Employees have unique healthcare needs. Some are savvy, frequent consumers while others rarely see a provider or fill a prescription. As a small business owner, this diversity makes offering health benefits confusing. To help understand what types of healthcare consumer your employees are, and what type of health benefits they value, we’ve developed a short quiz.
Quiz - What Type of Health Benefits Consumer are You?
Take the quiz, then read on below to learn how to customize your employee health benefits to fit the unique needs of your workforce.
6 Styles of Health Benefits Consumers
1) Nonchalant Consumer
When it comes to healthcare, you don’t visit the doctor often. You don't think about healthcare too often, but when you do you're cost-conscious.
When it comes to health benefits, you are satisfied with what your employer offers, as long as the price is right. You tend to purchase lower-coverage and higher-deductible health plans.
2) The Happy Patient
When it comes to healthcare, you trust your doctor to provide the best medical care. You generally follow their recommended care plan and are satisfied with the healthcare system.
When it comes to health benefits, you are generally happy with the benefits your employer offers, as long as your doctor is in-network and the coverage is good.
3) Independent, Online Shopper
When it comes to healthcare, you are generally happy with the care you receive. At the same time, you are open to new treatments and value informed health decisions.
When it comes to health benefits, you want the best value for your money and appreciate being able to customize your health plan.
4) Alternative, Cost-Conscious Shopper
When it comes to healthcare, you prefer the road less traveled. You are open to trying alternative and customized care solutions and may utilize non-traditional providers.
When it comes to health benefits, you value customization and being able to select a health plan that covers specific providers and services; rather than a one-size fits all health plan. You’re open to new ways of receiving health benefits such as Defined Contribution Health Benefits.
5) Savvy, Frequent Consumer
When it comes to healthcare, you see the doctor more than your peers, but you’re savvy too. You partner with your doctors to come up with the best care plan, and you have a better understanding of health insurance than most.
When it comes to health benefits, you value a high level of coverage and manageable out-of-pocket costs. You also value stability in health plans.
6) Smart Bargain Hunter
When it comes to healthcare, you value price transparency and affordability. You are happy with your doctors and care, but are also open to new technologies, treatments, and medications; especially if that means more value.
When it comes to health benefits, you value options, affordability, and flexibility. You’re willing to put in a little more effort to learn about health insurance options, if it means getting a better value or better care.
When it comes to healthcare and health benefits, each employee has their own set of values. By understanding what employees value in healthcare and compensation, you can offer more attractive and valuable health benefits.
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What type of health benefits consumer are you? Was the quiz accurate? Why or why not? Let us know in the comments.