Employee Wellness Programs

Employee Wellness Programs Can Benefit Everyone

At Marsh & McLennan Agency we have developed and implemented comprehensive employee wellness programs for many employers. We recommend developing a multi-year strategy, with each year progressing in the breadth and scope of the program and the use of premium contributions and benefits to differentiate those who are actively participating and/or improving their lifestyles and controllable risk factors.

Employers must implement wellness programs to strategically impact health care costs as well as employee morale, recruitment, and attendance. Our extensive data analysis is critical to identifying focal points for our clients, and our customized employee communications result in employee wellness programs done "with employees" instead of "to employees."

We’re well versed in the HIPAA guidelines and have benefit attorneys who act as resources related to both federal and state law. We have many ideas on how to incent employees without costing the employer additional money and have implemented these successfully.

Employers and employees are both frustrated by the continued rapid increase in medical costs. So much cost shifting has occurred that the fundamental value of the benefit plan erodes. Other factors influencing plan efficacy, including demographics, technological advancement, and new drug development, cannot be controlled by the employer. The focus must be on reducing unnecessary utilization and the only way to reduce utilization is to focus on developing a healthier workforce. In addition, the employer is in the best position to incentivize employees to change. As this is a multi-year process, the employer needs to have a clearly defined health improvement strategy.

Employers have many questions on health improvement and employee wellness programs:

  • What strategies are often successful to incentivize employees to participate and change their behavior?
  • How do participation levels vary based on different incentives or level of incentives?
  • What are the financial impacts to the employer under different options?
  • How can I quantify an acceptable return on investment for the time and effort associated with these programs?

At MMA, we work with client's every day to answer these questions and make sure they get the appropriate value and return from their health improvement programs. For employee wellness programs that work to your advantage, contact MMA to schedule a complimentary insurance consultation.