Summer is a time for relaxation, family vacations, and making memories—but it can also come with unexpected hiccups like sunburns, sprains, or out-of-network medical visits. At Cypress Benefit Solutions, we want to make sure your team knows how to get the most out of their insurance benefits while enjoying their summer plans.
Here are a few best practices to help your employees stay protected and informed this season:
1. Review Coverage Before You Go
Encourage employees to log into their benefits portal or reach out to your HR team to review their current coverage—especially if they’ll be traveling out of state. Knowing what’s covered and where to go for care can prevent surprise bills and save time.
2. Use Telemedicine for Minor Issues
Many plans include virtual care or telehealth visits. Whether it’s a case of swimmer’s ear or a child’s rash after hiking, telemedicine is a convenient, cost-effective way to receive care without visiting an urgent care clinic or ER.
3. Locate In-Network Providers Ahead of Time
If traveling, it’s smart to find in-network doctors or urgent care centers in the area ahead of time. Most insurance carriers have mobile apps or search tools to locate providers quickly.
4. Pack Smart with Prescriptions
Remind employees to refill any prescriptions ahead of time and carry medications in their original containers—especially when flying. Some pharmacy plans also allow for early refills before travel.
5. FSAs & HSAs: Don’t Forget to Use Them
Summer is a great time to use Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) for things like sunscreen, first-aid supplies, allergy meds, or even travel-sized contact solutions. Every dollar used tax-free counts!
6. Remind Employees About Travel Assistance Programs
Many group life or disability insurance plans include built-in travel assistance or emergency medical evacuation services. It’s worth checking if your carrier offers these added benefits—and letting employees know how to access them in a pinch.
Smart benefit usage doesn’t stop during vacation. With a little planning and the right knowledge, your employees can enjoy peace of mind all summer long. If you’d like help communicating these tips to your team—or want to explore plans that offer better summer travel support—we’re here to help.
