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By: Laurie Churchill, Field Representative

When your employees understand their health benefits, they can spend less to get more out of their plans. However, only 19% of employers feel their employees have a good grasp on their benefits. This can lead to inefficient use of benefits, from expensive, unnecessary emergency room visits to choosing higher-cost providers.

NHADA can help employers control their health care costs by providing employees with the support and education to clear up costly misconceptions, we help them use their health plans efficiently.


Mistake One:

Choosing a plan based solely on the deductible

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The truth: Evaluating all cost-sharing options can help control costs for both employees and employers.

Only 9% of Americans showed an understanding of health plan premium, deductible, out-of-pocket maximum and coinsurance.

Our solution: We can come on-site to help your employees understand how to choose the best plan for them. When members understand options like co-pays and coinsurance, and other benefit designs, they can save throughout the year.


Mistake Two:

Assuming that a higher-deductible plan means higher costs.

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The truth: Higher-deductible plans often have lower premiums, which can help save money in the long run. These plans can also encourage employees to shop around and choose the most affordable care. This gives them a better understanding of how to get the most value from their plan.

NHADA offers both HSAs (Health Savings accounts) and medical expense reimbursement plans to support your employees who've selected a higher deductible plan.

Our Solution: NHADA offers both HSAs (Health Savings Accounts) and Medical Expense Reimbursement Plans to support your employees who’ve selected a higher-deductible plan. Each can be an attractive medical expense fund option for employees who want lower premiums but are worried about unexpected out-of-pocket costs.


Mistake Three:

Choosing a more expensive provider in hopes of getting better care

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The truth: The old adage “You get what you pay for” may apply to concert tickets or a new roof, but it doesn’t necessarily apply to health care. There can be a significant difference in cost but not necessarily in quality of care for services like:

  • Lab work
  • Screenings
  • Outpatient surgery

Many of our plan designs are structured to drive toward quality services that have a lower out-of-pocket cost for members.

Our Solution: Many of our plan designs are structured to drive toward quality services that have a lower out-of-pocket cost for members. We offer different network options and site-of-service benefits, such as our LP (Low-cost Provider) network.


Mistake Four:

Going straight to the emergency room when the doctor isn’t available

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The truth: Options such as urgent care or even virtual doctor visits can help your employees get the quality care they need, without the high cost of an emergency room visit.

Members can get fast and affordable urgent care by connecting with a doctor through a live video visit on their smartphones, tablets or computers

Our Solution: We offer your employees tools and support to find the level of care they need. To help them avoid costly and unnecessary emergency room visits, our plans cover multiple urgent care options, including a telemedicine service called Doctor on Demand. Members can get fast and affordable urgent care by connecting with a doctor through a live video visit on their smartphones, tablets or computers. Emergency room visits can cost three times more than urgent care visits. 56% of emergency room visits are totally avoidable.


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Laurie Churchill, Field Representative

As NHADA’s Insurance Producer, Laurie helps our member employer groups take advantage of strategies to help manage healthcare costs and still maintain satisfied employees and a solid bottom-line. Laurie works with employee insurance benefits that include group medical, dental, vision, life, and disability income protection. She also provides additional insurance plans like Group and Voluntary Life & Disability plans, employee-paid Worksite plans such as Accident, and Critical Illness, along with Flexible Benefits like Section 125 Premium Conversion Pre-Tax Plans, Health Reimbursement Accounts and Flexible Spending Accounts. When she’s not at work, Laurie enjoys gardening and spending time outdoors.


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