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Getting Started |
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FAQs
1. What is the "Participatory Underwriting Design System™"?
The Participatory Underwriting Design System™ is one of the most innovative
features of the EngagementHealth products and service offering. Using the Participatory
Underwriting Design System™ the broker/employer/plan sponsor can set the employee
dollar incentives at amounts which assure the self-funding of the EngagementHealth
disease prevention and health promotion programs. EngagementHealth uses a patent-pending
computer modeling system to calculate the levels of participation and adherence
for the EngagementHealth programs at various specific incentive amounts. The accuracy
of this design system is the product of years of experience with incentive based
health promotion programs. If the employer elects to use the self-funding model,
EngagementHealth assumes the risk that its payment will be funded from the dollar
difference between what non-participants/non-adherents pay and what participant-adherents
pay for their medical contributions and from actual adjusted trend reductions in
medical claims.
2. What are “Employee Contribution and Tier Adjustments”?
The Broker’s Portal is a dynamic tool that allows the Registered Broker to
collaborate with the employer-plan sponsor on the key features of plan design including:
setting employee contributions (by tier and by plan type) as well as setting incentive
amounts. Once you have entered the plan data and you are reviewing the proposal,
make sure you review the impact that incentives amounts will have on the non-participants/non
adherents. If the percentage increases need to be changed you can make Employee
Contribution and Tier Adjustments by simply returning to the contribution data in
Step Two and adjusting the contribution levels by tier.
3. Why should I consider using Wage Banding?
Group medical benefits are generally offered to employees on a pre-tax basis, i.e.
the value of the medical plan coverage is not included on the employee W-2 and not
included in the IRS definition of taxable compensation. As a result of this a disproportion
of the tax savings accrues to the benefit of the higher paid employee. Wage Banding
for the incentives provides a fairer allocation of the tax savings.
4. My client would like to offer the program absorbing EngagementHealth’s full
cost. Can the program be structured in this way?
Yes, the program and its incentives can be designed to provide for full payment
by the employer. Incentives will still be used and serve to reduce adherent participants
overall costs. Contact EngagementHealth for this custom designed approach.
5. Why doesn't the program extend to the children?
EngagementHealth recognizes that there are health concerns associated with the dependent
children of employees. However, in most cases they have not yet resulted in a chronic
preventable disease state that is impacting the employer's costs to a great extent.
Also, it is felt that the improved medical condition of the employee/spouse will
have a trickle down effect on dependent children without the adherence requirements
of participating in a program.
6. How long does it take EngagementHealth to implement the program once a Contract
is signed?
This is somewhat dependent on if the EngagementHealth program needs to be coordinated
with the annual enrollment process of your client. We would like a minimum of 45
days to implement a program. If less time is available, please contact EngagementHealth
to discuss.
7. Can you provide more details on the "Off Cycle Start" and its costs?
Sure. Some of your clients may be interested in implementing the program prior to
their annual renewal date. In this case EngagementHealth strongly recommends that
a modified Core Prevention Program be implemented as soon as reasonably possible.
In an Off Cycle Start EngagementHealth will install a health kiosk and commence
registration, health screenings, the HPQ and the Core Calls with ACs. This has the
advantage of familiarizing employees with the programs adherence requirements prior
to the implementation of the full fledge programs that include TaRPs. A per participant
fee of $15/Month (subject to change) is charged for this early start. [Standard
commissions are paid on the fees generated by an Off Cycle Start.]
8. Is there a minimum number of participants required by EngagementHealth? A maximum
number?
EngagementHealth can accommodate any size employer no matter how small or large.
However, if your client has less than 100 employees, please call EngagementHealth
to discuss any special set-up fees or other requirements that may be necessary.
9. EngagementHealth indicates this is a turnkey program, but what is expected of
my client in implementing this program?
EngagementHealth needs a space for its Kiosk including connectivity, access to employee
meetings to communicate the programs and a contact to the payroll/HR systems in
order to process the payroll changes required by participation in the programs.
Beyond these requirements the level of involvement is completely up to the employer.
On an ongoing basis the Broker is only involved to the extent he/she wants, though
there is an expectation that they will provide EngagementHealth with information
required for the implementation of the programs.
10. Who do I contact if I have a question about EngagementHealth Programs?
Contact Paul Sollitto at EngagementHealth. Ph. No. 866-692-1979, ext 203 or email
paul.sollitto@engagementhealth.com
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