BenefitsLab

Professional Employee Benefit Consultants and Brokers

One of the main issues with benefit plan designs is they do not address the problems that run up costs (chronic disease). There is a misalignment between the plan design and desired outcome. A spreadsheet at renewal time is not a strategy. Anyone can raise the deductibles and copays and pass costs along to employees. At some point, cost-shifting (asking employees to pay more or reducing the benefits) will discourage employees from seeking recommended prevention services, thereby leading to worse health outcomes and increased costs. The Behavior Driven Health Plan (see the link on our website) eliminates that misalignment. Immediate savings come from plan design changes that use incentives to influence employee behaviors to improve their health.