Employers and Employees Have Different Views on Health Insurance

August 27, 2007 (PLANSPONSOR.com) - Most employers in the Midwest say they are doing enough to engage workers in helping design their benefits plans, but only one in five employees say that is true, according to a recent report by Delta Dental of Missouri.

According to the report by the health care provider, n ine out of 10 employees say they would be willing to participate in the benefits planning process. The survey also revealed some disparities between how employers perceive their benefits offerings and how employees perceive them.

Employees and employers consider health benefits to be an important factor in attracting and retaining employees. Both are also receptive to the concept of rewarding employees for maintaining good health with lower premiums or benefits incentives and agree that the federal government should stay out of employee health benefits administration.

Employees indicate they are most likely to take advantage of wellness initiatives such as gym memberships, followed by an on-site gym, flu shots, blood pressure testing and cholesterol screenings.

However, employers indicate that they are most likely to offer onsite flu shots, followed by blood pressure testing, cholesterol screenings, smoking cessation and diet and weight-loss support.

Meanwhile, employees are more concerned with having funds for unplanned emergencies and for retirement than employers anticipate.

The survey was comprised of 1,023 internet-based employee interviews.