Supplement Preventative Health Management
Plans for large employers with significant tax incentives.
Healthier employees. Healthier employers. Healthier businesses.
Healthy employees are absolutely critical to sustaining a healthy business. When employees are healthier, they’re happier, more productive, and better equipped to enjoy their lives both on and off the job.
The Live Life Healthy plan is a supplemental preventative health management plan designed to help large employers address the challenges of keeping their workforce healthy with a plan that offers a health benefit at zero net cost to both employer and employee.
Through The Live Life Healthy plan, subscribers gain access to a full range of comprehensive healthcare programs and services, a world-class combination of telemedicine, screening, testing, coaching, and much more. It includes many of the most important tools needed to live a healthier life in a convenient, user friendly package.
The Live Life Healthy plan allows employees to pay for qualified health care with pre-tax dollars in accordance with Section 125 of the IRC tax code. Through the plan’s premium, members effectively reduce their taxable income and enjoy an increase in their paychecks.
The result is an increase in pay for the employee and higher profitability for the company. Everybody is healthier, and everybody wins!
PLAN DETAILS & INFORMATION
- The Live Life Healthy plan provides supplemental Preventative Health Plans designed specifically for staffing.
- Plan premiums are paid pre-tax, which reduces the FICA contribution for the employee, which in turn reduces the FICA contribution for the employer.
- Open enrollment at any time of the year.
Does not interfere with any existing medical plans.
- Net Zero cost to the employee.
- Substantial tax savings for the employer.
All legal due diligence provided at our expense.
- We cover all costs to integrate with the staffing company’s software, payroll system, on-boarding, implementation, etc.
- On-boarding takes from 4-8 weeks, and savings for employers begin immediately after enrollment.
Contact One of Our Agents Today.
LLH Healthcare Program
Plan Benefit Details (1-5)
Supplemental preventative health management plans with significant tax incentives.
Employees will enjoy new health benefits AND an increase in their paycheck. Best of class wellness products combined with supplemental health insurance. It’s a new approach to insurance that benefits both your employees and your business.
1. PLAN PREMIUM:
PLAN PREMIUM: $1200/MONTH
2. FIXED INDEMNITY BENEFITS Filed directly with Insurance Company
2.1. Initial Hospital Admission $500 (max 1 day)
2.2. Daily In-Hospital $200/day (max 30 days)
2.3. Emergency Room Benefit $100 (max 1 day)
2.4. Ambulance Benefit $100 (max 1 day)
3. FIXED INDEMNITY BENEFITS QUALIFYING EMPLOYEE FOR $1000/ MONTH HEALTH MANAGEMENT CLAIM INCLUDED IN PAYCHECK
3.1. Digital and Online Wellness Coaching (managed by ERC, 100% employee participation)
Custom programs designed for long-term success. Led by expert nutritionists, personal trainers, and life coaches help facilitate pos¬itive behavioral changes to improve overall health. From smoking cessation to weight management our experts provide structure for self-confidence, control over their behavior, and environment. Mem¬bers participate via phone, providing convenient education, training, and encouragement privately with convenience.
3.2. Go! to Sleep℠
Get your best sleep, starting tonight. Our six-week online course, backed by The Cleveland Clinic, will help identify and resolve thoughts and behaviors interfering with restorative sleep. Our Go! To Sleep℠ program happens in the comfort of your home.
3.3. Be The Bright
In this current health climate, reducing stress is a must. In six weeks, our Cleveland Clinic Stress Free Now Program will increase positive emotions and energy. Relaxation techniques to help reduce stress with real-life strategies that will help manage your body’s stress reaction.
3.4. Annual Human Performance Assessment
In collaboration with Harvard, Aduro offers the Flourishing Index which gives an overview of your performance. Your program will con¬figure with customized paths based upon the results of your Flourish¬ing assessment.
3.5. Wellmetrics Home Test Kits and Vouchers
Home screenings provide your employees with the opportunity to take meaningful action through a convenient and supportive expe¬rience. The data ties seamlessly back into your well-being program; allowing individuals to track their progress and for you to better understand the health of your organization.
24/7 unlimited access to a national network of licensed doctors via phone or video chat. Providers can help diagnose and prescribe in real-time directly from your mobile device.
3.7. Mental and Behavioral Health
Emotional well-being. You cannot address health and well-being without addressing mental health. It’s important to emphasize pro¬active promotion of emotional well-being and flourishing. Using a variety of entry points and modalities, our solution has more than 3x the engagement compared to offerings like EAP. We see strong, clinically-validated outcomes from these engagements.
3.8. Full Form Behavior Change Paths and Mini paths
Multi-modal learning activities and paths curated to engage and activate behavior change. Examples: All About Anger, All About Boundaries, Dream Big, Fast Fitness.
3.9. Usage Statistics and Reporting Dashboard
Dashboard allowing reporting and tracking of program usage.
4. NON-CPT CODED ADDITIONAL HEALTH MANAGEMENT BENEFITS
4.1. Medical Pricing Transparency
A pricing tool that allows members to conveniently source qualified physicians, view medical procedure pricing information, and com¬pare medical pricing in various geographic areas. Shop for affordable care in a location that is convenient for you and make informed decisions regarding your healthcare. Search for services or proce¬dures you need, compare costs and save money on out-of-pocket medical expenses.
4.2. Pharmacy savings
Medications must be prescribed by a 1.800MD physician during a telehealth consultation to be eligible for this program. Pharmacy Rx Savings feature, access our database and view precise drug costs. We offer six options to save and obtain prescriptions, including pharma¬cy pick up at 60,000+ pharmacies nationwide. 1.800MD Free Prescrip¬tion Program* provides International Pharmacy access for specialty and high-cost drugs and enables you to obtain the most commonly prescribed telehealth medications at zero cost.
4.3. ID wallet
My ID Wallet is an innovative tool that enables you to enjoy secure digital storage of your benefit information, such as insurance cards, vaccination records, travel insurance and more. Easily upload and update all of your cards/documents and eliminate the need to carry sensitive information with you—it’s available digitally.
4.4. Health Records
Access records anywhere, anytime via an internet or broadband con¬nection. Review test results, access your medications, and share your information with healthcare providers, and family members. Set and track personalized health goals into apps/tools function.
4.5. Healthcare Liaison
Every Aduro member is given access to an expert Healthcare Liaison who will assist with scheduling medical appointments, researching providers and procedures, working with physicians to lower prescrip¬tion costs, and advocate on your behalf. Our Healthcare Liaison provides access to knowledgeable and compassionate professionals to help navigate the healthcare industry so that you’re informed and maximize your time and savings.
4.6. Medical Billing Review
Complimentary review* to help understand and manage your healthcare costs, with significant savings—up to 80%. Our expert medical advocates negotiate directly with hospitals and providers, on your behalf, with the goal of achieving discounted bills and accommodating payment terms. Our proactive advocacy services ensure members receive accurate costs and pay fair prices for medi¬cal assistance.
4.7. Insurance Plan verification
Your expert Healthcare Liaison, available to all Aduro members, can help you with the Insurance Plan Verification process, simplify com¬plex medical bills, answer any questions you may have regarding your benefits/coverage, and identify savings opportunities.
5. EMPLOYEE INTERFACE TO PLAN BENEFITS
All interaction with the plan can take place on Aduro Smartphone Apps or online via a web browser. Once the user is logged in they can easily access all the features in one place.
5.1. In the rare cases where employees don’t have convenient access to the Internet, Wellness Coaching can still be conducted via mailings to the employee address on file.
6. IMPLEMENTATION PROCESS
Talk to one of our experts today.