Navigating Healthcare Plans in 2024: What You Need to Know

Healthcare Plans Indigo Partners Navigating 2024
As you navigate healthcare plans in 2024, staying informed and proactive is essential. The healthcare landscape is evolving at a rapid pace. With ongoing changes in legislation, advancements in medical technology, and shifting demographics, you can make informed decisions that prioritize your health and financial well-being in the coming year.  A few key factors to be on the lookout for are:

Telehealth Services

 
Telehealth has become an integral part of healthcare delivery, especially in light of the COVID-19 pandemic. In 2024, expect continued growth in telehealth services. At Indigo Partners, several of our unique healthcare plans include telehealth options that gives you access to virtual health services.  Whether it be lack of transportation, conflicting personal schedules between the client and health professional or just no longer feeling comfortable in public settings, a virtual option is a great perk to have when choosing insurance coverage.

Cost Considerations

 
Healthcare costs are expected to grow 7% in 2024 due to rising pharmaceutical expenses driven by specialty drugs and insurers increasing rates. This includes not only monthly premiums but also deductibles, copayments, and out-of-pocket maximums. Indigo Partners takes pride in offering healthcare plans that are accessible for your business. We have 3 different options to choose from. 

:Basic Plan– $0 Telemedicine and Telemental Health visit fee, prescription savings and discounted lab testing, imaging and CT scans.

:Signature Plan Includes the Basic Plan, plus dental, vision, diabetic supply, vitamin and hearing aid discounts along with health advocacy and medical bill saver.

:Premiere Plan– All Basic and Signature Benefits, plus financial wellness, online wellness (fitness and health), caregiver package, legal services and pet care discounts.

 

Fully Insured vs. Self Insured

 
Fully insured and self-insured are two distinct approaches to managing health insurance and other types of insurance benefits in 2024. In a fully insured plan, an organization or individual purchases insurance coverage from an insurance carrier, paying a fixed premium to the insurer. The insurance carrier assumes all the financial risks associated with the policy, including claims and administrative expenses. In a self-insured plan, the organization takes on the responsibility of directly funding its employees’ healthcare expenses and assumes the financial risk for these costs. The organization may choose to work with a third-party administrator to handle claims processing and other administrative tasks, but the ultimate financial burden lies with the organization itself.

By offering several different national network healthcare plans, Indigo Partners makes sure you are matched with the best, most affordable insurance benefits package available in 2024 for your company and its employees. Contact us today to get a quote on your health insurance options!

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