In an environment of rapidly rising premiums and deductibles, non-traditional products and services help mitigate health care costs, promote educated consumerism, and reduce out-of-pocket medical expenses for the insured, uninsured and under-insured.
Annual double-digit premium increases, far out-pacing inflation, are simply unsustainable. Employers providing coverage to their employees have no choice but to raise deductibles and raise or eliminate co-pays just to keep annual increases in the single digits. $10 co-pays and $100 deductibles are a thing of the past. Today, employees are being asked to self-insure through higher deductibles, higher/no-copays and higher employee premium contributions.
A majority of Americans are insured under plans with deductibles at or exceeding $2,500. Less than 11% meet their deductibles each year, and for those with a $5,000 deductible plan that figure is less than 5%. As a result, employees are actively looking for alternatives to fill the gaps and stretch their hard-earned dollars.
As employers and individuals navigate a changing health care landscape, it is imperative to educate ourselves about the products and services available to help employers provide employees with meaningful discounts and services they might not otherwise have access to in their daily lives. Non-traditional benefits such as Doctors by Phone, Doctors Online and Medical Health Advisor help the insured, uninsured and under-insured save time and money.
DOCTORS BY PHONE
Speak to a physician anytime, anywhere
Avoid unnecessary doctor, ER and urgent care clinic visits
Treatment for common ailments such as upper respiratory infections, flu, allergies
Get a prescription, when necessary
Email and Smartphone App access doctors, dentists, pharmacists, psychologists and nutritionists
Online medical library
Healthy Lifestyle Assessment to help employees monitor their current health status
Personal Health Record provides secure storage for health information
Weekly Health Tips authored by physicians and delivered by email
MEDICAL HEALTH ADVISOR
Personal Health Advocates
Navigate the complex health care and insurance systems
Save time, money, and get the most out of health benefits
Team of nurses, medical directors, administrative and insurance experts
Experienced registered nurses available 24 /7 help employees understand self-care options based on doctor-approved guidelines
Unbiased health info to make informed decisions
Lower out-of-pocket costs on medical bills not covered by insurance
Advocates work directly with doctors, hospitals and dentists to lower the balance on uncovered medical or dental bills over $400
To learn more about non-traditional worksite benefits, join moderator Joel Ray, CEO of New Benefits, and panelists from Fringe Benefit Group, Teladoc, eDocAmerica and Health Advocate in Chicago at Workplace Benefits Transitions on Wednesday, Dec. 11th at 4:00 p.m.
Register or login for access to this item and much more
All Employee Benefit Adviser content is archived after seven days.
Community members receive:
- All recent and archived articles
- Conference offers and updates
- A full menu of enewsletter options
- Web seminars, white papers, ebooks
Already have an account? Log In
Don't have an account? Register for Free Unlimited Access