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SURPRISING HEALTH BENEFITS YOU CAN FIND ON THE INDIVIDUAL MARKET
Published
August 30, 2023
By SureCo
August 30, 2023
3 Minute Read
When you’re in charge of your company’s health benefits plans, you want the most
cost-effective solution for the business, but you also want to make sure your
employees get the great coverage they deserve. With an Individual Coverage
Health Reimbursement Arrangement (ICHRA), you can have both. ICHRAs help
companies save on double-digit renewal rates with group plans and allow
employees the ability to choose customized plans tailored to their specific
needs from the individual market. While some people still believe individual and
family plans don’t provide the same coverage as traditional group plans, we’re
here to tell you that is 100% false. With proper communication, your employees
will be happy to learn that plans on the individual market now offer a wide
array of benefits that extend beyond the conventional. Below, we take a look at
some of the surprising benefits found on the individual market.
1. In-Vitro Fertilization (IVF): IVF is a medical procedure that can be
life-changing for couples struggling with infertility. Depending on your
state, many individual market plans, including United Healthcare, Aetna,
Cigna, and Blue Cross Blue Shield can all potentially provide coverage for
IVF treatments. This is a significant step forward in recognizing the
importance of reproductive health and offering support for those seeking to
start or expand their families.
2. Gastric Bypass and Weight Loss Surgeries: Health insurance plans on the
individual market have embraced a more holistic approach to wellness,
including coverage for bariatric surgeries like gastric bypass. These
procedures can play a vital role in improving overall health and reducing
the risk of obesity-related illnesses. While you may need to meet certain
conditions for eligibility, many ACA-compliant healthcare plans are required
to cover weight loss surgeries.
3. Mental Health Services: In recent years, mental health awareness has gained
substantial traction, and health insurance plans are keeping pace. Many
individual market plans now offer comprehensive coverage for mental health
services, including therapy and counseling. This shift highlights the
recognition of mental well-being as an integral part of overall health.
4. Alternative Therapies: If you thought alternative therapies were excluded
from individual market plans, think again. Among major carriers, 91% cover
chiropractic care, and many plans also now provide coverage for
complementary and alternative treatments such as acupuncture and
naturopathy. This recognition of various approaches to healing underscores
the importance of individual preferences and holistic well-being.
Every plan is different, but with ICHRA, employees are given the freedom to
evaluate individual plans available to them on the marketplace, and to
prioritize one that provides coverage for what’s most important for their own
health rather than having a pre-selected group plan with no flexibility. To find
out if a plan has these features—or more!—the Affordable Care Act requires that
all insurance companies have a Summary of Benefits and Coverage, including
coverage examples that allow for comparison of what the plan would generally
cover in two common medical situations. By embracing the evolving landscape of
healthcare, you're not only providing your team with quality coverage but also
affirming your dedication to their well-being, growth, and happiness.
To answer more of your questions about ICHRAS, see our comprehensive FAQ guide.
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