When it comes to choosing health insurance for medical care, many people choose plans based on the costs of premiums and out-of-pocket expenses. However, sometimes surprise medical bills may have unexpected costs that may not be covered by insurance companies. In fact, a 2015 Consumer Reports survey estimated that 1 in 3 adults received surprise medical bills during the previous two years with private health insurance. Here are several examples of the types of surprise medical bills you may be hit with if you do not choose the right medical insurance policy for your needs, along with a few tips so you cope with the unexpected.
Voluntary benefits are types of insurance benefits that people can obtain to cover different aspects of their lives. Voluntary benefits are often offered through employers, and employees can have the money for the insurance benefits deducted from their payroll. If you are married with children, here are some voluntary benefits that you need to have.
Dental
Dental is considered a voluntary benefit. Although many employers will advertise medical and dental as a package deal, they are generally separate.
If your business is growing faster than you expected, this can lead to a need for more employees. While you may want to hire more to do the work for your company, you may want to avoid having to hiring more individuals to manage your payroll, taxes, and insurance needs. These are duties typically left to human resource (HR) employees in a company, but you can also outsource them. One way to do this is to hire a professional employer organization (PEO) to do these tasks for you.
