For Employers with Group Plans
Dental, Vision, and Wellness ZaneHRA
Save $832-$1,932/year per employee while offering first-dollar coverage for everyday medical expenses
Step 1: Add $1,000/year Dental, Vision, & Wellness ZaneHRA with 100%
first-dollar coverage for dental, vision, wellness, weight-loss, smoking
cessation, co-pays, annual checkup, mammograms, PSA's and other medical
expenses. This encourages employees to stay healthy, and can be a big
incentive when recruiting healthy employees. Most employees are already
spending precious after-tax dollars on these expenses—paying for
them through a tax-free HRA adds 50% or more buying power and encourages
employees to take action.
Step 2 (Optional): Raise the Annual Deductible on your Group Plan $2,500 or more. This will typically lower your annual premium $1,000-$2,000 per employee. Use these savings to fund your Dental, Vision & Wellness ZaneHRA. Save even more by canceling dental and other supplemental plans.
Step 3: Add $2,500-Benefit Zane Accident Medical Coverage covering all expenses in the event of an accident. This will cover the larger deductible gap in the case of an accident at no cost to your employees.
Benefits of a Dental, Vision, & Wellness ZaneHRA
- At no cost to employer, 90% of employees get no-deductible coverage for their medical and wellness expenses, and all employees get 100% coverage in the event of an accident.
- Employees and new hires get first-dollar coverage for what they need to stay healthy—giving you a competitive edge in recruiting new employees.
- Employees get the 100% protection they need in the event of an accident.
- Unhealthy employees pay a manageable amount when they experience an illness but still retain group coverage.
- Company saves $1,200/year per employee and introduces consumer-directed healthcare where employees reap the savings from their behavior.