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5 questions advisers are always asked – and how to answer them - Employee Benefit Advisor

As open enrollment approaches, employees begin to turn to their employers, human resources advisors, and benefit advisors to understand the benefits being offered to them. Aldor Delp writes for Employee Benefit Advisor about the top questions employees ask brokers.

Read the full original article from Employee Benefit Advisor.

Here are the top five questions employees ask, and a summary of the answers from Employee Benefit Advisor:

What is open enrollment?
- Open enrollment is the period where employers communicate upcoming benefits features and changes, and employees pick the benefits that are best for them.

How do you choose the right health benefits coverage for the company?
Managers ask questions, compare pricing, and take stock of what your needs are with an affordable product that best represents those needs.

What types of health benefits are available?
- Employers can choose medical coverage, partially self-funded plans, high deductible health plans, a physician-hospital organization, or managed care.

Can I enroll some other time?
- Most employees need to enroll during open enrollment, with a few small exceptions, including:

    • Involuntary loss of current coverage
    • Coverage changes due to marriage or divorce
    • Change in coverage due to becoming or gaining a dependent
    • Errors in enrollment have occured
    • Moving to a new area permanantly, altering coverage options
What is an HSA and is it right for me?
Health savings accounts (HSAs) are medical savings accounts that allow individuals to contribute a particular amount each calendar year to pay for future medical expenses.

For employers, choosing an affordable and employee-friendly healthcare plan for your staff can be a daunting task, especially when there are so many options to choose from. Download Nonstop's Best Practies for Employee Healthcare Purchasing for an easy breakdown of the different options and the advantages and disadvantages of each:

Download the Guide Now! 

The information and materials herein are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters and are not intended to replace the advice of a qualified attorney, plan provider or other professional advisor. This information has been taken from sources believed to be reliable, but there is no guarantee as to its accuracy. In accordance with IRS Circular 230, this communication is not intended or written to be used, and cannot be used as or considered a ‘covered opinion’ or other written tax advice and should not be relied upon for any purpose other than its intended purp