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"How to Reduce your Employees' Health Risks to Regain Control of Your Company's Health Care Costs & Increase Productivity"
. From: Michael Puck, SPHR Dear HR professional, business executive: Are health care cost increases keeping you awake at night? Are your cost control efforts not yielding the desired results? Are you running out of options? For the last 15 years, I have experienced the economic pressures of escalating health care costs first-hand as HR practitioner. Like many of you, I have tried countless traditional approaches to managing health care costs with little or no success. Even a comprehensive wellness program failed to deliver any relief. But, there is a way to cut costs without reducing benefits or shifting expenses. I found out how through countless hours of research and trial and error, and now you can take advantage of what I learned and field-tested to transform your company. Okay, let's get started. Click the links below to jump to a subject of interest or just start reading from here to find out how you can regain control of company's escalating health care costs: 1. How I Did It: A Benchmark in Health Care Cost Management 2. How You Can Do It: Learn How to Cut Costs and Increase Productivity 3. Learn How To: Achieve 80 Percent Employee Participation 4. The High Road: Your Blueprint to Cutting Cost 5. No Risk: Three-Year 100% Money Back Guarantee _______________________________________________________ Benchmark in Health Care Cost Management While researching health and fitness-related information for my personal use back in 1998, I discovered a few companies that reported significantly lower health care costs than companies of similar size in the same industry. Despite their exposure to the same economic and social environment, some companies pay up to 50% less for health care than the average U.S. company. How is that possible?
Since I discovered the first "benchmark company" in 1998, I have spent 1000+ hours researching and documenting the most successful companies in health care cost management.
My research included over 100 companies of all sizes and across many different industries. After studying these benchmark companies, I was able to identify the underlying success factors that all of them had in common. Rather than just documenting my research results for my own use, I created an easy to follow road map.
Health Care Cost Management – The High Road The High Road is a blueprint for cutting health care costs without reducing benefits or shifting expenses. I used the blueprint to implement and field-test my first Strategic Health Care Cost Management Program in 2005. After just 12 months, the program had generated tremendous improvements in the health risk profile of the employee population. Together with the reduction in health risks, the health care premium went from 11% in the previous year to -1% for the following year — but that was just the beginning. After 30 months the combined cost reduction and cost avoidance was at 28.4% Wow! I had really found something! By applying the blue print documented in The High Road, I was able to duplicate and exceed the results benchmark companies had achieved over the past 10 - 15 years. The integration of best practices from over 100 benchmark companies created synergy effects, which further improved the outcome and reduced the time in which cost savings were achieved. _______________________________________________________ Learn How to Cut Costs and Increase Productivity
Break free from the ineffective strategies of cost shifting, limiting access and reducing benefits by following an approach that will address the root cause of sky-rocketing health care costs. Not only will insurance premiums / medical claims you pay for your employees be drastically reduced, employees will also be at work more frequently and be more productive while at work. 10 Things you must know to cut Health Care Costs Building a competitive advantage within your industry by cutting costs and increasing productivity is simple once you know:
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"The High Road is, by far, the fastest and most effective method to regain control of escalating health care costs." _______________________________________________________ Achieve 80%+ Employee Participation Many excellent health and wellness initiatives have “failed” to demonstrate reductions in cost because only 15%-20% of the workforce actively participated. Research studies suggest that less than 5% of all wellness programs and health initiatives have participation levels of 80% or higher. Without the active and ongoing participation of at least 80% of the workforce and dependents, it will take years before a significant return on investment can be achieved. Even experienced wellness consultants suggest that it takes three to five years before a good wellness program will have some measurable impact on health care costs. Does your company have time to wait three or more years for some nominal reduction in health care costs that might or might not occur? In The High Road, you will learn how to instantly get 80% or more of your workforce actively involved through powerful incentives that provide a short-term cost relief rather than one that might occur three years down the road. You will be able to provide powerful incentives at no additional cost to your company once you know:
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Are you beginning to see how exciting this is?? _______________________________________________________ Realize a Profit in the face of the Healthcare Crisis
The High Road is an easy to understand and easy to follow blue print on how to cut health care costs without reducing benefits or shifting cost to the workforce. With The High Road, you gain access to 1,000-plus hours of research about the most successful companies in health care cost management an invaluable tool. Do not reinvent the wheel! Simply follow the step-by-step instructions in The High Road and achieve the same health care cost savings as the most successful companies. Avoid expensive rookie mistakes that could cost you thousands of dollars and prevent you from quickly achieving results. Take a look at the matrix below to see how much money you will be able to save per year by cutting health care costs by just 30%:
