what is a employer sponsored healthcare plan?

Employer Sponsored Healthcare Plans are NOT insurance and is not intended to replace traditional group health insurance or Worker's Compensation Insurance.

Employer Sponsored Healthcare Plans allow employers to contract with Doctors and Clinics to provide basic medical services for their employees at a fixed monthly cost per employee. Employees are provided basic routine medical services in a clinical setting without a copay or office visit charge. Limited basic routine diagnostic lab work is included in the plan. See plan summary for list of procedures covered.

Also included in the program*:

Prescription Discount plan*
Dental & Vision Discount plan*
24/7 Nurse Call Service*

*These DISCOUNT plans are provided to THE EMPLOYEE and family members at no additional cost.

Disclosures below apply ONLY to the complimentary Discount Program provided and no payments are made for covered services under this program:

This plan provides discounts at certain healthcare providers for medical services

This plan does not make payments directly to the providers of medical services

The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization

Many medical conditions such as Hypertension, diabetes, or acid reflux can become an expensive complicated conditions if not diagnosed and treated in the early stages of the disease. We can help keep your employees happy, healthy, and productive.

Why purchase a employer sponsored healthcare plan?

Employee Health Insurance premiums continue to increase beyond the reach of many employers. If employees are required to contribute any portion of the premium, many choose to exclude themselves and then often do not seek medical care for basic needs due to the high cost of a doctors visit. Minor injuries and illnesses reduce employee productivity and if left untreated usually results in extended lost time from the workplace.

Employer Sponsored Healthcare Plans are designed to provide basic medical care for employees in a clinical setting at an average of 75-90% less expense to the employer than traditional insurance plans. Actual Insurance claims data indicates that over 98+% of all employees encounters with medical providers occur at the doctors office.

Employer Sponsored Healthcare plans cover the most common needs of employees without a copay or office visit charge removing financial obstacles to seek immediate treatment for common medical problems. Numerous studies have shown that ill employees are more likely to incur job related injuries. Our goal is to help you keep your employees at work, happy, healthy and productive.

The Basic Concept:

Get Well

Providers diagnose, treat, and prescribe medications for many routine medical conditions.
Respiratory Allergies, Colds, Flu, Cough, Sinus Infection, Strep Throat, Sore Throat. Head, Ear and Eye; Headache, Earache, Swimmer's Ear, Pink Eye, Styes. Skin, Hair and Nail; Minor Skin Infections and Rashes, Minor Burns, Minor Cuts, Poison Ivy, Insect Bites, Lice, Nail and Foot Fungus, Cold Sores, Warts. Digestive and Urinary; Nausea, Vomiting, Diarrhea, Irritable Bowel Syndrome, Urinary Tract Infection, Bladder Infection

Stay Well

Disease Counseling Monitoring; Asthma, Diabetes, High Cholesterol, High Blood Pressure, Weight Management

For Large employers or Self Funded employers:

We are able to provide 'on-site' or 'near site' Company Clinics. Let us show you how you can reduce your claims expense with this cost efficient approach to employee health care.

Bob G. Shupe, author of "The Bitter Pill, Where did my benefits go?"* states; "A growing out-of-the box solution to rising health care cost is 'on-site' medical. ~~ In my opinion, based on years of research, 'on-site' medical is the next 'big thing'. This is the answer."

*"The Bitter Pill" Book is available at: www.bitterpillbook.com

For Self Employed Sole Proprietors:

Through our affiliation with Insurance Agents and Agencies we are pleased to assist your firm and employees with any traditional insurance needs. Please contact us detailing your specific needs.

Insurance products are available for those who desire to purchase additional coverage to supplement this plan such as: Catastrophic Coverage; Deductible only plans with deductibles from $500 to $10,000 [subject to individual medical underwriting]. Critical or Specific illness plans; Plans to cover specific illnesses such as cancer, heart attacks, accidents etc...

THIS PLAN IS NOT INSURANCE OR INTENDED TO REPLACE INSURANCE