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Group Health 40% less!

affordable small business health insurance plan Increasing group health insurance costs is the most dangerous trend facing all businesses today; the price of inaction will severely affect your bottom line. What if there was a way your business could save 15 percent, 25 percent - even 40 percent or more - How much more money would go into your bottom line? Learn more...

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Myblog Archive

My Blog

Consumer Driven Healthcare, group health insurance industry trends, thought leadership, and strategies for small business owners with 3 to 100 employees.

Archive >> April 2008

Integrating Group Healthcare Benefits, Wellness, and Performance

Posted by: Jackie in myblog on Apr 24, 2008

For the past few years I've tracked and analyzed the group healthcare plan performance of a few client organizations. I've noticed many small businesses with 3 to 100 employees, as well as non-profit organizations, don't do a particularly good job of integrating group healthcare benefits, employee wellness and employee performance. Sadly, the failure to integrate these three key components will always result in higher group healthcare premiums hurting the bottom line and even threatening the organization's own existence.

 

One of the most cost-effective ways to help save on group health insurance premiums is to look for ways to control healthcare first by re-purposing the group healthcare benefits from benefits to wellness and performance. Too often, organizations walk a fine line between providing employees with expensive - feature rich - and lower cost - high out-of-pocket - group health care plans. Provide expensive plans and put your business in dire financial stress; provide high out-of-pocket plans and lose your employees. The trick to retaining employees without putting a business at risk is to give employees what they want - a quality affordable medical plan - while controlling healthcare costs. By targeting at-risk employees and keeping medical claims down businesses control healthcare first. When employees have a stake in the decision making process, they are better healthcare consumers. Claims affect premium and premium affect employees when their share goes up; therefore by making employees responsible for their healthcare utilization, organizations are giving them an incentive to become healthier.

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Affordable Health

Introducing "Healthy Employees = Healthy Bu$ine$$"

Businesses walk a fine line between providing employees with - expensive, feature rich - and - lower cost, high out-of-pocket - group health care plans. If they provide expensive plans, they put their business in dire financial stress. If they provide high out-of-pocket plans, they risk losing their employees. The trick to retaining employees without putting their businesses at risk is to give employees what they want – a quality affordable group health insurance plan - while controlling healthcare costs.

Our business model and offerings make employees part of the decision making process, and by targeting at-risk employees we accomplish two things: 1) keep medical claims down and 2) make employees better healthcare consumers. Claims affect premium and premium affect employees when their share goes up. Therefore by making employees responsible for their healthcare utilization, businesses are giving them an incentive to become healthier. Start Saving Today...

Gym in a Box

Introducing "Office Gym in a Box"

Let your employees get the vital body they've always wanted, while increasing your company's bottom line by reducing your health premiums and increasing employee performance. The "Office Gym-in-a-Box" model makes Acceleration Training™ exercise accessible for use in your office setting. Not only do three 15-minute workouts a week fit into your office lifestyle, the sleek design and user friendly settings, help "Office Gym-in-a-Box" fit harmoniously within your private office. It is supported by decades of clinical application and research. Give your employees an in-office exercise program designed to accomplish specific weight loss goals; whole body massage and relaxation; health rehabilitation and therapy; and ways to train their body and get the competitive edge...and all it takes is a 4' x 4' space. Request Information...

Wellness Programs

Introducing Wellness Coach

Our Wellness Program provides a basic yet comprehensive wellness initiative that assists employees in making behavior changes in areas that cost employees and employers significant sums of money in health care costs. It serves as a useful preventive health program that relies on personal initiative and regular employer communications where every participant can benefit from working one-on-one with their health coach. Some of the behavior modification health coaching include: Nutrition and weight management; smoking cessation; fitness and exercise; menopause; stress management; management of chronic conditions (such as high cholesterol, high blood pressure, diabetes, asthma, cardiovascular disease, back pain) and complementary care (chiropractic, yoga, acupuncture and massage). Request Information...

High Deductible Health Plan

Planning with High Deductible Coverage

A significant part of the money employees and employers pay for group health care insurance goes toward prepaid medical care that most consumers never use; therefore most U.S. consumers waste thousands of dollars each year on their health insurance. The first $2,500 of a family annual medical expenses are typically spent in $50 to $15 increments in 20 to 30 different transactions – which costs the insurance company the $2,500 plus an additional $500 to $1,500 in transaction processing fees. Most health insurance carriers would lower your annual premium by roughly 120% of the increase in your annual deductible. Approximately $3,000 savings in annual premium for a $2,500 increase in your deductible – putting you ahead by at least $500 a year, even if you become very ill. Start Saving Today...