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As small businesses make changes to health insurance offerings, advisers can play a vital role in helping them answer employees’ questions. Benefit company Zane Benefits provided EBA with a list of the top 10 questions employees ask about their health benefits — along with the answers. “When employees don't understand their benefit options, many don't enroll in the benefit and the result is sub-optimal utilization,” says the firm’s President and CEO Rick Lindquist. “Low benefit utilization is the enemy of a successful renewal and a long-term client.”

Zane Benefits shares its top 10 questions received from employees.