We are halfway through 2020 and it has been a year for the books. COVID-19 has changed many things but mostly, it has highlighted the need for affordable, reliable healthcare and healthcare technology. How has our agency changed to accommodate these unpredictable times? 

Even before COVID-19 hit, the Red Mountain Benefits Group team had been studying and learning about new forms of technology to better assist our clients. Many of the clients we serve are scattered throughout the United States and between different time zones, schedules, and needs, it can be cumbersome to talk to and advise each and every employee. Benefit management technologies have vastly changed the insurance environment. Normally, employees would be told to come to the conference room or break room on a certain work day to enroll in their benefits. They may not get all the privacy they need or the one-on-one time they need. Employees may also not have the time in their busy days to come and talk to a consultant. Our team understood these obstacles to benefits and wanted a solution.

​Most health and life insurance companies have some sort of online portal for employees to look at their benefits, for HR to add and remove employees, and for both parties to see how much these benefits cost. These are great until you have multiple carriers you have to login to, then it can get quite confusing and cumbersome. With an enrollment platform, you can not only manage all benefits in one place but you can manage employees, PTO, assets, and much more.

We asked our followers and consultants what their most asked insurance questions are and here we will attempt to broadly answer them. Disclaimer: Every person has a different situation unique to them, some of these answers may not be applicable to you and your situation, please contact your HR or benefit consultant regarding your needs.

Q: Will this voluntary worksite policy pay even if my major medical covers it?
A: In most cases, yes! Worksite benefits include accident, critical illness, cancer, and others. Many of these pay directly to you, the policyholder or member. These policies may have a schedule of payments that are paid to you if something happens, regardless of what your major medical would have paid. The best example of this is the accident policy. Say you slip and fall at home while playing with your children and break your wrist. Your major medical will take care of some medical fees for you and pay the hospital or doctor you go to. However, your accident policy will pay a set amount directly to you. You can use this money towards your major medical co-pays or deductibles or whatever you need to, the money is yours to use at your discretion!