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Find a Cure for your sick medical plan |
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Find a cure for Your Sick Medical Plan Using HMO and PPO Plans that were designed 50 years ago to solve current medical problems has proven ineffective. Run away premium increases, cost shifting to employees and plan benefit reductions reveal the fundamental flaws of HMO’s: They have failed to make people healthy.
A look at the health of Americans today reveals how ineffective HMO’s and PPO’s have been:
- 65% of the population is overweight and 30% are classified as obese
- Diabetes incidence has increased by 50% in the last 10 years
- 430,000 people will die from tobacco related illnesses this year
- Millions of people will require expensive medical care for tobacco related illnesses
- The number of overweight children and teens has doubled since 1980
From these startling facts it is easy to believe that 70% of all healthcare expenses are spent for preventable and chronic conditions.
With these startling facts it is easy to believe that 70% of all healthcare expenses are paid for preventable and chronic conditions. Overeating, smoking cigarettes and consuming excessive sugar are all manageable habits that are detrimental to health and add billions of dollars to healthcare costs. Ignoring these problems will not solve them.
Get on the Path to Long-term Health
Today, an ounce of prevention could be worth thousands of dollars in savings to your company. Preventive health care produces healthy employees who:
- are on the job and productive for your company
- reduce sick pay and workers compensation costs
- reduce medical expenses
Every employee has different healthcare needs. A 28 year old, healthy single male will not require the same level of health expenditure as an overweight, 52 year old smoker. To improve health your modern medical plan requires flexibility of cost and benefits to meet each employees needs.
Know the facts: On average, only 7% of the your employees will use the medical plan heavily and up to 70% of your employees will use little or no medical benefits this year. You can remodel your plan based on current medical trends to achieve optimal employee health and maximize every penny spent on your medical benefits: You can remodel your plan based on current medical trends to achieve optimal employee health and maximize every penny spent on your medical benefits: - Employers and employees often save 30% or more on monthly premiums
- Proper education gets 50% of your employees to reduce their health risks
- 70% of your employees will need less than $1500 in medical care each year
A Single Source for Your Modern Strategic Health Plan
Marin Benefits and Insurance Services is your local resource for all things healthy. Our in-depth diagnostic evaluation of your current plans uncovers areas of excess medical expense and points the way to proper plan designs using all the tools available. Marin Benefits and Insurance Services is your local resource for modern health benefits.
Our CARE Services deliver what your employees need to achieve health and reduce costs:
- Compassionate Customer Service connects you to what you need when you need it
- Access to your health claims, records, appointments and advice all day everyday
- Resources for health and wellness activities
- Education drives changes necessary to improve health and manage disease
No single therapy can heal everyone just as no single medical plan can satisfy all employees. We prefer Kaiser Health Plans for their comprehensive care, multiple plan designs for small business and easy local access to care. Each person has unique medical priorities and Marin Benefits builds custom employee benefit plans one employee at a time. Click here to see the savings possible with our Sample Plan .
We even have a plan design to help the Employer accumulate personal savings to help pay for medical expenses after retirement!
Price is Just the Beginning. Control of Future Health Costs is the Reward.Throughout the year we provide your employees with a plan that meets their health goals and improves your bottom line. With a long-term healthcare strategy in place you and your employees become partners in healthy lifestyles and longevity. Employees and employers are able to accumulate personal savings accounts from the medical plan premium savings each month.
You convert premium dollars into savings dollars that remain in your control. It’s the best benefit an employer could ever offer!
All year long we provide your employees with a plan to meet their health goals and improve your bottom line through:
- Education to enhance health and reduce the severity of chronic conditions
- Wellness Program that rewards healthy habits
- Reduction and Stabilization of medical premiums
- Improved morale, productivity and profit for your business
With a long-term healthcare strategy in place the employer and employees become partners in healthy lifestyles and longevity. Employees and employers are able to accumulate personal savings accounts from the premium savings each month.
You convert premium dollars into savings dollars that remain in your control. It’s the best benefit an employer could ever offer!
Click here to get a personal health plan check up for your business from Marin Benefits
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