BeneStream- Medicaid Enrollment Services - Handelman Insurance Advisors, Inc.

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Easy Medicaid Enrollment. Substantial Savings

What is Workers Medicaid and what are the benefits?

  • Healthcare costs and benefits are a challenge in industries with  large numbers of lower wage employees. Companies need to keep costs down  to remain competitive. Employees often can’t afford coverage even when  they are enrolled in the company sponsored health insurance plan because  the co-pays or deductibles don’t fit their household budget  constraints.
  • Workers Medicaid, free government insurance under  Expanded Medicaid, is the solution. BeneStream will screen new hires for  eligibility, explain the advantages to those that qualify, and provide  concierge enrollment services. We will support employees through initial  enrollment and subsequent re-enrollment processes, eliminating the red  tape and complexities that discourage employees from enrolling on their  own.


Your Company Wins

  • Enrollment in Medicaid means less people on your plan. And if you are  self-insured, you may save even more: Studies show that low-wage  workers who enroll in plans often do so because they anticipate or know  of a medical condition. This dynamic is known as ‘adverse selection’, a  proven driver of higher company healthcare costs. Workers Medicaid  mitigates these costs.
  • Employers also win because a major reason for voluntary separation is  better benefits. Providing free insurance reduces turnover. Providing  free insurance without co-pays or deductibles increases use, which  results in healthier employees and family members which reduces  absenteeism.
  • Even employees who earn too much for Medicaid may qualify for CHIP,  the acronym for Medicaid only for dependents under 18. Studies show that  absenteeism is not only driven by worker illness but by dependent  illness as well. Access to no cost preventive medical care, even if  restricted to dependents, will increase availability to get to or stay  at a workplace.

Employees Win

  • Free coverage is the equivalent of a pay raise for those who would  otherwise take a company plan.
  • And healthier families result in fewer  absences and bigger paychecks.
  • BeneStream has received testimonials from  hundreds of enrolled employees describing enrollment in Medicaid as a  life changing experience.


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