6 Tips to Tailor Your Healthcare to Fit Your Company’s Needs

The Perfect Fit: How to tailor your healthcare coverage to fit your employee’s needs.

A robust employee benefits package can be an excellent way to retain the talent you have, and to recruit top talent. But choosing the right healthcare coverage is difficult and often seems like a one-size-fits-all package: expensive coverage with options you may not need.

Whether you’re a CFO, HR Director, or company leader, you’ve got a difficult decision to make. How do you keep employees happy and control costs in a high insurance premium environment? Going with a traditional, fully insured health insurance plan may not help you reach your goals, but you’re not sure what alternatives exist.

If only you could design your own plan with the right coverage….

You’d choose a plan you could monitor for cost-effectiveness and retain your talented staff members. It would have the benefits designed specifically for your employee demographics without paying for benefits you don’t need. And it would fit your budget.

Creating your own healthcare insurance plan is no longer a dream, but a reality. So, how do you do it?

Find a reliable partner that can provide you with these 6 things:

1. Data Analytics

To control costs, you must understand what is driving those costs and monitor them regularly. With a data analytics dashboard, you don’t just hope and pray your costs to stay in line. You have immediate access to your plan’s performance and the individual factors that drive costs including pharmacy claims, utilization rates, and clinical outcomes. You can’t control what you don’t monitor – but we give you the tools to keep your costs and plan aligned.

2. Disease Management

Recent studies indicate that rising healthcare costs can range in the million-dollar (or more) for chronic illnesses. Keeping on top of those conditions and managing their outcomes can make or break your budget. Find a partner that can provide you with the management tools you need to monitor and address these difficult conditions and their impact on your company.

3. Wellness Management

Healthy employees are the key to controlling healthcare premiums. Investing in their health can play a huge part in holding down premiums. Explore innovative, easy to understand wellness programs that encourage your staff to stay healthy by engaging with their providers.

4. Employee Demographics

Your company’s line of business and employee demographics are the basis for designing insurance plans. Whether you’re a car dealership, tech startup, non-profit or call center, you have specific demographics that drive the cost of your plan. Understanding how to leverage those demographics to create a tailored plan is the key to creating cost-effective plans that keep employees happy.

5. Technical Integration

Gone are the days of unused paper benefit booklets, claim forms, and enrollment applications. HRIS systems increase efficiency for both the HR department and employees. Find a partner with an intuitive system designed to easily integrate with most HRIS systems to make it easier for your HR department and employees to have access to their enrollment, payroll, and benefits information.

6. Plans Your Employees Will Enjoy

In this era of unprecedented low unemployment, losing key staff members is a significant hardship on the entire company. Valuable benefits that are easy to access, meet their own and family needs, and have affordable premiums are key to keeping staff members productive and around for the long term. With options for Telemedicine, EAP, HRIS system access, keep your talented staff around for the long term.

Healthcare coverage should be designed to fit your unique needs, at a price you can afford, and that employees will like and use. Here is a case study from our friends at Evolution Healthcare that will walk you through the advantages of a customizable, self-funding insurance plan.

If you want to find out more about how to create a unique plan that fits your budget, satisfies your team members, and lets you keep more of your profits contact Sapoznik today!

Why Wellness? A Story by Mary Kreischer

“Why Wellness?” The definition today of wellness is the process of becoming aware and making choices toward a healthy and fulfilling life. It’s more than being free from illness; it is a process of change and growth. “…a state of complete physical, mental, and social well-being, and not merely the absence of disease or infirmity.”

My journey, or my awareness, started when I was 10.  I was around my older relatives and was exposed to all their health issues. Some were physical, and some were mental.  We had cancer, heart disease, depression, and alcoholism, to name a few.  My parents would talk to my sister and me to help us understand what was going on around our family. I was one of those kids that always asked, “why,” and observed everything.

Some of my older relatives worked in factories where the environment was not ideal, and many of them had heart and lung issues. Most of my family members were overweight, smoked and drank regularly. My one great uncle never married and was a male nurse who always cared for whoever in the family needed it. Once they were all gone, including my grandmother who died horribly of cancer, (his sister, whom he was the closest to), he lost his purpose in life, fell into a deep depression, started drinking and died shortly after.

My father smoked from the time he was a young teen, developed lung cancer, and died at the age of 57.  My mother, also a smoker, had emphysema and her heart finally gave out, but she made it to 75. My Father-in-law, also a smoker, died from hardening of the arteries from smoking and had a major heart attack at 71.  Two Brothers-in-law…gone at 57 and 51.

My husband and I always kept an eye on our children’s and personal health.  I stopped smoking at 19, my husband never smoked.  We were mindful of our weight, and we would diet and exercise when necessary. I would research and learn all I could and nurture health not destroy it. I even studied nursing to learn more.

After years of seeing so many factors play parts in an individual’s well-being, whether it be environmental, physical or mental, I learned that the human body has an enormous capacity to heal itself if given the right atmosphere and tools.  I became an advocate and wanted to support others to do the same.  I want to help people come to the same awareness that I did.  Today, with my clients, if I can reach just one person at a time and help them to change and encourage their awareness, then I have done something good in this life.” – Mary Kreischer, CCWS, Sapoznik Insurance

Mental Health Awareness is Key to Getting the Help You Need

Mental illness affects one in five adults in the United States each year; that’s about 43 million people.  The most prevalent mental illnesses are depression and anxiety, affecting 18.1% of ages 18 years and older each year. Emotions are healthy. Humans are designed to experience grief, loss, sadness, and fear. However, if these healthy emotions turn to anxiety or depression, it may be a sign of a deeper issue. Anxiety disorders are treatable, yet only 36.9% of those suffering receive the treatment they need.

Reacting to a stressful or life-changing event such as losing a job, or losing a loved one is healthy. As we look to take care of our minds and bodies, it is important to realize the point where sadness turns into depression or worry turns into anxiety attacks.  Being mindful of these distinctions is crucial. When you start to drown your feelings by drinking a few glasses of wine at night to de-stress, or your mood starts to limit your day-to-day activities, this is an indication it is time to stop for a moment and seek help. Depression and anxiety can be a serious condition, impacting every aspect of your life, from your appetite to sleeping.

Most people turn to their primary care health provider; others reach out to a mental health professional for counseling, and some might need more intensive treatment to stay safe and stabilized. Knowing when to ask for help is critical. Keep in mind that if you are feeling down, people are acting concerned about you, and others are helping you more than usual, it is time to ask a professional for help.  There is no shame in asking!

I have patients that routinely tell me that the money spent on counseling is the best investment in themselves they have ever made. Be mindful of how you are feeling. If you are struggling or if you notice that things aren’t right, take the time to talk to your doctor or mental health professional to get back on track and start feeling like yourself again.

Here are six quick tips to help you manage your anxiety and depression:

  1. Turn your bedroom into a Zen palace
  2. Keep a regular bedtime hour
  3. Have a routine one hour before bedtime
  4. Avoid devices with screens, anything that causes stress or mental stimulus before heading to bed
  5. Exercise regularly
  6. Go outside every day

Dr. Nelson is Director of Clinical Services at The Florida House Experience in Deerfield Beach.  The Florida House is an innovative treatment center for mental health and substance use disorders that utilizes a whole person model treating clients medically, clinically, and with the latest technology in order to live happy and productive lives.