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5 Elements of Health

Our Services

The Elements Health Plans Model has evolved from nearly 20 years experience in the health insurance and health promotion industry. Collectively our management team has over 100 years experience in health insurance, financial services, and worksite wellness.

It is Elements' belief that every client is unique. Based on that assumption, we create a work plan to gather data, identify a direction that makes sense, design the complete package, and communicate its details to the employees in an easy-to-understand format.

We are the leaders in integrated health plan models, and the possibilities are ready and waiting. That is why even brokers are asking us to design programs for their respective clients. The result is phenomenal: improved health among employees and dependents which leads to higher morale, less absenteeism, fewer claims, and more control over rising healthcare premiums.

Things That Don’t Work…

• The annual procurement process of shopping for healthcare and placing vendors on a spreadsheet. We need new, innovative thinking along with technologic solutions to better manage health plans, drive down spending, and proactively involve plan sponsors as well as members.
• Traditional disease-based health insurance disguised as "health plans." The traditional brokerage community fosters this kind of mindset by selling these products at the exclusion of almost all else. Furthermore, few, if any, employ qualified health professionals, or provide activities or programs that actually lower healthcare costs.

…And How EHP Fixes the Problem

We currently live in an environment where everyone feels vulnerable and anxious. It is therefore critical that employers become proactive by directly addressing employee concerns to develop a sense of trust. Together with our staff, who bring the human element back into the process, this approach strengthens workplace bonds on all levels.

Relationship building is not just a matter of empathy. In terms of healthcare, EHP allows you to rest assured that the services you procure are comparable to your current brokers, consultants, and administrators…with one important caveat: our services go far beyond what you get now, with systems that measure, monitor, and manage your health benefits from inception to implementation—through to success.

Our services include, but are not limited to:

CORPORATE BENEFITS CONSULTING

General Benefits Services

• Summary plan document review
• Regulatory and compliance updates (procedures)
• Claims data and coverage analysis reporting
• Prescription drug utilization analysis
• Network utilization reports
• Health and welfare plan budget reports

Lines of Coverage

• Medical
• Prescription drugs
• Dental.
• Vision
• Long-term disability
• Short-term disability
• Life insurance
• Section 125 (POP & FSA)
• COBRA administration
• Cafeteria plans
• Voluntary benefits

Funding Models

• Conventionally fully insured
• Minimum premium
• Partially self-funded.
• Administrative services only (ASO)
• Health Reimbursement Accounts
• Health Savings Accounts

Plan Designs

• Indemnity
• Preferred provider organization (PPO)
• Point of Service (POS)
• Health Maintenance Organization (HMO)

Corporate Insurance Services

• Funding of buy-sell agreements
• Key man life insurance
• Estate planning
• Disability buy-out insurance
• Individual executive carve-out disability plans
• ERISA summary plan documents

Retirement Plans

• 401(k)
• 403(b)
• Defined benefit plan

CORPORATE HEALTH MANAGEMENT

General Services

• Orientation seminars and organization of in-house wellness team
• In-depth claims analysis
• Benefits utilization education
• Customized password protected member's-only health website
• Monthly newsletter (on-line and paper)
• Personal health educator assigned to client along with a benefits consultant
• Internal marketing
• 24/7 advice line (health, finance, relationship, and more)
• Confidential & proprietary interactive health-risk assessment tools and services
• Biometric testing (lipid profile, thyroid panel, complete blood count, kidney, liver, and heart function study, glucose and blood chemistry analysis)
• Critical care and disease management
• Comprehensive health assessment for executives
• “Ask the Doctor!” service (email or telephonic)
• “The Wellness Guide” (English and Spanish)
• Coaching: proactive and continual (group or individual)
• Self-help guides
• Brown-bag workshops
• Incentives
• Worksite classes

Customized Services

• “Walk for the Health of It!” program (includes setup and seminars)
• “Eat for the Health of It!” program (includes setup and seminars)
• “Stop smoking for the Health of It!” program (includes setup and seminars)
• “Stress Less for the Health of It!” program (includes setup and seminars)
• “Financial management for the Health of It!”: on-line financial management software
• Health promotion library
• Prenatal program (includes setup and seminars)
• Human resource management software