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One way to maximize the usefulness and value of a group health policy is to add what are referred to as "ancillary" coverages. These add-ons to a group health policy can be a very effective way of adding benefits to a group health plan without a great deal of additional premium. Ancillary coverages typically include dental, vision, disability and term life/accidental death and dismemberment benefits.

Whereas a typical employer may pay particular attention to the deductible and co-pay provisions of a group health plan, ancillary benefits are not always addressed. The best plan may incorporate a somewhat higher deductible and/or co-pay provision along with a substantial ancillary benefits package. The focus is on providing coverage for the employee for any major accident or illness while also extending benefits to help with many of the smaller health related expenses an employee is likely to incur.

To whatever degree an employee is asked to participate in the cost of the group health plan, ancillary coverage may be the most useful and visible benefit of the plan.
Posted 12:12 PM

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