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Wellness
Programs

Help employers save money and add benefits at no out of pocket cost

Featured product: Health Management Programs

employers


Health Management Programs

Health Management Programs are Self-Funded, Voluntary Limited Group Medical Plans with Wellness Benefits. They provide employees a systematic approach to improving lives using individualized strategies and one on one teaching. There are no other choices where your benefits can increase, take home pay will not decrease, and employers can save money necessary to grow their business! These programs are designed not to compete with group medical plans or traditional wellness plans and will create healthier and more productive employees.

For those companies who do not currently offer major medical benefits or who are seeking a Minimal Essential Coverage Plan, we also offer custom health management programs which integrate tax savings plans to reduce cost.

The Program
These plans are unique health management programs that use preventative care to create healthy living habits

  • Each month, the participating employee makes a post-tax premium payment for a self-funded, limited benefit medical indemnity plan and a standardized contribution to a Section 125 Cafeteria Plan

  • The contributions are deemed to be on a pre-tax basis and excluded from taxable income (Section 125)

  • The employee's income subject to payroll taxes is reduced and the plan reduces the payroll tax obligations of the employee and employer

  • The plan benefits provide a wide range of offerings for the diagnosis, cure, mitigation, or prevention of disease. All of the plan benefits are designed to allow participants and their spouses to take a proactive role increasing, managing, and maintaining their personal health

The Employer
Provides a voluntary self-funded plan to employees and benefits from payroll savings and a healthier workforce

  • It is an enhancement to an employer's existing benefits package. It is not a replacement or substitution for any existing health insurance or any employer wellness plan

  • The employer enjoys an average matching FICA tax reduction of $500 or more annually per employee

  • Control long-term employer healthcare costs. (Data shows preventative care actions should translate into lower future premiums)

  • No changes required in benefit plan, advisors, or payroll service

The Employee
There is no reduction in an employee's take-home income


  • The plan begins with a non-invasive confidential Health Risk Assessment (HRA) which provides a snapshot into the current health and lifestyle of each individual employee and helps identify any major risk factors that may be of concern

  • This information allows a team of health and lifestyle coaches to structure a personalized health management program for each employee that meets their current capabilities for physical activity and combats any risk factors to move toward healthier living habits

  • Participating employees are paid a fixed monthly indemnity claim amount from a self-funded, limited benefit medical indemnity plan



employees




Plan Benefits

Personalize your plan using online, interactive coaching to obtain the greatest amount of supplemental coverage with practically no additional out of pocket expense. Your options, your choices, your savings.

Benefits Include (depending upon plan choice):

  • Health Risk Assessment
  • Smoking Cessation Programs
  • Registered Nurses
  • Health Coaches
  • Full Service Telemedicine for the Entire Family
  • Dietitians
  • Certified Health Education Specialist
  • Stress Mgt Counselors
  • Fitness & Nutrition
  • DNA Screening
  • Organizational Wellness and Learning Systems
  • Spousal Coverage is Included with the Wellness Program
  • Additional Insurance Benefits may include Accident, Critical Illness, Hospital Indemnity, Cancer, and Cash Value Life





  • There is no cost to become a representative
  • This program requires a life & health insurance license
  • This program is available only in the United States
  • Representatives are not restricted by territories
  • Full training and support is provided
  • When filling out the registration form note "Wellness" in Primary Focus field and we will send you appointment instructions

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