By Tanya L. Burns, LUTCF, RHU, LTCP
Tanya L. Burns and Associates, Inc.

Tanya L. Burns, LUTCF, RHU, LTCP
Article submitted by Tanya L. Burns, LUTCF, RHU, LTCP, to share a health insurance update. If you’d like to submit an article, email Kelly Sawyer at cflmgma@gmail.com.
Since the cost of employee benefits continue to increase for the small employer (under 100 employees), I am often asked: “What are other small employers doing for their employees?”
The following information shown below is comprised of approximately 10,000 small employers from the Southeastern Region of the United States:
- Types of Medical Plans Offered:
- PPO/POS Plans: 43%
- HMO Plans: 19%
- Average Deductible:
- Individual: $1,800
- National Average: $1,600
- Average Deductible:
- Family: $3,800
- National Average: $3,500
- Average Out Of Pocket Maximum:
- Individual: $4,500
- National Average: $4,800
- Average Out of Pocket Maximum:
- Family: $9,000
- National Average: $8,800
- Average Employer Contribution:
- 73% Employee Cost
- 30% Dependent Cost
- Average In-Network Copay:
- PCP: $25
- Specialist: $40
- Emergency Room: $250
- Urgent Care: $55
- Average RX Copays:
- Generic: $12
- Brand (Formulary): $40
- Brand (Non-Formulary): $70
As of this writing, The American Healthcare Act is on its way to the Senate for review, discussion, and modification. This review process will take some time – possibly through most of the summer. I promise to keep you updated in the next issue of where things stand. Right now, it’s too early to summarize any specifics.
Respectfully,
Tanya
Tanya L. Burns, LUTCF, RHU, LTCP