Prosperity Plus
The Need
Having a low deductible is what most brokers think keeps employees financially protected and happy, however, this has negative collateral effects:
High premiums, for everyone on the plan, even if they don’t meet their deductible.
Average deductibles keep going up, so low isn’t what it used to be. Approximately 40% of Americans are able to even pay for $1,000 in unexpected expenses, so a low deductible of even $1,500 per person is still financially ruinous to staff.
Employees have no skin in the game or ability to select providers based on outcomes, quality, value, etc. One surgery means your deductible has been met and the employer pays the rest, whether it is 15k or 130k.
Your Cost-Free Care Options
We continue to iterate and incorporate cost-free care options to your valued staff, and typically, these choices are engineered to offer options of vetted, high-quality providers and facilities as part of the decision matrix. While that may sound complex, to your staff, the choice is easy: utilize the plan in a traditional sense, or engage the health plan concierge or employer-provided program to learn about cost-free options. Our custom-built health plan model empowers your staff with options, all of which are designed to produce optimal financial and health outcomes. Imagine that!
