Healthy employees lead to lower health insurance costs!

Insurance is not hard—premium paid in versus the cost of medical care and administration. When the premium paid in is less than the insurance company's expenses, premiums are increased. Less medical expenses by employees, less annual rate increase. Thus the need to develop a "Culture of Wellness".

Included in the cost of a company's health insurance premium, are several wellness and related programs. Braden Benefit Strategies uses the insurance carrier's wellness options to create a wellness plan unique to the client’s needs and culture. We then work with management on employee education and implementation of the client's wellness programs.

It is important to note insurance companies do not pay attention to an employee until they have a large claim. By then, the claim has already affected your rates. We believe in being proactive, providing our clients with programs that will create incentives for employees to lead healthy lifestyles and hopefully avoid these events. Early detection, using health risk assessments and other available programs are essential in controlling long-term premium increases.

Braden Benefits will coordinate throughout the year with your HR Department on suggested communications to employees concerning healthy eating, smoking cessation, regular exercise, etc. Experience has taught that statistics move employees to action regarding changes in their physical health. Braden Benefits supplies our clients with these statistics on a frequent basis — complete with a template to be copied and passed directly to your employees.