For many employees, benefits can seem stressful and complicated. In fact, a recent survey reported that "48 percent of employees would rather do something unpleasant, such as talking to their ex or walking across hot coals, instead of completing their annual benefits enrollment."
With the right advice and experience, selecting benefits doesn't have to be aggravating or frustrating. When you choose Gravie for your benefits, employees automatically get Gravie Care at no cost. Gravie Care comes with a team of friendly, licensed advisors. They have one goal in mind: to make your life easier. They do this by taking care of all the stuff you and your employees dread. Things like calling the insurance company and researching to find answers. They’re passionate about helping people, and they’re waiting to help you.
What do employees ask us about most often? Read on to find out:
Which plan is right for me and how can avoid paying more than I should?
With our Smart Tech and Human Touch approach, Gravie Care advisors can work with your employees to find the best available plan, taking into consideration costs, care providers, clinics, services and much more. We'll have a straightforward, jargon-free conversation about the employee's needs and make sure they understand their unique best path.
How much will my prescription cost?
After employees give us the name of their prescription(s) and the pharmacy they prefer, we’ll search through plan details to check the “tier” to determine its cost. When shopping for coverage, a lot of our members narrow down their options to 2-3 plans and then call the Gravie Care advisors to do some extra research. We’ll help choose a plan based on their prescription coverage needs.
Am I able to see my current doctor?
It depends on whether or not that doctor is within the plan’s network. Employees provide the doctor’s name and location, and we’ll confirm that their in or out of network. The same goes for specific types or brands of clinic locations.
How much will a specific surgery or procedure cost?
First, advisors will verify that the surgery or procedure is covered by a plan. If it is, they’ll look at the plan’s nitty gritty details to determine its cost. They’ll also verify that a doctor and facility are in-network, as well as any medications, physical therapy and/or other follow-up care.
What other products does Gravie offer?
In addition to health insurance, Gravie offers dental insurance, vision insurance, supplemental medical insurance, life insurance, and health savings accounts (HSAs). We're here to help employees shop for a total, custom benefits bundle.
Should I select an HSA?
A health savings account (HSA) is a way to set money aside to spend on eligible healthcare costs. Money contributed to the account is tax deferred and can be used on things like glasses, hearing aids, acupuncture, dental treatments, and more. After we get some basic information, we help employees determine if an HSA is a good fit. If an employee is interested in opening a HSA or continuing to contribute to one they already have, we’ll help confirm that a health plan is HSA eligible and how to proceed with the best selection for the employee's needs.
How much does is cost to use Gravie?
Employers pay a fee for each eligible employee, but employee members and their families pay $0 for Gravie Care. This means employees have a real human advocate in their corner when they need it, year round.
What should I do? I don’t understand my medical bill.
Gravie advisors are typically able to walk through your bill over the phone. If we need to do a little digging, we connect with the insurance company or the facility where the appointment took place to make sure everything was billed correctly. If we find there was an improper bill, we take the necessary steps to correct the problem and get an updated bill. In other words, we take away the headache of complex bills.
Employers and employees love the service they get from Gravie Care. If you're interested in learning more about how you can get started with Gravie for your employees, contact us today or download the ebook below. Gravie is standing by to help!