dwayne smith’s Post

Did you know that only 36% of Americans can cover an unexpected $400 expense, including healthcare costs? That an average individual health insurance deductible of $1,669 which is 4 times what most Americans can afford. Let's work towards improving financial preparedness and access to healthcare. As an employer, if you are not being intentional with your offerings, it’s time we get together and develop a game plan. Let’s chat! #FinancialHealth #HealthcareAffordability #PowerOfWe

Challenge:  Providing healthcare benefits to a growing team has become increasingly challenging due to rising costs and the complexity of finding a plan that suits both W2 employees and 1099 contractors. Your employees need access to quality healthcare that includes their preferred doctors and specialists, but finding a cost-effective solution that offers flexibility has been a struggle. Solution: Clearwater Health Plan Key Benefits Affordable Healthcare:  Clearwater offers healthcare plans that are designed to be budget-friendly, making it easier for you to provide a valuable benefit to your employees without compromising the financial health of your agency. With an average annual family savings of $10,000, this plan helps you retain top talent by offering a competitive benefits package. High-Quality Care:  Over 90% of doctors and specialists in your area are in-network with Clearwater, ensuring that your employees can continue seeing their preferred healthcare providers. This access to trusted medical professionals helps keep your team healthy, reducing sick days and improving overall job satisfaction. Flexible Enrollment:  Clearwater’s open enrollment policy allows your employees to enroll in a healthcare plan whenever it’s convenient for them, rather than being restricted to a specific enrollment period. This flexibility is particularly beneficial for your mix of full-time and independent contractor workers who may have different healthcare needs throughout the year. Designed for Self-Employed and 1099 Workers:  Clearwater’s plans are tailored to meet the needs of self-employed individuals and independent contractors, making it an ideal choice for your insurance agency. Whether your employees are W2 or 1099, they’ll find a plan that fits their personal and professional situation. Positive Feedback:  With over 300 five-star Google reviews, Clearwater has a strong reputation for customer satisfaction, giving you confidence that your employees will have a positive experience with their healthcare plan. Outcome:  By partnering with Clearwater Health Plan, you can offer your insurance agency employees a healthcare option that is affordable, flexible, and high-quality. Your team feels appreciated and secure knowing they have access to the healthcare they need, which in turn boosts morale, productivity, and loyalty. Additionally, the significant savings on healthcare costs allow you to reinvest in your business, whether it’s expanding your services, upgrading technology, or offering additional training and development opportunities to your staff. This scenario shows how your insurance agency can provide a competitive healthcare plan that meets the diverse needs of your employees while maintaining financial stability and enhancing your business's overall success. Book an appointment to see why your healthcare needs needs aren’t being met. https://lnkd.in/gTzgCCQJ

learning the #healthcare lingo is critical in solving for the administrative complexities and waste that exist in our health system today. which by the way is costing us #billions of #dollars top takeaways from a 2 minute read: - limited and sample data views of healthcare expenditures do not provide the full picture impacting #costmanagement capabilities - this knowledge enables #plansponsors to have greater control and understanding of the #selffunded health plan to 4C Digital Health it's all about #clarity #cost #control #compliance

Wondering about your health plan's doctor choices? Simply put, in-network is more affordable, while out-of-network might be pricier. HMO, EPO, POS, and PPO have varying rules – some need referrals, some don't. Read our latest blog to make sense of your healthcare decisions.

Wondering about your health plan's doctor choices? Simply put, in-network is more affordable, while out-of-network might be pricier. HMO, EPO, POS, and PPO have varying rules – some need referrals, some don't. Read our latest blog to make sense of your healthcare decisions.

Wondering about your health plan's doctor choices? Simply put, in-network is more affordable, while out-of-network might be pricier. HMO, EPO, POS, and PPO have varying rules – some need referrals, some don't. Read our latest blog to make sense of your healthcare decisions.

Wondering about your health plan's doctor choices? Simply put, in-network is more affordable, while out-of-network might be pricier. HMO, EPO, POS, and PPO have varying rules – some need referrals, some don't. Read our latest blog to make sense of your healthcare decisions.

Wondering about your health plan's doctor choices? Simply put, in-network is more affordable, while out-of-network might be pricier. HMO, EPO, POS, and PPO have varying rules – some need referrals, some don't. Read our latest blog to make sense of your healthcare decisions.

Wondering about your health plan's doctor choices? Simply put, in-network is more affordable, while out-of-network might be pricier. HMO, EPO, POS, and PPO have varying rules – some need referrals, some don't. Read our latest blog to make sense of your healthcare decisions.

Wondering about your health plan's doctor choices? Simply put, in-network is more affordable, while out-of-network might be pricier. HMO, EPO, POS, and PPO have varying rules – some need referrals, some don't. Read our latest blog to make sense of your healthcare decisions.