It goes without saying that the less likely your employees are to be ill, the less will an insurance company charge you in premiums. Insurance companies want their clients to be healthy, just as their family and loved ones do.
Therefore if they take preventive health care measures it can lower not only the chances of your employees being ill but the insurance premiums that you pay for them as well. Some insurance companies even have tie-ups with fitness centers and wellness programs to give you discounts on the programs. They may even offer lower premium quotes.
Half the causes of death in the US are bad lifestyle choices. Cancer due to smoking, obesity due to bad eating habits, stress-related heart diseases due to overwork are all common causes of illness and death that insurance companies pay for. Having your employees sign up for preventive wellness programs will create a healthier workplace. It will also invite discounted premiums for health care plans that you offer them.
Big businesses spend more than $6000 annually on health care for each employee. Companies are constantly on the lookout for ways to save them costs in this area. A Virgin Healthmiles survey has shown that more than 90% American businesses are now depending on employee health and wellness programs to pay less premiums. They offer incentives in order to get more people to join. This has brought about significant savings in health care.
Small businesses are more hard-pressed to be able to cut costs on employee health care. A survey has revealed that almost half of American small businesses do not offer health care to their workers. This can be bad for the business by leaving workers dissatisfied and causing better workers to seek employment elsewhere.
Such small firms would benefit from a high deductible plan, a health savings account and by encouraging a healthy workplace. A health savings account will save the company as well as workers in taxes as well.
Conversely, many insurance plans encourage wellness programs and gym memberships, weight loss clinics and even weight loss surgery. They offer benefits and discounts for these are more. It ensures workers are healthier and there are less health-care costs in the long run.
If you are a business owner looking for lower medical insurance quotes, Orange County wellness programs can benefit not only your workers but the money you shell out for their health care as well.
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