How MEC plans are a great benefit to employees and employers

How preventative and wellness benefits employee and employerEach year, preventable chronic diseases are responsible for millions of premature deaths among Americans. Because health problems impact productivity, they are a major drain on the U.S. economy, resulting in 69 million workers reporting missed days due to illness each year. This loss of productivity reduces economic output by $260 billion per year.

Under the Affordable Care Act (ACA), the overarching goal of the National Prevention Strategy is to increase the number of Americans who are healthy at every stage of life. Nationally, Americans use preventative services at about half the recommended rate. Chronic diseases, such as heart disease, cancer, and diabetes, are responsible for 7 of every 10 deaths among Americans each year and account for 75% of the nation’s health spending. These chronic diseases can be controlled with preventative and wellness care and detected earlier with appropriate screenings.

Businesses can greatly benefit by allowing their employee’s access to preventative and wellness programs because a healthier workforce reduces long term health care costs, and increases stability and productivity. With better health, adults are more productive and show up for work more often. Preventing disease increases productivity – asthma, high blood pressure, smoking and obesity each reduce annual productivity by $200-$440 per person.

Minimum Essential Coverage (MEC) plans regulated by the ACA include a wealth of preventative and wellness benefits including but not limited to:

  • Diabetes Screening
  • Immunizations
  • Depression Screening
  • STI Counseling
  • Contraception
  • Heart Disease Prevention
  • Colon Cancer Screening
  • Skin Cancer Counseling
  • Breastfeeding Counseling
  • Breast Cancer Screening
  • Autism Screening
  • Dental Cavities Prevention
  • Iron Supplementation
  • Blood Pressure Screening
  • Tobacco Use Interventions

The right preventative care at every stage of life helps all Americans stay healthy, avoid or delay the onset of disease, lead productive lives, and reduce costs. The FreedomCare MEC plan includes all of these benefits and more. Give us a call today.

U.S. citizens pay 3 times more for RX drugs

Americans Pay 3x more for RX drugsAccording to a study conducted by Reuters, Americans pay 3 times more for certain prescription drugs than Great Britain, on average. Not only that, U.S. prices are 6 times higher than in Brazil. Prices for top brand-name drugs jumped 127% between 2008 and 2014 and continue to climb.

As a broker, what can I do to help?

You can give employers access to discount RX programs like those available through FreedomCare. Each FreedomCare plan includes services that allows individuals and families to find the drug at the best current rate, compare cash pricing versus insurance co-pays and have the prescription sent to the pharmacy with the best price and most convenient pickup.

Give us a call to learn more about how you can offer this to your clients at no additional charge.

The ACA is hear to stay.

ACA is here to stayAccording to NBC news, 9 in 10 in Americans have health insurance. “More than 7 million people who didn’t have health insurance last year got coverage this year.”

With the ACA being such a hot topic among presidential candidates, it will be an uphill battle to repeal. It seems like the ACA is here to stay.

American attitudes about the law have become more positive in recent months and the Supreme Court is on board. The time has come and passed for employers to ensure their compliance.

Just in case you have been living under a rock, employers are facing major penalties that have the potential to bankrupt their companies if they don’t get a compliant plan in place.

Be careful, there are a lot of non-compliant plans out there that will leave you vulnerable. Check out the FreedomCare difference to learn how FreedomCare stands apart from everyone else to make sure your business is protected.