For Employers with Group Plans
Deductible-Gap ZaneHRA
Save $832-$1,932/year per employee while getting 90% of employees better coverage
Step 1: 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.
Step 2: Add $1,000/year Deductible-Gap ZaneHRA with 100% first-dollar coverage for dental, vision, wellness, co-pays, and all medical expenses. Most employees effectively get a $1,000 tax-free raise at no cost to you, and new healthy employees have an additional reason to join your company. 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 Deductible-Gap ZaneHRA
- 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.
- 100% of employees get wellness, dental and preventative care and no Deductible for accidents, 90% receive more cash benefits, and employers and employees save $500 per employee.