ResourcesSmall Business Health Care Hub by JPMorganChase

Evaluate your plan options

Selecting the right health insurance plan is essential for offering valuable group benefits to employees while ensuring financial stability. Thoughtful design is paramount.

Key considerations for evaluating your plan options

Coverage options

Access to essential services empowers a healthier, more productive workforce. Decide whether to extend services beyond standard Essential Health Benefits.

Cost-sharing strategies

Striking a balance in affordability for both employers and employees fosters financial well-being and helps maintain a stable budget.

Network selections

The right network choice ensures employees receive necessary care while keeping costs in check.

Understanding essential health benefits

Health insurance plans typically cover 10 essential categories, relevant to both individual and group plans. Additional services, such as adult dental, vision, weight management, or diabetes programs, may be available at an extra cost.

Essential health benefits include:

Providers' services
Hospital care
Prescription drugs
Maternity care
Mental health services
Emergency services
Rehabilitative services
Laboratory tests
Preventive care
Pediatric dental and vision insurance

Additional services may be available:

Adult dental and vision insurance
Weight management
Diabetes management

Understanding your plan options

with Brandon Batiste, Vice President

There are a few key components to consider when evaluating your plan options, including which services are covered, how costs are shared across you as an employer and your employees, and which doctors and hospitals are available in the plan.

Deciding what services to cover

with Molly Chidester, Executive Director

Determining which services you will cover is a key step in ensuring your plan meets your employees’ needs.

Navigating premiums and out-of-pocket costs: finding the right balance

with Michelle Basta, Vice President

When evaluating group plan options, it's important to look beyond just the monthly premium or employer contribution. To truly understand the value and affordability of a plan, consider the full spectrum of costs for employees, including premiums, deductibles, out-of-pocket cost limits, co-pays and coinsurance.

Optimizing provider networks and geographic service areas for your business

with Evan Cohen, Principal

A crucial element of a health care plan is the network, which comprises the providers, hospitals and other health care professionals available to employees at pre-negotiated rates. Networks differ in their scope, including geographic coverage, types of services and providers covered, which can affect costs. Common network types include: