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Savings Today. A Lifetime of Health.

The Proactive Health Management Plan’s limited benefit health insurance plan allows for a complete solution that provides FICA savings today and, by providing proactive health measures, can reverse declining employee health, which is proven to reduce medical spending and allow employers to enhance benefit offerings at a surprisingly affordable cost to employees and employers—virtually zero. These long-term impacts can allow self-insured groups to see a reduction in claims utilization and premium increases over time.

TODAY

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EMPLOYER SAVINGS

Employers may realize an annual average savings of
up to $450 per employee participating in the PHMP through reduction in payroll tax liability.

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ATTRACT BETTER CANDIDATES, RETAIN CURRENT TALENT

Whether you are looking to attract better candidates with a robust selection of health care options or retain current talent, a more comprehensive benefit package sets you apart from other employers.

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INCREASED BENEFITS AT SURPRISINGLY AFFORDABLE COST

Proactive Risk Solutions increases your current benefit offering to present and future employees, in most cases without adding any out-of-pocket expenses.

TOMORROW

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FEWER HIGH-COST MEDICAL VISITS

Our telemedicine program provides a nurse hotline and physician consultation that can decrease physician visits, urgent care visits and trips to the emergency room—all of which reduce medical costs.

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INCREASE YOUR BENEFIT OFFERING

The additional services provided by the Proactive Risk Solutions program enhance your current employee benefit offering.

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REDUCE POTENTIAL EXPENSES

Based on data compiled by our Health Risk Assessment and health coaches, Proactive Risk Solutions’ PHMP and consulting can identify and safeguard your high-risk employees.

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REDUCED CLAIM UTILIZATION

According to a study by the U.S. Department of Health and Human Services, as your employees see improvements in their health and lifestyles, you may see a reduction in employee-filed claims, stabilizing the benefits and costs of your core medical plan offerings.

IN THE FUTURE

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PREDICTING YOUR RISKS

Proactive Risk Solutions’ PHMP can help you prepare for the future by analyzing current and potential health risks afflicting your staff.

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CUSTOMIZE FUTURE MEDICAL PLANS

By leveraging the data collected through employee interactions, Proactive Risk Solutions data can customize future medical plans to maximize coverage while minimizing expenses.

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