If you’re a Florida small business owner, you want to take good care of your team and keep your operating costs down. It’s possible, and Bluewater Family Wellness can help. Here are some benefits of group health plans, and how our direct-pay healthcare services can set your wellness benefits program apart.
Benefits of Employer-Sponsored Health Plans
Employer-sponsored health plans aren’t literally “discounted”. But that’s a common framing, thanks to their relative affordability (compared to individual plans). There are many benefits to group health coverage for employers and teams, including:
- Cost Sharing: Because employers pay the majority of the premium costs, healthcare expenses are kept lower for their team members who opt for group coverage for themselves and their families.
- Purchasing Power: When companies cover their employees, that group creates a larger “risk pool.” Because risks are distributed more widely among larger groups, employers and benefits specialists can more effectively negotiate to lower premium rates. Such negotiations are often much more challenging (if it’s possible at all) when people are buying their own health coverage.
- Tax Advantages: Both teams and employers get tax advantages from employer-sponsored health plans. When employees use payroll deduction to pay their premiums, their overall taxable income is lower. Employers’ premium contributions are a tax-deductible business expense. [Note: tax laws and tax breaks change frequently. There may be healthcare-related benefits your business/family can use that you’re not aware of. Check with your tax professional to ensure you’re getting the best possible deductions as a business or employee each year.]
The Bluewater Difference: Affordable Healthcare, Direct to You
If you’re considering supplementing or building a more innovative, affordable group health plan, Bluewater Family Wellness is a great option. We provide direct primary care services for adults and children, with a focus on personalized care. Our services are direct pay, which means families don’t have to rely on insurance determinations for adult or pediatric primary care. Our patients love the accessibility of our doctors and the predictability of their budgets. They know what to expect from month to month, and can reach their care team via text, patient helpline, and more.
Our direct-pay model isn’t the only way we help employers and their teams keep healthcare costs down. We know the value of good healthcare even when you’re feeling well. Preventative care, healthy lifestyle support, and a whole-body approach to wellness have all been shown to lower healthcare costs.
Get Your Healthcare Questions Answered
If you’re an employer with questions about how our health plans work, or an individual looking to supplement your existing coverage with direct-pay health services, our team is here to help. We can talk you through what’s included in our plans, what to do once you enroll, and how to get the most from your membership. We know that affordable healthcare is life-changing (and can be life-saving) for children and adults from all walks of life. Contact us today to learn more about what makes healthcare with Bluewater Family Wellness a top choice for Clermont families.