Health Benefits for Employees
Preventative Health Services are a mandated benefit of the Affordable Care Act and covered at 100% by all ACA compliant health plans. These covered services are defined as a specific set of age appropriate screenings for several forms of cancer, diabetes, and other conditions. Preventative care also includes an annual wellness exam for adults, in which patients will typically have their weight, body mass index (BMI), blood pressure, cholesterol, and glucose levels checked. These check ups once per year enable individuals to monitor their overall health and identify areas where they may need to become healthier.
It’s difficult to get some employees to go in for annual wellness exams, even when their health plan covers it at no cost to them. Sometimes individuals prefer not to know their health status. Sometimes it’s a struggle to make the time. Often people think that their health is fine so they don’t need an annual exam, but in more cases than not; they could have borderline conditions like high cholesterol or high blood pressure which would be identified during the check up and though it might not be an emergency, a degenerative condition could lead to serious health problems later, health problems that could turn into high dollar claims on your company’s health insurance policy.
How to Create Buy-in
Encouraging your employees to receive their annual screenings is one way to prevent catastrophic claims later. Some employers make annual wellness exams a mandatory step in order to have access to a free or reduced gym membership. Some employers offer a discount to the employee’s health plan premiums if they get their screenings done. Others provide a yearly health fair onsite at work. They invite health related vendors to join the fair, provide screenings, and advertise health initiatives. Your employees get some freebies and the information necessary for them to make healthy changes, and you get employees that are more engaged in their personal wellness.
However you create buy-In and achieve participation from your workforce, it’s important. Employees will know where their health stands and have access to resources that will improve or maintain their overall health.
How it Benefits Employers
In addition to helping prevent catastrophic claims from hitting your health plan, healthy employees are sick less often and more productive at work than those who allow chronic conditions to escalate. This adds up to more manageable insurance premiums and soft cost savings to the company but it also lowers the employee’s portion of the premiums and thus, allows you to provide them with better health insurance coverage for the price you are both paying.
Ultimately when your employees are healthy, they’re more efficient, engaged, and energetic. By providing them with the opportunity to make informed decisions about the maintenance of their health, you’re showing that you value and are invested in their personal well being.
At Summerlin-Roberts we understand your desire to provide quality health insurance coverage for your employees while still respecting the constraints of your budget. We can provide a variety of resources and the support your need in order to make informed decisions about employee benefits.