If you’re exploring group benefits options for your business, you’ve likely heard of the Chambers Plan. It’s marketed as an affordable and accessible solution for small businesses, pooling resources from multiple companies to provide competitive coverage. But what happens when your employees need specific medications like Ozempic—a leading treatment for Type 2 diabetes and weight management?

Here’s the reality: the Chambers Plan does not cover Ozempic, and that’s a dealbreaker for many businesses and their employees. Let’s dive into why this matters and how alternative group benefits options can better meet your team’s needs.

Why Ozempic Coverage Matters

Ozempic isn’t just another medication. It’s a groundbreaking treatment that’s become increasingly popular for managing chronic conditions like Type 2 diabetes and for its use in weight management. For employees with these health concerns, having access to Ozempic through their group benefits plan is more than a nice-to-have—it’s a necessity.

The costs of paying for Ozempic out-of-pocket can be prohibitive, often running several hundred dollars per month. Without coverage, employees may forgo this critical treatment, leading to long-term health issues, reduced productivity, and increased absenteeism.

A group benefits plan that excludes such an important medication not only limits your employees’ access to care but also sends the message that their health needs aren’t fully supported.

The Chambers Plan: Coverage Gaps

While the Chambers Plan offers some advantages for very small businesses, its limitations become apparent when you look closely at what’s included—and what’s not.

No Coverage for Ozempic

The Chambers Plan excludes Ozempic from its formulary, leaving employees to shoulder the full cost of this critical medication. For businesses with employees who rely on Ozempic, this can create frustration and dissatisfaction with their benefits package.

Limited Flexibility

The Chambers Plan’s one-size-fits-all approach doesn’t allow for customization to include specific medications or treatments. As a pooled plan, coverage decisions are made to suit the group as a whole, not the unique needs of your team.

High Costs for Larger Teams

If your business has more than three employees, the Chambers Plan quickly becomes less competitive. You may find yourself paying more for a plan that offers less—especially when medications like Ozempic are excluded.

Restricted First-Year Coverage

For new members, the Chambers Plan often imposes coverage restrictions during the first year, adding another layer of complexity and dissatisfaction for employees.

A Better Alternative: Customized Group Benefits Plans

At AEC Benefits, we understand that a group benefits plan needs to work for your team—not the other way around. That’s why we offer customized solutions that include access to medications like Ozempic and provide the flexibility your business deserves.

Why Our Plans Work Better

1. Ozempic Coverage Included: Our group benefits plans ensure that critical medications like Ozempic are covered, giving your employees peace of mind and the support they need.
2. Tailored to Your Team: Unlike the Chambers Plan, we customize coverage to match your business’s unique requirements. Whether it’s including specific medications or adjusting coverage levels, our plans are designed for you.
3. Cost-Effective for Larger Teams: For businesses with more than three employees, our plans offer better value and more comprehensive coverage compared to pooled solutions.
4. No First-Year Restrictions: Your employees receive full access to their benefits from day one—no waiting, no frustration.
5. Simplified Administration: With tools like direct pay and an intuitive app, managing your group benefits plan is easier than ever.

Why Ozempic Coverage is Essential for Employee Well-Being

When employees have access to medications like Ozempic, it’s not just their health that improves—it’s their productivity, engagement, and loyalty to your company. Employees who feel supported by their benefits plan are more likely to stay with your business long-term, reducing turnover and its associated costs.

By choosing a group benefits plan that includes Ozempic, you’re investing in your employees’ health and your company’s success.

Let’s Talk About Your Options

If you’re currently on the Chambers Plan or considering it for your business, it’s time to think about what’s missing. Medications like Ozempic are a lifeline for many employees, and excluding them from coverage is a gap your business can’t afford.

At AEC Benefits, we offer better options—plans that are tailored to your team, cost-effective, and comprehensive. Contact us today to learn more about how we can build a group benefits plan that works for you and your employees.

Your team deserves better. Let’s make it happen!