7 Reasons to Take Advantage of Employee Healthcare Benefits

The upsides of receiving on-the-job insurance.

Doctor with stethoscope
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4. It boosts employee engagement. Whatever an employer can do to improve morale—and health benefits are definitely part of that—makes employees feel more positive about their work and their employer, says Firlik. This leads employees to be more engaged in other work-related activities. "If you have a better attitude, you're more likely to be engaged," she says.

5. It helps employers retain their best employees. Sought-after employees have the upper hand when it comes to negotiating job perks and benefits. "If an employee is in a lucky position to be deciding between two potential jobs, it's exactly things like benefits that can make the difference," says Firlik. "And again, it's all about attitude toward the employer. The benefits are greater, if you have a more positive attitude toward the employer." Employees who feel wanted are sometimes more inclined to excel at work. "You're going to feel more motivated to work harder because you again feel like you're highly valued in the process."

[See 15 Ways Bosses Keep Their Best Employees.]

6. It's convenient. Allocating hours to scouring the Web for affordable healthcare packages can absorb mounds of time. Receiving health insurance through an employer can alleviate this burden, allowing workers to focus their attention and resources on other things like grocery shopping, car repairs, and tuition payments.

7. It sets a good example. Placing value on healthcare in the workplace can energize workers to place importance on it at home as well. This might especially prove true for busy adults who have limited free time due to job and family commitments. "Let's say you're a working mom and you have two kids. You're often so busy with your work and your family that your own health and preventative care falls by the wayside," says Firlik. "But when an employer places a lot of emphasis on healthcare, that helps you place emphasis on it."

Finally, the quality of healthcare coverage can vary, says Morris. It's important for job seekers to be mindful of this when weighing the benefits and limitations of their options. "Given the current economy, many people are happy to have a job, let alone healthcare benefits. However, individuals should know whether or not their benefits would meet their needs," she says. "In particular, it is important for people to know whether their providers are covered in their network and the out-of-pocket costs for treatment."

Several companies provide additional benefits, including Employee Assistance Programs (EAP), which give short-term counseling and other counseling services, including wellness, tobacco cessation, and weight management groups.

"These services go a long way in keeping employees healthy," says Morris.