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Business Journals
27-06-2025
- Business
- Business Journals
7 things every business should look for in a health insurer
1. Personalized service & responsiveness: Managing your company's health insurance should be simple and hassle-free. One of the most important things to consider when evaluating health insurers is the service they provide to your team. Helpful, accessible support and easy-to-use tools can simplify enrollment, plan changes, claims, and employee questions—saving your team time and hassle. Look for insurers with strong online resources, responsive support, and a reputation for service. Ask how they manage member care and how current customers rate their experience. 2. Plans that are easy to implement: The best health insurers make enrolling your whole team simple. Instead of leaving you to figure it out alone, top insurers provide enrollment teams to guide you through the process and answer questions along the way. This support ensures a smooth transition and helps employees understand and use their coverage effectively from day one, making the entire experience hassle-free for everyone involved. 3. Use of online portals & technology: The right health insurer should make managing coverage easy. Look for insurers that offer online portals where you can pay bills, access claims information, and find answers fast. Employees can access their information, show digital ID cards at appointments, and manage their benefits on the go. Technology like this streamlines everyday tasks, saves time, and helps everyone get the most out of their coverage. 4. Look for ACA-compliant plans: The Affordable Care Act (ACA) requires all new health insurance plans for businesses to include Essential Health Benefits (EHBs)—services like prescription drugs, emergency care, maternity coverage, and pediatric dental and vision. These are the minimum every plan must offer. But don't stop at the basics. When comparing options, look for plans that go further—with added benefits like chiropractic care, acupuncture, or personalized service. These extras can make a real difference in your team's health care experience. 5. A large, flexible provider network: A health insurance plan is only as useful as the access it provides. Is it a PPO or HMO? Can your team keep their current doctors? Are referrals needed for specialists? Will they be covered while traveling? Look for plans with large networks that make it easy to get quality care when and where it's needed. A large network offers your team more options for affordable, timely care—and a better chance they'll get personalized, effective support from trusted providers. 6. Wellness & preventive care services: Health care isn't just about treating illness—it's about preventing it. Choose a health insurer that offers online resources, education, and preventive services like screenings and immunizations. Wellness programs like UHA's Active&Fit Enterprise™, included with no additional cost to employers, help keep employees healthy, engaged, and productive. These resources can reduce costs and boost satisfaction. Understanding what's offered helps HR and leadership make informed decisions that support long-term employee well-being and organizational success. 7. Choose an accessible health insurer: It's equally important to choose a health insurer that makes it easy to know who you should contact for different types of needs or concerns, and who provides the information you need and how best to reach them. A toll-free number is great for general inquiries, but for an ongoing relationship, a direct contact can save a lot of time. It's also much easier to deal with the same people every time, rather than having to initiate a new relationship every time you have a question. With UHA, Hawai'i businesses can save up to 10% on premiums* compared to other major providers. Request a quote today. For more information on choosing a health plan, contact our sales team at (808) 999-7250. Founded by physician educators from the University of Hawai`i John A. Burns School of Medicine, UHA offers one of Hawai'i's largest physician networks, serving nearly 4,300 employers and 57,000+ members with medical, drug, and vision plans. We're large enough to serve, small enough to care. Learn more at As sales manager, Grace Nushida is responsible for driving growth through strategic planning, effective team management and cultivation of strong relationships with clients and partners. She oversees a sales organization with a goal of ensuring exceptional member satisfaction.
Time Business News
27-05-2025
- Health
- Time Business News
Best Insurance Plans for Mental Health Coverage 2025
In 2025, prioritizing mental health is more important than ever. As awareness grows and stigma decreases, access to reliable insurance plans that include robust mental health coverage has become a vital part of comprehensive healthcare. Whether you're looking for therapy, medication, or inpatient treatment, the right insurance can make these services more affordable and accessible. This guide outlines some of the best options available in 2025. Insurance Plans for Mental Health Coverage UnitedHealthcare (UHC) stands out for its wide provider network and commitment to behavioral health. UHC offers various programs like 24/7 virtual mental health visits, an extensive network of in-person therapists, and an Employee Assistance Program (EAP). Their coverage includes therapy, substance use treatment, and crisis care, making it one of the most well-rounded choices available today. Learn more about UHC mental health benefits and how they can support your well-being throughout the year. Cigna Healthcare is another strong contender, offering a seamless digital experience and access to both traditional and alternative mental health therapies. With options like personalized coaching and virtual sessions, Cigna appeals especially to younger populations who value convenience and digital-first experiences. Anthem Blue Cross Blue Shield includes behavioral health as part of their essential benefits under ACA-compliant plans. Their telehealth expansion in 2025 further supports remote therapy and mental health consultation, making care more reachable than ever. Other notable mentions include Oscar Health and Kaiser Permanente, both of which continue to grow their mental health support services, with Kaiser focusing on integrated care and Oscar leveraging tech-driven member engagement. To address growing demand, many plans now offer more flexible policies, with expanded coverage for preventive therapy sessions, youth mental health programs, and even stress-management tools. Mental health parity laws have also strengthened, requiring insurers to treat mental health on par with physical health, which has pushed more providers to refine their offerings. Many employers are now offering expanded mental wellness benefits as part of group plans to improve productivity and satisfaction across their workforce. This shift toward proactive care means that therapy is now seen as a vital wellness tool, not just a crisis response. Conclusion Choosing the best mental health insurance plan in 2025 involves more than comparing premiums—it's about understanding the level of support, network accessibility, and how well a plan fits your unique needs. Providers like UnitedHealthcare, Cigna, and Anthem are leading the charge in offering flexible, comprehensive coverage that prioritizes your mental well-being. With more tools, more providers, and better access than ever before, now is the time to invest in your mental health through the right insurance partner. TIME BUSINESS NEWS
