When it comes time to select your healthcare benefits for your next Open Enrollment period, if you happen to see an increase in your healthcare premiums don't just look to blame your healthcare carrier...and don't just to blame your employer...but take a look at the employees your work with every day, and then take a look in the mirror! EVERYONE has the opportunity and responsibility to help control the healthcare costs within their own organization.
Studies show that employer and employee healthcare costs will probably double in the next six years. Additionally, the Federal government recently released a report which projects that by the year 2012, one out of every five dollars you earn will be spent on healthcare costs! You're employer can't afford that...and neither can you!
Did you know that your company's healthcare costs are based on the claims of your company's employees? The healthier your company's employees are...the lower your healthcare costs will be! If you really want to help lower your healthcare costs and contributions you, and your eligible dependents, need to take better care of yourselves and:
What you ultimately need to understand is that it's not the employees that are going to their doctors and are getting treatment that are going to incur high claims in the next couple of years...it's the employees that have health issues (and don't know it) that you should be worried about.
Look at it this way: If someone has high cholesterol and they're taking their doctor prescribed medication on a daily basis, the odds that they'll have a major medical cardiac event in the next couple of year is very low; however, it someone has high cholesterol and doesn't get their Preventive Care screenings and doesn't begin a regimen of prescription drugs or make essential lifestyle changes, the odds of them having a major medical cardiac event in the next couple of years is very high.
Do the math! Which is more cost effective: Your company covering the costs of a prescription drug (after your copay and/or deductible), or your company covering the costs if that employee has a heart attack or needs to have bypass surgery (again...after your copay and/or deductible)? These are the types of high claims that will cause your healthcare premiums to increase next year. And these are the types of healthcare claims that are PREVENTABLE.
At Corporate Synergies, our goals is to help you and your family lead happy and healthy lives. By taking just a few important steps you can begin to take control of your health and your healthcare costs.
* Case Studies are for illustrative purposes only. Services, timeframes and results may vary.