To lower premiums, you do not have to rely only on increased deductibles and copays, because there are other ways to redesign your benefits package without impacting the cost-sharing dynamics of your health plan or your company’s bottom line. According to the Kaiser Family Foundation (KFF) Employer Health Benefits Survey, HDHPs (High deductible health plans) are growing in popularity, and it could be because average premiums for covered workers in high-deductible health plans with a savings option (HDHP/SO) are lower than the overall average premiums for both single coverage and family coverage, irrespective of plan design or type.

Plan Design Impacts Utilization of Health Coverage

Typically, HDHP plans are accompanied by an HSA (Health Savings Account), which allows the enrollee to set aside a portion of their wages in a tax-free account that can be used for medical expenses. However, the low premiums in these increasingly popular plans come at the cost of higher deductibles, which can be in the thousands of dollars, discouraging enrollees from seeking care due to exorbitant healthcare spends before the plan benefits fully kick in.

Studies show that HDHP enrollees earning less than $75,000 are most likely to avoid low-cost primary care, which in turn can be detrimental to their health as well as your overall cost of healthcare. To check these rising costs, it is essential for employees and their dependents to have access to high-quality affordable care, and Envita Health™, a Managed Service Organization (MSO) is designed to provide just that. Irrespective of your plan design or type and whether you are self-insured or depend on insurance companies for your healthcare plan, you can enhance your healthcare benefits while reducing your medical costs with Envita’s revolutionary plan designs.

Powerful Initiatives for Stronger Benefits Program

Employee benefits serve as a crucial retention strategy as they have the potential to not only check employees’ health insurance costs, but also enhance their overall well-being. Envita Health™ plans have been designed by physicians themselves to help you and your employees experience all the advantages of the American healthcare system, while filtering out the waste, accounting for approximately 25% of total health care spending. Plugging these gaps in the system help to lower your plan costs as well as improve your offerings.

The following are important ways in which Envita Health™ helps you implement strong benefit strategies, which enhance employee affordability, while providing other incentives:

1. Innovative Wellness Programs for Prevention and Early Intervention

By utilizing advanced diagnostics, genetic profiling, and one-on-one coaching, Envita Health™ plans are designed to identify potential health issues early on, allowing for proactive treatment and reducing the likelihood of high-cost claims in the future​​​​. Envita’s customized employee wellness program, called Envita BioMed works best with self-funded plans, but their smart designs make them compatible for overlaying onto any other level-funded or fully funded plans as well. Designed by healthcare providers themselves, the BioMed program has the potential to go beyond standard health screenings and tests. For example, conventional lipid profile tests may not ensure protection against a cardiovascular event, which is why the BioMed Program enables testing for several other factors, such as Apolipoproteins and atherogenic lipid phenotypes. It also utilizes a simple blood draw to screen for 52 different types of cancers, which is one of the top three cost drivers of most employers.

2. Thoughtfully Designed to Address Employer and Employee Concerns

Personalized health coaching through Envita BioMed serves a crucial role in guiding your employees and their dependents towards appropriate preventive and wellness measures most suited for them. Through BioMed, members can access virtual telemedicine consultations for primary and urgent care, as well as mental health, which is another emerging area of concern.

3. Detailed Benefits Plan with Smart Intercepts to Check Diseases

Envita provides customized healthcare plans based on detailed claims data from each employer group. With proprietary billing algorithms developed by the Envita team, they can identify disease trends in each company’s employee population. This information enables the team to not only provide targeted preventive interventions tailored to addressing issues such as obesity, diabetes, and hypertension, but also offer smart intercepts to check disease progression in specific cases. Efficient management of these common conditions with not just standard but precision integrative treatment helps to check their exacerbation into other critical conditions, reducing your chances of incurring high-cost claims. Approximately 1%–2% of members drive 30%–35% of annual claim, and Envita’s health plans embed checks and balances in your system to reduce the chances of such high-cost claims, as the aim is to identify and proactively treat this high-risk group in every member pool.

4. Coverage for Integrative and Personalized Medicine

Envita Health™ integrates conventional and integrative medicine, leveraging over two decades of expertise in personalized medicine. This approach combines advanced natural and conventional treatments, providing more personalized and effective care that can lead to better health outcomes and cost savings​​​​, while also saving your employees’ out of pocket costs. Americans spend $30 Billion a year out-of-pocket on complementary health approaches, but now for the first time they can get coverage for care with their insurance. With Envita’s nationwide network of over 1.3 million providers covering both conventional as well as advanced integrative medicine, your employees and their dependents will have access to multiple options.

5. Revolutionary Pharmacy Care to Enhance Employee Health

Envita’s pharmacogenomics program assesses how employees metabolize medications, allowing for personalized drug prescriptions that are more effective and have fewer side effects. Additionally, Envita’s team of doctors may recommend drug-free alternatives, when applicable, to enhance employee health and reduce their dependence on long-term medications and associated costs​​​​​​. This level of care, based on guidance from doctors themselves, may help in addressing employers’ concerns over rising pharmacy costs. Envita Health™ also offers deep discounts on medications, while their partnership with an advanced custom compounding pharmacy enables them to provide drug-free alternatives as well.

6. Access to Centers of Excellence (COEs) for Superior Quality of Care

Envita’s second opinion program provides employees with access to expert consultations for chronic conditions and cancer diagnoses. This can help plan members explore more effective treatment options, potentially avoiding unnecessary procedures, reducing overall healthcare costs, ​​​and helping them progress towards a holistic recovery.

7. Advanced Telehealth for Concierge Care Navigation

Envita Health™ offers a concierge care navigation service that helps guide employees to the most appropriate healthcare services, for their specific condition. This service includes referrals to top-tier facilities and health care providers, based on their outcome scores, and access to alternative and minimally invasive care options, when required.

8. Cost Savings through Precision Medicine

By focusing on precision medicine, Envita Health™ team has devised plans for customizing care to the unique genetic and molecular profiles of employees. This targeted approach helps avoid ineffective treatments, reducing wasted time and money and providing better health outcomes at lower costs​​​​.

9. Transparency and Fair Pricing

Envita Health™ ensures transparent pricing and has mechanisms in place to prevent overcharging. For example, their Fast Fair Provider Pay guarantee ensures that any bill submitted will not exceed 200% of Medicare rates, protecting employees from excessive charges​​​​.

Call Us Today

Envita Health™ draws its strength from Envita Medical Centers, which is staffed by a team of specially trained physicians who have been treating chronic diseases and cancer with advanced personalized medicine for over two decades. The fact that Envita’s health plans are designed by doctors is evident from the pioneering features embedded into their plans, with the ultimate goal of improving outcomes. This focus towards the true health of your employees helps to earn their loyalty and paves the way to lowering their health insurance premiums as well as overall healthcare costs, while leaving you with more resources to enhance their benefits package. For any questions related to your health insurance plan, please feel free to call us at 877-214-8660. May God bless you on your healthcare journey!