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Barry Mount

Traditionally, only full-time employees receive health insurance from their workplace—it’s built in as a component of their compensation. But as hospitals are largely staffed with part-time and casual employees, this results in a large portion of the workforce going without adequate health insurance.

However, there is a way to offer these critical employees with the health and dental coverage that they want and need.

Why You Should Offer Health Coverage for Part-Time and Casual Employees

Most hospitals rely on part-time and casual employees for their success. In fact, these employees usually make up 50% of the entire workforce. But many job seekers are only interested in seeking out full-time positions as they allow for healthcare benefits, making these part-time positions often difficult to fill, especially with adequately skilled workers. When you must protect yourself and your dependents from illnesses and ailments, health coverage becomes a critical necessity—not just a bonus.

Aside from base pay, workers are most interested in the additional benefits offered in their compensation packages, in particular, health benefits. Giving your part-time and casual employees the chance to enroll in group health insurance can allow you to attract the best talent in the medical field. It can give you a competitive edge and allow you to offer a unique incentive to prospective employees.

Offering benefits to part-time and casual workers can also improve employee retention. Your part-time employees won’t be seeking out full-time job opportunities with other organizations in order to get the health insurance that they need. This can drastically reduce your turnover and help you save on the costs of recruiting, hiring, and training. As your workforce is your biggest expense, any reduction in costs can have a positive result on your bottom line. Offering health insurance can also significantly improve productivity and morale as your workers won’t be distracted worrying about rising healthcare costs and hefty medical bills for themselves and their family members.

But as group health insurance is typically only available to full-time employees, how can you give your part-time and casual hospital employees the health coverage they need? Through voluntary benefits.

Offer a Voluntary Benefits Plan

You are not limited to offering a traditional group benefits plan to your workforce. You can set up an alternative voluntary group benefits plan that your part-time and casual employees can enroll in.

Under such a program, these workers will be able to enroll in some level of coverage that will be guaranteed for them and their dependents, regardless of current health. There are several levels of coverage under these voluntary plans, which include extended health benefits like vision care, paramedical services, out-of-country coverage, medical equipment and supplies, and pharmaceuticals. Other plans, available to employees who work 18 hours per week or more, also include long-term disability insurance, life insurance, accidental death, disease, and dismemberment insurance for those who are eligible. Your plan members can also choose whether or not to opt for basic or enhanced dental coverage.

The Benefits of a Voluntary Benefits Program

Setting up a voluntary benefits program, like the Health Care Providers Group Insurance Plan, requires virtually no administrative involvement from your HR department. The benefits company will handle all of the work, and thus, you will not be burdened by administrative hassles that could take up a significant amount of your time and resources.

Furthermore, there are different benefits plan types and multiple options to choose from, ensuring an option that meets your goals and your employees’ needs. Your employees would completely fund their own benefits, at no cost to you, making it an excellent option to offer your workers the health insurance they need without hurting your bottom line.

Everything You Need to Know about Group Benefits & Insurance

Barry Mount

Barry has 33 years of insurance experience and has spent 27 years specializing in employee benefits. He has a CLU (Chartered Life Underwriter) designation and is a current and past member of Advisory Boards. When he’s not working, Barry is happiest sharing time with his spouse, children, and grandchildren, while fitting in many great times with friends. He loves to travel and finds great pleasure in the time he spends giving back to his community through his involvement with the Rotary Club of Whitby-Sunrise.
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