wislndixie
Expert
One thing we've done for 3 of our clients that were ready to drop their coverage was to offer a group "limited medical". So far it has worked Ok. We did spend alot of time making sure that employees understood that this was not "major medical" and was limited benefit only. We also had them sign an acknowlegment that they were now in a limited medical program. The premiums were low enough that the employer still paid part of the premium. We've also had a couple of groups switch to a higher deductible and out of pocket and the employer fund the difference through a 125 plan when and if an employee exceeds the old deductible and OOP..Just a couple of ideas. Additionally, we've switched to offering and administering self-funded dental plans. These are working terrific and saving employers and employees money.