated with hospitalization.
Supplemental Coverage
Hospital indemnity insurance complements primary health insurance by covering the gaps left by deductibles, copayments, and other out-of-pocket costs.
Offering hospital indemnity insurance as part of your benefits package provides your employees with peace of mind during hospital stays and recovery.
Why Offer Employer-Sponsored Supplemental Insurance?
Providing employer-sponsored supplemental insurance offers several key benefits that contribute to the success of your business:
These benefits make employer-sponsored supplemental insurance a critical component of any employee benefits package.
Employee Satisfaction
Supplemental insurance is a highly valued benefit, contributing to higher job satisfaction and employee retention.
Additional Financial Protection
These plans offer your employees extra protection against the financial burden of serious health issues and accidents.
Enhance Your Benefits Package
Adding supplemental insurance to your benefits package makes it more comprehensive and attractive to top talent.
How to Select the Best Supplemental Insurance Plan for Your Business
Choosing the right supplemental insurance plan for your business involves understanding the needs of your workforce and aligning those needs with your business goals. Here are some factors to consider
Assess Your Workforce’s Needs
Determine the types of coverage your employees value most, based on their demographics and health concerns.
Consider Your Budget
Review your budget to find a supplemental insurance plan that offers the best value while providing comprehensive coverage.
Plan for Growth
Consider how your supplemental insurance plan can evolve as your business grows, ensuring it remains competitive and attractive to top talent.
At Merrimack Health Insurance, we’re here to help you design and implement a supplemental insurance plan that meets the needs of your workforce and supports your business’s success.
Ready to Get Started?
Have a question or need more information?
Use the contact form below to send us a message.