Read more of your interests, read less insurance paperwork
Ditch the paperwork with Plum's group health insurance
Click here to know how Plum helps 3000+ HRs ➝

When you start a new job, your health insurance is the last thing you want to worry about. Not only will this protect you financially if something goes wrong, but it's also important to know what coverage is available to you and your family. In this blog post, we'll outline the most important questions to ask when reviewing health insurance benefits and explain how extensive the provider network typically is. Finally, we'll discuss how your company might offer rewards programs or other perks to help make healthcare more affordable and convenient.

Only accept a new position after reviewing your employer's health benefits package. 

Regarding health insurance, it's essential to be aware of all available options. That's why reviewing your employer's health benefits package is necessary before accepting any new position. Make sure to read every detail and pay attention to the coverage and benefits offered. If you plan on staying with your current employer for a while, make sure to start saving money for your health insurance plan as soon as possible. Doing so will make the transition to health coverage a lot easier when the time comes! 

Is there a waiting period for coverage? 

Insuring your new employees is essential for the health and safety of everyone involved. To make sure coverage is started as soon as possible, here are some key points to keep in mind: 

- New employees must be insured as soon as possible after being hired. 

- If you've worked with an organisation for a long time, you might get coverage immediately. 

- New insured employees should know about specific benefits, like maternity care and mental health insurance options. 

- Make sure to ask your human resource department if there are any special waiting periods or requirements before starting your coverage! 

Is my family covered, and what will that cost me if not? 

As the health insurance market has continued to change, so has the available coverage. If an employer-sponsored health plan likely, covers your family, you're already eligible for coverage. If your family doesn't have employer-sponsored health coverage, or if your coverage isn't through the NHIS, now is an excellent stage to find a policy that meets your needs.

Contact a health insurance advisor if you still need to figure out your coverage or have questions. 


Do employees have the option not to use the company's health care? 

Employees have several health care options, even if their employer does not insure them. If they are not satisfied with the coverage or service they receive through the company health plan, they may be able to switch to a competing plan. In most cases, employees must use company health care even if their employer does not insure them. However, employees who do not have insurance through their job can still enrol in government-sponsored health insurance plans or purchase private health insurance on their own. Employers need to inform their employees about these options so that they can make an informed decision about participating in company-provided health care. 

Can I take a look at the specific coverages of the health plan? 

Understanding the health plan options available to newly insured employees is essential. This way, you can find the coverage that best suits your needs and budget. The plans available vary, so it's necessary to investigate thoroughly. For example, you might be eligible for a health insurance discount if you enrol early in the year. In addition, take the time to find out about the health benefits that are covered. This will help you make informed decisions about your coverage and save money in the long run. Reviewing your coverage options ensures that you're getting the best possible care.

Does your company offer tax-advantaged reimbursement plans? 

Employees who have just become insured may wonder about their company's health insurance policy. In most cases, companies offer tax-advantaged reimbursement plans for newly insured employees. This means that the employee's cost of coverage is reduced, and they may receive a higher take-home pay as a result. Enrollment in a plan is easy – ask your HR department! 

Are there services to help me understand the benefits/bills I receive to help reduce costs? 

Newly insured employees are likely wondering many things, like what their health benefits will cover and how they can reduce their costs. Fortunately, various services are available to help employees understand their benefits and bills. Employees can improve their satisfaction and retention rates by using these resources. In addition, by being proactive and asking questions, employees can reduce their time on insurance-related tasks. So, what are you waiting for? Start taking advantage of these helpful resources today! 

Does your company offer rewards programs? 

Insuring employees is the best thing a company can do for its bottom line. Not only do they provide a financial safety net, but they can also lead to health and wellness benefits for the entire workforce. That's why it's essential to ensure your company offers rewards programs that include qualifying insurance coverage, like maternity leave and medical expenses. In addition to providing employees with a sense of security and well-being, these programs can help to increase productivity and retention rates. 


How large does the plan offer the provider network? 

It's essential to know the benefits newly insured employees are entitled to. An extensive provider network is one of the benefits that you'll want to ensure you have access to. The plan may also cover your out-of-network expenses, so ask about this feature. Make specific the provider network within your geographic area before selecting a plan. 


To ensure that you are making the healthiest decision for you and your family, it is essential to understand your employer's health benefits package. Not only will this give you peace of mind, but it may also help you save money on health care expenses. For more information on these and other benefits, check out our website.