Health Insurance
Offer comprehensive health coverage to your employees through Every.Types of Health Coverage
Every supports multiple health insurance types:Medical Insurance
Medical Insurance
Comprehensive health coverage including doctor visits, hospital stays, prescriptions, and preventive care
Dental Insurance
Dental Insurance
Coverage for routine cleanings, exams, fillings, and major dental work
Vision Insurance
Vision Insurance
Eye exams, glasses, contact lenses, and vision correction procedures
Plan Types
Common medical plan structures:| Plan Type | Description | Best For |
|---|---|---|
| PPO | Flexible network, no referrals needed | Those wanting provider choice |
| HMO | Lower costs, primary care gatekeeper | Cost-conscious employees |
| HDHP | High deductible with HSA | Healthy, savings-focused |
| EPO | Network-only, no referrals | Balance of cost and choice |
Enrollment Process
Eligibility
Determine which employees are eligible (typically full-time employees after waiting period)
Coverage Levels
Employees can choose coverage for:- Employee Only - Individual coverage
- Employee + Spouse - Employee and spouse/partner
- Employee + Children - Employee and dependent children
- Family - Employee, spouse, and children
Premium Costs
Understanding health insurance costs:- Employee Premium - Amount deducted from paycheck
- Employer Contribution - Amount paid by company
- Total Premium - Combined cost of coverage
- Deductible - Amount paid before insurance pays
- Out-of-Pocket Max - Maximum annual cost to employee
Employer contributions to health insurance premiums are typically tax-deductible for the company and tax-free for employees
Health Savings Accounts (HSA)
For employees with High Deductible Health Plans:- Pre-tax contributions
- Tax-free growth
- Tax-free withdrawals for medical expenses
- Funds roll over year to year
- Portable if employee leaves
- Individual: $4,150
- Family: $8,300
- Age 55+ catch-up: +$1,000
Flexible Spending Accounts (FSA)
Pre-tax accounts for medical expenses:- Healthcare FSA - Medical, dental, vision expenses
- Dependent Care FSA - Childcare, daycare expenses
- Contributions reduce taxable income
- Use-it-or-lose-it (some plans allow small rollover)
Managing Coverage Changes
Process coverage changes for:- New hires enrolling in benefits
- Life events (marriage, birth, etc.)
- Open enrollment elections
- COBRA for terminated employees
- Coverage terminations
Benefits Cards
Employees receive:- Insurance ID cards (physical and digital)
- HSA/FSA debit cards
- Provider directories
- Benefits summaries
Claims and Support
Help employees with:- Filing insurance claims
- Understanding Explanation of Benefits (EOB)
- Finding in-network providers
- Resolving billing issues
- Appealing denied claims