When it comes to group health insurance, many businesses focus on monthly premiums as the deciding factor. But choosing the wrong health plan can cost far more than what you see on paper.

Here’s what can really happen when your plan isn’t the right fit:

• Employee Dissatisfaction: If employees find their doctors aren’t in-network or their medications aren’t covered, frustration grows. And that can lead to decreased morale or even turnover.

• Unexpected Expenses: A plan with lower premiums might come with sky-high deductibles or limited networks. That leads to higher out-of-pocket costs for both you and your employees.

• Administrative Time Sink: Poor carrier service or confusing plan structures can mean endless hours troubleshooting billing errors and managing claims.

At Schulte Insurance Agency, we help clients avoid these pitfalls by reviewing plan designs, comparing options, and recommending what’s truly best—not just what looks cheapest. The goal? Keep your people happy, healthy, and supported while protecting your bottom line.