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Explaining Health Care Reform to Your Employees

It is finally here. The Patient Protection and Affordable Care Act (PPACA) in all its complication is really happening. 

The latest tracking polls from the Kaiser Family Foundation (source: http://kff.org/health-reform/) indicate that the public’s top two questions about health care reform are:

  1. How much will the law cost me and how is it paid for?
  2. What does the law do and how does it work?

With information and misinformation coming at employees from all angles, it is hard for them to know what to believe, let alone what parts are important to understand.  Employees naturally look to their employers for help.  

For an employer, the question becomes how to respond. As with most things, communication, communication, communication is the key.  Here are 10 tips from the International Foundation of Employee Benefits to assist with communicating the health care reform law to your employees.

  1. Explain ACA simply and concisely. The law and its regulatory guidance are far-reaching, complicated and lengthy. Stick to the basics when communicating with your participants.
  2. Focus on the most immediate changes. Cover what is happening during open enrollment and what changes are coming in 2014.
  3. Focus on the areas that most impact your workers.
  4. Clarify that your workers do NOT need to purchase health insurance through the public exchanges.(Most employers are maintaining their coverage. If you are dropping coverage for some or all of your employees, be explicit in the steps they need to take.)
  5. State the value of your health coverage in dollars per person. You may also include total cost spent by the organization or cost per payroll, but a worker will better appreciate and understand the value when positioned per individual rather than the organization’s perspective.
  6. Remind workers of the health care providers available through your plan.
  7. Inform workers of any existing or changing cost-sharing provisions. Clarify provisions such as deductibles, copayments, premiums, etc.
  8. Explain design changes to your plan due to ACA. Cover changes that may impact your workers including preventive services coverage and elimination of out-of-pocket maximums.
  9. Emphasize your company’s commitment to providing health care in the future.
  10. State why you offer benefits in the first place. Whether it is to attract the best talent, be competitive or to take care of workers, explain to your workers what you offer and why you offer it.

Source: http://www.ifebp.org/News/FeaturedTopics/HCRC/acahowto.htm

For assistance with developing your firm’s personalized communications call us for Assistance at (858) 753-4102.

Robert Recchia, CLU, ChFC
President, California Corporate Benefits, A UBA Partner Firm

Peter Freska, CEBS
Benefits Advisor
The LBL Group, A UBA Partner Firm

 

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