Wellness SolutionsConsumer Driven Health Care

We directly engage your employees with the tools, knowledge and support they need to take control of their health and become better health care consumers, including:

• Direct access to health care dollars
• Accurate health information and decision support tools
• Quality data and behavior change tools
• Online cost estimators to understand the complete cost of care

We also offer a wide range of consumer-driven High Deductible Health Plans (HDHP) such as Health Savings Accounts (HSA) and Health Reimbursement Accounts (HRA).

• Wellness Tools and Resources

  We propel your business–by promoting wellness. Studies show that healthier employees are better for business: company health care costs, workers' compensation claims, disablility claims, and absenteeism go down, and presenteeism, productivity and morale go up. We provide powerful programs, tools, and resources to support individual wellness, at no additional cost. They're specially designed to incorporate established behavior science models, follow clinical guidelines, and help your employees understand: How to improve their health How to manage chronic conditions The variety of resources available to them The cost and quality of health care services

• Health Savings Accounts (HSA)

  What is it? An HSA is a tax-sheltered trust account employees own, for the purpose of paying qualified medical expenses for themselves, their spouses, and their dependents. When employees enroll in an HDHP, the health plan determines whether they are eligible for an HSA or an HRA based on information provided. How does it work? Employees' HSA contributions are either tax-deductible or pre-tax (if made by payroll deduction) Tax-free withdrawals for qualified medical expenses Interest earned on the account is tax-free Unused funds and interest are carried over, without limit, from year to year The employees own their HSA and it is theirs to keep, even when they change plans or retire The HSA is administered by a trustee/custodian

• Health Reimbursement Arrangements (HRA)

  What is it? An HRA is offered in conjunction with an HDHP, and is funded by the employer for each participating employee. It pays for eligible health care expenses typically covered under the medical plan. How does it work? Tax-free withdrawals for qualified medical expenses Credits in an HRA do not earn interest Optional carryover of unused funds from year to year HRA credits stay with the employer upon termination of employment The HRA may be administered by the insurance carrier or a Third Party Administrator (TPA) If HRA credits are exhausted, the employee is responsible for the remaining deductible before the plan begins to pay

• Health Incentive Accounts (HIA)

  What is it? An HIA is funded by employers in exchange for employees' participation in incentive programs that promote healthy behavior–from participation in exercise programs and attending health fairs to getting regular physicals. How does it work? HIA funds can be used to pay for deductibles, co-insurance and other items that would otherwise be paid for by the employees Employers are responsible for making the contributions Employees manage the account and control spending