Black Ink Benefits firmly believes that one of the largest problems with the healthcare industry is the gap between the consumer and the end result. Most employees are shielded from the true costs and processes at work in their healthcare plans and other benefits, and as a result, have no conception of being a consumer in this marketplace.

As a firm, we make it a top priority to educate and train employees on how underwriters underwrite risk and how their premiums are created. This pulls the curtain back and empowers employees to make educated, consumerist decisions about how their healthcare dollars should be used.

Employee Training Breakdown:

We first make sure to understand the culture and demographics of your employees, and adjust our training accordingly to be best received by the audience.

Then, we begin by educating employees on their basic benefits, such as:

• What is their deductible
• What is their out-of-pocket maximum
• What is their coinsurance
• What are their physician and prescription copays
• Wellness benefits
• Additional benefits (Aflac, Colonial Life, H.R.A., F.S.A., H.S.A.)

We then break down and explain the underwriting process to help employees understand the way that their costs are determined. We also share helpful consumer tips that employees can use to lower their costs, and clear up any misconceptions about how their plans work.

Following this, we teach and train the importance of wellness and the staggering effect it has not only on their overall health, but the direct effect it has on their yearly costs.

After the initial training has been completed in person, our team also creates customized benefit training videos for employees to help explain all of the above when our team isn’t there.