Unexpected costs your employees don’t plan for


Medical insurance covers many of the costs associated with a hospital stay and outpatient surgery, but what your employees don’t think about are the out-of-pocket costs that could be left.


  • Medical insurance deductibles
  • Hospital or ambulatory co-pays
  • Co-insurance
  • Prescription drug co-pays
  • Rehabilitation
  • Alternative treatments

Not-So Obvious

  • Lost earnings from not working
  • Childcare
  • Transportation to health facilities
  • Diagnostic tests