We all tend to think of health insurance in terms of seeking care when something goes wrong. If you’re injured or sick, your healthcare plan helps you obtain medical treatment from covered providers and a price that is controlled by your network. But Group plans often provide many more benefits that you don’t even know about, aimed at helping you keep your employees happier and healthier.
Over the years, health insurance carriers have realized an important point: Those who are healthier need fewer medical services, and will cost less money to keep insured. Of course, that savings applies to you as well. When you’re healthy, you seek fewer medical treatments and medications, and your own out-of-pocket expenses for things like deductibles, co-payments, and prescriptions are lower.
So in an effort to prevent the need for costly medical procedures or medications, many healthcare plans have begun to focus on prevention. Aside from general preventive screenings for certain conditions, plans might also provide discounted or free wellness programs, such as:
- Smoking cessation
- Other addiction treatment
- Weight loss programs
- Gym memberships
- Nutrition counseling
- and other programs aimed at promoting wellness
We all know that weight management and avoidance of habits like drinking and smoking can slash our risk of developing many serious, chronic health conditions. For those planning on health related New Year’s resolutions, support could available to help employees quit unhealthy habits, lose weight, or simply get in better shape.
You may have looked into these types of services already, but if not, it’s worth investigating your options to see what is available to you and your employees. Contact one of our licensed agents to learn more. Your team could benefit with a healthier 2023 and you might possibly save money while doing it!