Drew Bowker

HR Advisor

32 articles

What are the benefits of my company offering vision insurance to employees?

Offering some form of health insurance is, more or less, a must these days, especially since the Affordable Care Act mandated that employers with 50 or more full-time employees provide it or pay a penalty fee. The law doesn’t extend to adult vision insurance, so it is up to individual companies whether they offer an […]

What does dental insurance reimbursement mean for the employee?

It means employees will have to pay for their dental costs but will later be reimbursed for their dental expenses, typically through a direct reimbursement insurance plan. Some employers offer direct reimbursement dental insurance plans, also known as fee-for-service or indemnity plans. For these type of plans, an employee will often be responsible for paying […]

How do we extend insurance for our expatriate employees?

The first thing you should do is check with your insurance carrier, as they ultimately determine whether the plan you have will extend abroad. Next, consider some of the issues that factor into extending insurance to expatriates: Health Insurance – Affordable Care Act Under the Affordable Care Act, United States citizens working abroad must maintain […]

What percentage of companies offer vision insurance?

Just 35% of employers offer vision insurance to their employees–and the problem, it seems, is one of perception. Health and vision in numbers: Size matters when it comes to health coverage. Virtually all employers with 1,000 or more workers offer health-related benefits to some or all of their employees; for smaller companies (3 to 9 […]

What is an employee’s dental plan maximum?

The short answers is that an employee’s dental plan maximum is the maximum amount of money that can be used use during the year for dental procedures. Maximums Can Have Different Limits Depending on the Plan: Many dental plans offer a maximum limit in the range of $1,000 to $1,500 per year. Since the average […]

Does my company need to offer dental coverage under the Affordable Care Act (ACA)?

In short, no. Your company is not required to offer dental coverage for adults under the ACA. Pediatric Coverage: While you’re not required to offer vision coverage for your adult employees, you may be required to provide it for any children under 19, including family members of your employees. Your company is allowed to have […]

What do dental policies usually cover, e.g., preventative care, filling cavities, orthodontics, cosmetic dentistry?

Most dental plans cover all of these kinds of dentistry except for cosmetic surgery. Plans will mainly differ in the amount of coverage for each service and in how you will pay for what isn’t covered. Depending on the type of plan, an employee may have a co-payment, co-insurance or a specific dollar amount to […]

Does my company need to offer vision coverage under the Affordable Care Act (ACA)?

In short, no. Your company is not required to offer vision coverage for adults under the ACA. Pediatric Coverage: While you’re not required to offer vision coverage for your adult employees, you may be required to provide it for any children under 19, including family members of your employees. Your company is allowed to have […]

Do any group health insurance plans cover acupuncture and chiropractics?

Yes, there are certain plans that cover acupuncture and chiropractic care. If it is not already included in the current plan, the employer can reach out to the health insurance broker to see if it can be added as an additional rider plan. Bookmark(0) Please login to bookmark

Does it help my company to set up commuter benefits?

Commuter benefits allow employees to take advantage of tax laws to divert pre-tax income to help cover the costs of commuting to and from work. Employers benefit because they create an incentive to attract and retain employees. Employers also benefit because every dollar that is deferred by employees to commuter benefits reduces the payroll taxes […]