*This article was last updated March 11, 2019
Core medical coverage may be your company's top priority to fulfill insurance needs — but what about incorporating additional medical benefit coverage to the mix? According to the Society of Human Resource Management, extra medical coverage options are seen as way to differentiate your business to keep — and attract — valuable employees. Additionally, the Employee Benefit Research Institute highlights dental and vision coverage as the most important coverage behind health insurance and retirement plans for your employees.
Did you know that 1 in 2 adult Americans have at least one chronic condition? On top of that, 90 percent of diseases show signs and symptoms in the mouth, and more than 30 conditions show symptoms in the eyes. This means dental and vision coverage aren't just nice-to-haves — they can be key to early detection and treatment.
90 percent of diseases show signs and symptoms in the mouth.
More than 30 conditions show symptoms in the eyes.
32 percent of adults believe their finances are a limitation to a healthy lifestyle (e.g. gym membership, meal system, health coaching, etc.)
20 percent skip medical coverage due to financial concerns.
64 percent couldn't cover a $1,000 emergency.
Sources: American Psychological Association Stress in America, 2015, Career Builder online survey by Harris Poll, 2017, KnowYourTeeth.com, Business Insider.
Why should I offer added medical benefit coverage for my employees?
It’s simple — both current and prospective employees are looking for the best of the best from employers. More than half of employees in the workplace would rather work for a company that offers comprehensive benefits — as opposed to only core medical coverage and slightly higher salaries.
Tailor your coverage to what your employees want to live healthy — and affordable — lifestyles. Don’t risk losing current or prospective employees to competitors because of incomplete benefits packages.
What added medical benefit coverage does Wellmark offer?
Wellmark is committed to providing the very best to their members through a suite of value-added extras to include with your core medical coverage benefits.
The value of adding Blue DentalSM
The power of Blue Dental benefits plus medical coverage is clear: 9 out of 10 groups renew their Blue Dental coverage each year. When you combine your medical benefits with Blue Dental, you reap the rewards: Streamlined administration for you, seamless experience for your employees, rates and benefits for everyone. Plus, routine dental care can detect symptoms of larger health concerns, like diabetes or heart disease.
The choice is clear: Vision coverage could be your company's competitive advantage.
According to the Vision Council, more than 188.7 million Americans are wearing some form of vision correction — that’s 3 out of every 4 employees within your own workplace!
Avesis Vision benefits combined with your Wellmark medical coverage is a win-win. Unique benefit options coupled with big savings on frames, lenses and other services mean that your affordable premiums pack maximum value. And, with Iowa and South Dakota’s largest provider networks, employees are sure to find a health care provider who will meets their needs.
WageWorks® Flexible Health Care Accounts
With consumer-driven benefit accounts, your employees will be able to take charge of their finances. These accounts, like a health savings account (HSA), health reimbursement arrangement (HRA) or a flexible spending account (FSA), can assist your employees in proactive budgeting and planning for upcoming costs.
Managing your benefits just got easier.
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- Avesis Vision is an independent vision insurance company that does not provide Blue Cross and Blue Shield of Iowa products and services. Avesis Vision is underwritten by Fidelity Security Life Insurance.
- WageWorks® is a provider of consumer-directed benefits (CDBs) in the United States. WageWorks does not provide Wellmark Blue Cross and Blue Shield products or services. © 2018 WageWorks, Inc. All rights reserved. The term “savings” herein refers only to tax savings and actual savings are dependent on individual tax rates. No part of this document constitutes tax, financial, or legal advice. Please consult your advisor regarding your personal situation and whether this is the right program for you.