Health Insurance Checklist for Employers

At Highmark, we put your employees' health at the center of everything we do. We want you to find the best health plan for your employees, and we offer tailored solutions to ensure that your employees get the high-quality care they need at a price that fits your budget.

With Highmark, you receive coordinated coverage, improved health outcomes, and affordable services. Here’s what to consider before making a choice.

How to Pick the Best Health Plan for Your Employees

When you're ready to buy health insurance, you need to understand:

Your industry

What challenges are associated with your industry? What risks? The same health plan might not make sense for a corporate office and a manufacturing facility.

The size of your company versus number of covered employees

When comparing health plans, consider the number of employees that need coverage, as well as their demographics and care needs. For example, you may only want to offer coverage for full-time employees

Coverage for employees' families or dependents

You will probably be covering more than just your employees. Are your employees mostly unattached millennials? Do your employees have growing families? Do they care for any disabled or older family members? These situations could affect your selection.

Location, location, location

Are most of your employees in one location, or are they spread across multiple ZIP codes or states? You may want to pick different group benefits based on employees’ locations, desired regional provider networks, and other criteria.

While Blue Cross Blue Shield coverage is nationally accepted, there could be regional aspects to consider when it's time to enroll your company. Many of our health plans also offer global benefits.

Provider network options

Highmark's network includes access to quality care through a number of health systems and provider partnerships. Is out-of-network coverage important to your employees?

Monthly premiums versus out-of-pocket costs

A lower premium often means higher out-of-pocket care costs. And a higher premium often comes with lower out-of-pocket care costs. How would you prefer to balance costs with your employees?

Considering this checklist is a great place to start, but sometimes there’s no substitute for speaking with an expert. We’re always available to help you evaluate which health insurance options are right for your companies' needs. Contact a Highmark representative today.

Stay Connected

Help your employees take advantage of all their health plan has to offer, including our member portal, online tools, and member discounts.

CONNECT WITH US

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are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.

Important Legal Information: Health benefits or health benefit administration may be provided by or through Highmark Blue Shield or one of its affiliated Blue companies, which are independent licensees of the Blue Cross Blue Shield Association. Highmark Inc. d/b/a Highmark Blue Shield and certain of its affiliated Blue companies serve Blue Shield members in the 21 counties of central Pennsylvania. As a partner in joint operating agreements, Highmark Blue Shield also provides services in conjunction with a separate health plan in southeastern Pennsylvania. Highmark Inc. or certain of its affiliated Blue companies serve Blue Cross Blue Shield members in the 29 counties of western Pennsylvania, 13 counties in northeast Pennsylvania, the state of West Virginia plus Washington County, Ohio, and the entire state of Delaware. Information on this website is issued by Highmark Blue Shield on behalf of its affiliated Blue companies.

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The information contained on this website regarding the Patient Protection and Affordable Care Act of 2010 (“PPACA”), as amended, and/or any other law, does not constitute legal or tax advice and is subject to change based upon the issuance of new guidance and/or change in laws.

The information provided is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. State laws and regulations governing health insurance and health plans may vary from state to state. Further, any information regarding any health plan will be subject to the terms of its particular health plan benefit agreement and some health plans may not be available in every region or state.