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Health Insurance
Illnesses and injuries often arise unexpectedly, necessitating medical attention. Health insurance safeguards against unforeseen medical expenses and offers various essential advantages. It grants access to healthcare services, contributing to reduced mortality rates, enhanced health outcomes, and increased productivity. Despite the benefits, over 28 million individuals remain uninsured, jeopardizing their physical, mental, and financial well-being.
Those lacking insurance tend to delay necessary medical treatment and resort to emergency departments, straining already limited resources. Failing to buy health insurance leads to using valuable resources for conditions that could have been mitigated or treated at a lower cost elsewhere.
Health Insurance
The average cost of health insurance in the United States varies depending on age, location, type of plan, and household income. However, as of 2024, the average cost of an individual insurance policy is estimated to be around $447 per month, while the average cost of a family insurance policy is around $1,998. It’s important to note that these costs can vary significantly, and it’s best to shop around and compare plans to find the best coverage at the best price.
Dental & Vision Coverage
Dental insurance plans feature next-day coverage and no enrollment fees. Most plans do not have waiting periods. Preventive visits, such as dental exams and cleanings, are covered up to 100%. Some plans include additional benefits, such as orthodontia or hearing care.
Vision insurance plans offer next-day coverage, no waiting periods, and no enrollment fees. Choose from most states’ plans that feature the VSP or EyeMed vision networks. All plans include coverage for eye exams and eyewear such as glasses or contact lenses.
Can Employees Have Two Health Insurance Plans?
As healthcare costs continue to rise, many employees may start considering whether two insurance plans would help them lower their expenses. In this HR FAQ, Sarah explains how double coverage works
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