Ancillary Benefit Solutions – for Associations, Chambers, Employers or Individuals
The world of benefits has changed forever. The cost of major medical insurance is outrageous forcing employers into a position to only offer high deductible health plans. Sadly, this leaves the healthcare burden mostly back on their employees. For Associations and Chambers, the desire to create healthcare benefits is a must. However, legislation prohibits the sale of health insurance products through an association.
Affordable healthcare for most of what employees will use!
We develop low-cost solutions that can address 85% of the bread and butter health needs that most healthy employees require. (This non-insurance approach will not address specialist, accident or serious illness incidents.) However, for most healthy employees 21-65 years old, the typical acute, non-emergency health needs are easily met at a very affordable price point. One popular plan with employers and associations is a bundled solution that includes Telemedicine, Behavioral Teletherapy, and Patient Advocacy. These are non-insurance products, but these benefits are readily accessible through an app and have unlimited use for a small monthly fixed investment. They are not only available to the individual employee, but their family as well!
Telemedicine
Keep your workforce healthy and productive with On-Demand Healthcare Solutions
As your trusted partner, we are able to provide your employees with access to medical care around the clock, saving them and you money and keeping your workforce healthy. Employees can connect with a physician via telephone or video for medical consultations whenever and wherever they need care.
Benefits of Telemedicine to Employers:
- Improves access to healthcare for employees in remote locations
- Reduces employer costs related to employee doctor’s office and ER visits
- Instant access to doctors cuts down on missed work time related to minor health issues
- Helps prevent minor employee health issues from becoming costly conditions
- Safeguards employers against the “Cadillac Tax” related to high health plan premiums
The American Medical Association notes that 70% of doctor, urgent care and ER visits can be handled by telephone.
Telemedicine gives your employees easy, streamlined access to board-certified doctors via phone, email or video call 24/7.
You will reduce absenteeism, improve productivity, and foster employee retention with Telemedicine!
Telephonic Behavioral Counseling and Support
Bullying
Do you have a bullying or harassment problem in your company? You might not realize that your absenteeism problem is actually a symptom of something much worse. Employees avoid work when they’re being harassed for the same reason that kids skip school when being bullied.
Disengagement
Employees who are not committed to their jobs tend to find excuses not to come in. Disengagement comes in many forms. It can be due to lack of respect for management or feelings of unfair treatment. It can also be due to lack of feedback from managers or a perceived lack of freedom or flexibility.
Most people experience some personal or family distress during the course of their lives. Professional assistance helps to ensure successful management of personal challenges. Telephonic Counseling is a convenient first step in getting such support. Reasons current members use Telephonic Counseling include:
- Death of a loved one
- Relationship issues
- Parenting issues
- Traumatic accident
- Major illness
- Substance abuse
- Depression
- Stress and anxiety
- Workplace issues
- Change & transition
- Financial stress
- Any reason that causes concern
Facts and Figures:
- In any given year, 25% of the U.S. population experiences some type of diagnosable mental health condition (National Institute of Mental Health).
- 38% of high school seniors have used an illicit drug in the past year (NIDA).
- Suicide is the 4th leading cause of death among 18-65-year old’s (NIMH).
- 75% of the general population experiences at least “some stress” every two weeks (National Health Interview Survey).
- Stress in society is so prevalent that the U.S. Public Health Service has made reducing stress one of its major health promotion goals.
- Over 60% of visits to primary care physicians are for stress-related
Features
- Since most people experience significant challenges at some point(s) in their lives, all individuals, regardless of their financial resources/occupation/personal situation can benefit from this service in managing personal or family problems.
- This is a convenient and efficient way to obtain a consultation and specific recommendations on the way back to behavioral health.
- This is also a cost-effective way to access support and minimize health care costs. If additional care may be needed, members will be assisted with finding appropriate and cost-effective follow-up care.
The Right Care at the Right Time
- We work with the caller to identify specific issues and next steps to take to address them.
- We can help by taking the “guess work” out of who to see in the event they may need additional services.
- We can assist with identifying specialty providers or services that would be the most appropriate to access.
- We can facilitate any needed appointment setting and follow up services.
Financial Restraints
People who could benefit from professional services may be reluctant to access care for a variety of reasons, including financial restraints. Telephonic counseling programs provide cost effective solutions to individuals with limited access to medical benefits or financial resources. In addition, telephonic counseling addresses a broad range of issues and is appealing because it offers timely, accessible services without an “out-of- pocket” expense to the individual.
Telephonic Counseling provides confidential, unlimited telephonic consultation, counseling and referral services for members including:
- 24/7 availability to Master’s Level Counselors
- No co-pay or fee to the member
- Immediate crisis support
- Comprehensive problem assessment and resolution
- Supportive counseling and subsequent sessions
- Education
- 100 percent follow up with original counselor
- Custom referral (if needed) to medical, behavioral health plans or local community resources
Absenteeism can be as attributable to behavioral health as physical health. Give your employees an avenue to be of sound mind, body, and soul.
Patient Advocates
HANDS-ON SUPPORT FOR EVERYTHING MEDICAL
Personalized service for plan members to navigate the complexities of the healthcare system. Whether it is finding a doctor, or the least expensive MRI, or negotiating down a hospital bill, your personal healthcare advocate will give you measurable savings via concierge-level services. They will help you with:
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- Finding In-Network Providers, Treatments & Facilities
- Claims Explanation & Support
- Fee & Payment Negotiation
- Medical Bill Reviews & Audits
- Appeals & Approvals
HANDS-ON SUPPORT FOR EVERYTHING MEDICAL
Personalized service for plan members to navigate the complexities of the healthcare system. Whether it is finding a doctor, or the least expensive MRI, or negotiating down a hospital bill, your personal healthcare advocate will give you measurable savings via concierge-level services. They will help you with:
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- Finding In-Network Providers, Treatments & Facilities
- Claims Explanation & Support
- Fee & Payment Negotiation
- Medical Bill Reviews & Audits
- Appeals & Approvals
INDIVIDUAL PROBLEM-SOLVING SOLUTIONS
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- Cost Savings Options in provider selection
- Case Management Support
- Preventative Care Planning
- RX Medication Review
- Get Second Opinions & Alt Care Options
- Schedule Appts & Transfer Medical Records
- Compare Cost & Quality
FINDING CARE EXPLANATION & UNDERSTANDING OF BENEFITS
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- General Plan Questions
- Help with Co-Payments, Deductible & Out-Of-Pocket Costs
- Clarify Covered Services
The Telemedicine – Behavioral Teletherapy – Patient Advocacy Bundle
This bundle would typically retail at almost $39 per employee per month. But associations, Chambers and employers can now offer this bundle to their members for just $14.95. It’s important to note that these benefits are not only for the employee, but their entire family as well.
Talk to us about your benefit needs and let’s customize a plan that will be ideal for your group!