* Based on average health care cost of $8,000 per employee per year. Health Care Cost Savings are Just the Tip of the Iceberg Dispite the fact that the above numbers are quite impressive, they represent only 25% - 33% of the total cost savings potential that your company can tap into by improving the health of your workforce. "Secondary cost savings make up two-thirds to three-quarters of the overall cost savings potential." According a Harvard study, every health care dollar that is saved because of improved health will also save two dollars of non-health care costs. A recent study of more than 15,000 employees at four major companies found the cost of lost productivity due to poor health to be more than four times greater than the cost of direct medical and pharmaceutical spending (published in the July 2007 issue of the Journal of Occupational and Environmental Medicine). What is your Company's Total Costs of Poor Health? By reading the The High Road, you will learn how to achieve significant cost savings in the following categories:
Summary / Drawbacks Boiled down to the bare essentials, you could say The High Road really provides you with two things:
At this point you might be asking, "Okay, what's the downside? Are there any drawbacks or negatives?" Yes, there are some, and I want you to know what they are. First Drawback: Companies of all sizes will be able to greatly benefit from the approach explained in The High Road, but it will take longer for companies that are too small to have creditable coverage. The reason for that is that companies that are fully-insured and have less than 100 employees are most likely community-rated, meaning the cost of health insurance is based on the surrounding community and only to a small degree on the medical claims experience of the insured workforce. Thus, reduced medical claims will benefit the community at large, but will only indirectly impact health insurance premiums of the small company. Despite the above, I highly recommend that small and even mirco companies follow the approach documented in The High Road to take advantage of all of the secondary cost savings, which account for two-thirds to three-quarters of the overall cost savings. Second Drawback: If you are the HR Lead, CEO or CFO seeking a solution on how to permanently cut your company's health care cost, you wil have to play an active role in the process. How active you are asking? As the senior leader in your organization you will have to fully support the program, but more importantly you will have to lead the program by example. If you are not prepared to do what you ask your employees to do, the program will be less effective. You don't have to be healthy or physically active to lead the program, but you must be willing to change and improve along side your employees. Find out if The High Road is right for your company To find out if The High Road is right for your company to cut health car cost and improve the productivity of your workforce, take advantage of our Three-Year 100% Money Back Guarantee as explained below. _______________________________________________________ Three-Year 100% Money Back Guarantee The majority of businesses will be able to cut health care cost by around 30% in three years. But I'm offering The High Road with the guarantee that you can receive your money back at any time during the three-year period for any reason. "I guarantee any business, of any size, can achieve substantial reductions in health care and related costs by following The High Road." Michael Puck, SPHR, Corporate Health Coach
No other author or consultant in the field of health care cost management and wellness has ever been able or willing to offer a guarantee that came even close. I can only make such promises and offers because I've seen my methods succeed in many different environments. _______________________________________________________ One Great Resource - Three Versions The High Road Elements Edition: "Getting Started" The Elements Edition of The High Road Manual is ideal if you are still in the fact finding mode on how to best regain control of your health care cost. The Elements Edition will save you a lot of time and money, especially in the preparation of health care cost cutting efforts and in the planning phase of wellness initiatives. The Elements Edition is also a powerful benchmarking tool for companies that already have a wellness program in place or that have tried several health care cost cutting initiatives and would like to move to the next level of effectiveness in workplace health promotion. The High Road Gold Edition: "Hit the Ground Running" The Gold Edition is a great match for companies in the start-up phase of wellness and health-promotion initiatives that are eager to demonstrate a positive ROI after as little as 12 months. Through 6-months of e-mail coaching companies can take advantage of the direct access to the author, Michael Puck, to quickly overcome obstacles and make the best choices in the design and implementation phase (a $1,500 value included in the Gold Edition at no cost). Another invaluable feature of the Gold Edition is the Free Audit and report of your health & benefits strategy that will help you to identify and address your specific company's health care cost management strengths and areas of improvement combined with suggestions for further improvement. The High Road Platinum Edition: "Success Guarantee" The Platinum Edition has been designed for companies that are committed to implement a highly effective and field-tested workplace health promotion program that can reduce health care cost by 30% - 50% in three years or less. The Platinum Edition provides companies with priority e-mail access to the author for a total of 3 Years. In addition, annual reviews and a phone consultation to discuss the results of the review are provided at no additional cost to companies that are ready to regain control of their health care cost while improving the productivity or their workforce.Review the below listed selection matrix to find the best version of The High Road for your company's specific objectives and circumstances.
To literally guarantee your success in the battle against escalating health care costs, you will receive with the purchase of any the three versions of The High Road Manual the following bonuses: Use these two bonuses to hit the ground running and compress the time it will take to achieve some serious cost savings and increases in productivity.
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I look forward getting a letter from your company telling me about your success story in cutting health care costs and the thousands or even millions of dollars you have saved. I’d love to hear your success story! The ball's in your court. It's your company’s future. Take action now!
Sincerely,
Michael Puck, SPHR
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