programs, risk assessments and an onsite clinic. By doing this, care gaps can be readily identified (both age-based and diagnostic based) as well as monitoring compliance and progress. This data also allows the estimation of the next years cost based on the workforce and the history they have 2. Employees will have access to an affordable primary care clinic without deductibles or copays and be assured of superior outcomes. This will encourage individuals to get treatment early rather than waiting for a condition get out of hand that will possibly turn into a large health claim. Engagement is critical to optimize the offering. 3. As employers we will experience better productivity not only from more healthy employees but also from the fact that they can get treatment and return to the workspace in an average of 15 or 20 minutes. 4. Any treatment in the clinic does
not get turned in as a claim since the clinic is a fixed cost. Supplies, some drugs and most labs can be purchased at significant discounts through a national wholesale buying group. This causes claims to decrease and favorably impact the ratings for the health plan. 5. Health risk assessments with biometrics will allow the identification of employees with varying risks to be identified and guided through the onsite Health and Wellness program. In the end the employer has a healthier and more satisfied workforce, lower care costs, better productivity and comprehensive treatment that leads to superior outcomes. Without a similar program it will mean employers will continue to be in a reactive mode and remain on the same track for years to come. n
administration. In 1972, he started one of the earliest Third Party Health Administration firms for companies that were self-insured. The firm was also one of the earliest in developing software and processes for Section 125 programs to make health care more affordable. For over a decade, Bill has worked to develop a disruptive and totally integrated process for corporate health care. The method includes a focused disease state management platform through proven protocols and leading edge technology, driven by a fixedfee on-site primary care clinic. Resources Brownlee, S., Over Treated: Why Too Much Medicine Is Making Us Sicker and Poorer. 2007
1
Clayton Christenson, The Innovator’s Prescription, McGraw Hill
2
William Bennett, Chairman and Founder, WORKsiteRx. Since 1964, Bill has been involved in the field of health care
TURNKEY SOLUTIONS
If you’re an INSURANCE COMPANY – We can provide a turnkey solution. If you’re a PPO NETWORK – We can help you compete and grow. If you’re a BROKER – We can provide competitive National Network quotes. In business since 1984, Medical Risk Managers, Inc. is the largest MGU in the country! We underwrite over $250 Million of annualized Stop Loss premium and have a 28% compound annual growth rate over the last decade. Our block has generated many hundreds of millions in profits for our clients. Our superior service, seasoned staff, and our commitment to provide clients with first class, creative options are only a few contributors to our success!
Contact us at (800) 732-3248 or visit our website at www.mrm-mgu.com.
© Self-Insurers’ Publishing Corp. All rights reserved.
The Self-Insurer
|
October 2013
27