Sarah loves to make sure that everything runs smoothly at her private school in Amarillo. One part of how she accomplishes keeping things smooth and on track is because she is a steady planner. Which is a great characteristic if you are in charge of a school's operations!
Right now, she's already thinking about next school year. One big thing on her mind is finding an improved health plan for the teachers and staff who tirelessly work at the school. She wants to find health insurance plans that are not too expensive but still have a range of plan options so that everyone can get the care they need. It’s like trying to find perfect substitute teachers during the middle of the winter!
Sarah knows that everyone who works at the school is different. Some are young, and some have been teaching for a long time. Some have families, and some don't. Some never go to the doctor and others have special health care needs.
So, she thinks it's important to know what kind of healthcare providers and services everyone might need. It's like asking everyone what their favorite color is so you can get the right paint for the classroom. But Sarah knows that by understanding what people need, the school can find health insurance coverage that makes most people happy. This helps everyone feel good and want to keep working at the school.
While the teachers and staff love that Sarah is thinking about what everyone needs, she has to think about how much money the school has to spend. Health Insurance premiums don't get paid by themselves.
Schools, just like families, have a budget. Sarah has been given clear direction from her board of directors that while broad coverage is important, finding health plans that the school can afford without spending too much money is also important!
Sarah is always looking for ways to be smart with the school’s money while still making sure she gets great value for it. But defining "good" health coverage can be hard. She knows that the annual cost has to be balanced against securing a great network of doctors, lower cost sharing, and peace of mind.
Sarah knew she had to look beyond just the monthly premium and what the cost of benefits would be when the dedicated teachers had to use their health plans for even basic services.
Sarah understands that there are lots of different ways to get healthcare services in Texas, including paying cash. But she was trying to make sure that she could secure a broad range of services that fell under the plan's guidelines without breaking the bank.
Since some plans let you see almost any doctor you want, while others have a specific network of doctors you can visit, she wanted to not alienate important local physicians. She also wanted to understand the copays, deductibles and max out of pocket expenses that her employees could expect.Sarah is also learning about health saving accounts, which are like special piggy banks just for health care.
When Sarah began to realize just how complicated this all was to map out, she wanted to see if there are plans where people can choose different levels of health insurance coverage. She knew that the younger, single teachers wouldn't use as much health coverage as older families with children. She was trying to find the flexibility while maintaining a sane cost of benefits for all. Which made her think about how the school will actually manage the plan.
Having a health plan for a business or school means there’s some paperwork and administrative things to take care of on a regular basis. No one likes the paperwork and she was looking for an insurance company to relieve as much of that work as possible.
Having an insurance company help with these tasks is like having a helper who organizes all your game pieces so you don't have to! The school can focus on teaching and helping the students instead of spending too much time on health plan stuff.
Sarah wants to make sure the school chooses a plan that follows all these rules so everyone is protected. She likes the idea of private insurance, but she wants to talk to people who know a lot about these rules to make sure everything is done right.
Sarah realizes that there are experts who know a lot about health insurance options, especially for schools. These experienced people can help her look at the range of plan options and find creative solutions that fit the school's budget and give the teachers and staff great coverage.
Sarah decided to reach out to the private school health insurance experts at Insurance For Texans. Our True Texas Education Insurance program includes finding affordable health insurance whether they are traditional or private healthcare plans. Their experts start by asking questions so that they can find the right insurance program for your school no matter the size.
Sarah found her advocate that helped her plan and offer great coverage plan options to her teachers and staff. Our team can work that same magic for you as well.
Click the button below to explore creative group health plan solutions for your school.