We SIMPLIFY the process of wellness and insurance so you can focus on your passion.

Responsive. Detailed. Affordable.

“THANK YOU for recommending this plan over the one we were currently enrolled in. It provides better coverage at a lower cost.”

Family of five enjoying the benefits of good health

heylagostechie, Unsplash


Wellness Programs

  • Health & Wellness Coaching

  • Remote Patient Monitoring

  • Fitness, Health, & Wellness Education

  • Mental & Physical Health

  • Fully customized to the business


Insurance Broker

  • Accident, Health, Dental, & Life

  • Full or Self-Insured in Maryland

  • Fully Dedicated to Your Best Interests

  • Responsive & Same Day Call-backs

  • Licensed On & Off Maryland Exchange



  • Leadership Coaching

  • Communication, Influence, & Decisions

  • Time Management, Mindset, &  Goals

  • Habits, Productivity, & Impact

  • Strengths Identification & Optimization

Sensibly helps businesses develop positive ROI wellness programs that enable employees to thrive in health, performance, and leadership. This may include the option for external management of your company’s onsite wellness and fitness center.

This holistic approach goes well beyond nutrition and exercise. It addresses the fundamental reasons people neglect self-care especially when adversity strikes. Sensibly works with individuals to bring out intrinsic motivation through evoking change talk, self-efficacy, and a personalized approach that provides necessary skills and guidance for each individual’s success.

In essence, Sensibly saves your valuable time by putting the best coaching, software, curated resources, and insurance at your fingertips. The end result is employees hitting their stride in continual growth as they flourish in health, relationships, emotional well being, and purpose while business objects are exceeded.

Benefits businesses see with Optimized wellness:

  • $1920 / yr cost savings from chronic disease and lifestyle management programs in year 7
  • 66% drop in hospital admissions in year 7
  • Potential for flat insurance premiums (National avg. increased 17 – 22% from 2015 – 2020, Kaiser Family Foundation)
  • Higher employee engagement, attract top talent, and ~10% productivity increase
  • Improved creativity and impact with higher customer satisfaction resulting in greater company profits
  • Reduced employee turnover

Koop Health Award Winners Outperform S&P 500 Index Cumulative Stock Performance (study) +ROI for employee well-being

Not Convinced YET?

Case Study: Quest Diagnostics 2020 Winner of The C. Everett Koop National Health Award and Self-Funded Insurance

  • Cholesterol, blood pressure, triglycerides, and weight
  • ~$40 million saved over 4 years in health costs (only 10% done)
  • Positive employee engagement >80% satisfaction
  • Flat insurance premiums for 3 years

This graphic (right or bottom) is for illustration purposes to explain the concept of self-insurance. Premium reductions, stop loss, fixed costs, risk, etc. vary for each business. Even if your company decides to stay fully insured, health insurance premiums are based in part on experience. Hence, a trend of lower claims can potentially lead to lower premiums for fully insured companies.

Assumption:  100 Employees, $1000 / Employee / Month Fully Insured
(click to enlarge)

20 / 80 – Focus on TOP 10 – 20% of Spenders

Identify Opportunities
root cause of known & hidden areas


Implement Change
focusing on largest improvements first


Obtain Feedback
define & track KPIs measuring savings 


experimental mindset finding what works

BEST PRACTICES implemented by leading organizations

Welch Allyn 1700 Blood Pressure Monitor

Drawing Upon Intrinsic Motivation Through Personalized Coaching

Digital Infared Temperature

Establishing a Healthy Culture Like
Walking Meetings and Renewal

On-site Community Gardens and
Healthy Dining Options

Welch Allyn 1700 Blood Pressure Monitor

In-home Monitoring for Continuous Feedback on Progress

Welch Allyn 1700 Blood Pressure Monitor

Enhancing Communication,
Influence, and Impact

Digital Infared Temperature

Strategies to Improve Mental Health,
Stress, Mindset, and Memory

Curated Resources for Learning
Optimal Sleep, diet, and Exercise

Digital Infared Temperature

Lab Testing, Screenings and
Chronic Disease Management

Welch Allyn 1700 Blood Pressure Monitor

Smoking Cessation
Without Telling You What to Do

Digital Infared Temperature

Producer / Broker
Insuring Your Best Interests

Behavior Change Tools: Time
Management, + Habits, and Purpose

De-Identified Health Information
for Progress and Business Decisions

These are just a few of the highlights of the various strategies that can be deployed to help your employees and organization be successful long-term implementing a health, performance, and leadership program.

Photo credits include Myriam Jessier, Bonnie Kittle, Irina Iriser,  Linkedin Sales Solutions, Markus Spiske, Juan Garcia, National Cancel Institute and Brad Neathery on Unsplash.com.

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