Health and Performance Programs and Insurance for Businesses

Photo by Leon on Unsplash
Sensibly helps businesses develop positive ROI wellness programs that enable employees to thrive in health and performance. Furthermore, for businesses in Maryland, Sensibly is a producer / broker for accident, health, and life insurance that works on your company’s behalf to ensure your needs and budget are met. 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.
Highlights of Services
Wellness Programs
Coaching, Remote Monitoring, Education
Mental, Physical & Social
Fully Customized to Business Needs
Insurance Broker
Accidental, Health, Sickness, Dental, Life
Full or Self-Insured (Maryland)
Working to Achieve Your Best Interests
Performance
Productivity, Communication, Impact
Time Management, Mindset, Goals
Habits, Passion, Optimizing Stress

Businesses see the following benefits:
$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, attact top talent and ~10% productivity increase
Improved creativity and impact with higher customer satisfaction resulting in greater company profits
Another study summarized that stock performance of C. Everett Koop National Health Award winners outperformed the S&P 500 Index over a 14-year period. This study supports prior and ongoing research demonstrating a higher market valuation of socially responsible companies that invest in the health and well-being of their workers versus their peers.

Help Your Company Become Self-Insured When Ready
Fully Insured Vs. Self-Funded Health Insurance
Assumption: 100 Employees, $1000 / Employee / Month (Fully Insured)

This graphic is for illustration purposes only 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.
80 / 20 Rule – Focus on the Top Spenders First
Prevent chronic / end stage disease, Use Out vs. Inpatient, and Improve Mental Health

Keeping Your Employees Healthy and Engaged

Image Credit: heylagostechie, Unsplash
Best Practices Implemented by Leading Organizations

Drawing Upon Intrinsic Motivation Through Personalized Coaching

Establishing a Healthy Culture Like
Walking Meetings and Periodic Renewal

On-site Community Gardens and
Healthy Dining Options

In-home Monitoring for Continuous Feedback on Progress

Strategies to Improve Mental Health,
Stress, Mindset and Memory

Curated Resources for Learning About
Optimal Sleep, Nutrition and Exercise

Enhancing Communication, Decisions,
Influence and Impact

Lab Testing, Screenings and
Chronic Disease Management

Behavior Change Tools: Time
Management, Positive Habits and Purpose

Smoking Cessation
Without Telling You What to Do

Producer / Broker
Insuring Your Best Interests

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 and performance 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.
Difference for Success
Identify Opportunities
Discovering the known and hidden problems areas and exploring root cause
Implement Change
Intense focus on factors leading to the largest improvement
Obtain Feedback
Define measurables of behavior change, risk reduction and cost savings
Improve
Using an experimental mindset to find what works best for your company