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Healthcare Cost Reduction
Health insurance premiums continue to skyrocket: 20% to more than 100% reflecting the high costs of the covered services. In previous issues, we reported that solutions include using more Complementary Healthcare services.
We know that Complementary Healthcare services are excellent for most chronic and many acute conditions. They are also much less expensive compared to conventional medical services.
Blending the two systems is the key:
- On your current health insurance plan, increase the deductible – up to $5,000 – and decrease the benefits to the bare bones allowed in your state. This plan would be used in emergencies – generally for accidents not covered by Workman’s Compensation or auto insurance – and could save 50% or more alone.
- Where feasible, take out a set of individual policies versus one group policy. A group policy expects a few in each group to have poor health lifestyles creating a high demand for services.
- Utilize medical savings accounts to their maximum potentials allowing pre-tax contributions by both the employer and employee.
- Develop comprehensive, interesting, competitive Wellness programs to reduce reliance on expensive healthcare services.
- Add Complementary Healthcare services to your program – starting with top-notch providers such as Members of CWPA.
- Put the employee and yourself in charge of health: involve, encourage and allow independent decision making.
- Follow-through with Wellness Coaching to keep your people on track with their Wellness Programs.
- Make sure that Complementary Healthcare is available after hours – such as with our 1-888-7-HELP-24 HOTLINE currently available 1pm – 11pm MST daily (free to Profitable Wellness clients and only 99 cents per minute after the first 5 minutes of actual conversation to the general public).
- Focuses on prevention, lifestyle enhancement opportunities, and inexpensive home or over-the-counter treatments.
- Reduces unnecessary trips to medical offices and emergency rooms, as well as expensive drugs, surgery and other treatments.
- Directs employees and the public to a short list of healthcare practitioners, saving ineffective trials with minimal results.
Just think what would happen if you were to reduce your individual or company’s healthcare overhead by 25%, 50% then more. How much would that be worth to you, especially when your health and productivity increased?
Could you reduce your price a bit, while still increasing your profit? Would you be more competitive?
See some of these concepts detailed in The Wellness Revolution – Appendix Summary on Wellness Insurance, by world-renowned economist Paul Zane Pilzer.
Source: Kenton H Johnson, MS, Denver CO.