Retex Program: Why MCA?

	A Free Medical Benefit that Saves Retail Employers and Employees Money Retailers in the US are faced with an economic "Perfect Storm". The convergence of financial system meltdown, recession and health care cost inflation are making it increasingly hard to meet profit goals and employee’s needs. However, employers cannot forget about the needs of employees during these troubling economic times. Retailers large and small face health care cost challenges. As a manager, you need to balance keeping costs low and at the same time enhancing employee retention and satisfaction. A large number of retail employees in the small business marketplace have little or no health insurance benefits. There are 46 million uninsured Americans and an additional 25 million who are underinsured (spending more than 10% of income on health care). 40% of companies with less than 200 employees do not offer benefits. Even when benefits are offered some employees cannot take advantage because they can’t afford the cost sharing or they lack eligibility. 59% of employers that offer benefits are passing the cost increases, in whole or in part, to their employees. In 2008, annual medical costs, for the average family, reached over $15,000 and out-of-pocket spending totaled more than $1,300. Employee/consumers typically overpay for medical services because: They do not have the knowledge required to reduce the charges They don’t have time to become an expert in health care They are reluctant to deal directly with their physicians/providers on financial issues Your employees and contractors need a trusted partner to lower their medical costs and now you can supply that help at no cost to your business.
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