Endo Ag said:
I'm confused about your plans. They seem to all be geared towards helping with recurring monthly costs. What do they offer for catastrophic medical needs?
Hey Endo,
Thanks for the feedback! Your point of confusion is what we're trying to overcome by testing out which of the 4 prototypes and "approaches" communicates our setup the best.
To answer your question, we're aiming to reinvent small group health benefits. Instead of the employer choosing a one-size-fits-all plan, he or she just offers their employees a fixed reimbursement amount--say $200 or $300 a month. We then help the employee find a health plan that includes his or her doctors, prescriptions, and coverage for their needs (including catastrophic coverage). Any amount left over can be used for medical expenses, doctor visits, prescriptions, etc.
Our hypothesis is by putting it all under a tax-free umbrella and optimizing at the employee level versus the group level, we can save employers money and make employees happier. It works in tests, but it's tricky to explain to folks that are used to choosing a plan for the group--hence the prototypes in this survey.
You can see how we're currently communicating it here:
https://www.takecommandhealth.com/small-business-health-insuranceThanks again!
