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1. Wellness Programs for Healthy and
Happy Employees
BY
wellnessalliancehawaii.com

2. The concept of preventive health and wellness programs offered by Hawaii
healthcare organizations is not new. In recent years, however, there has
been an increased focus on these programs as our nation's healthcare
expenditure is expected to increase to 20 percent of the Gross Domestic
Product (GDP) by 2015, and as an emphasis on healthy lifestyles becomes
even more pertinent. President Obama himself has articulated a desire to
promote public health by requiring coverage of preventive services, like
cancer screenings, and even intends to create a new Small Business Health
Tax Credit to help small businesses provide affordable health insurance to
their employees.
These ideas are optimistic in our current economic outlook, and given the
waning confidence in the economy making a quick recovery, many small
businesses may be looking to modify their health insurance benefits for
employees, or are perhaps shopping around for a new policy. To those
organizations, a keen focus on the benefits of their policy is absolutely
necessary to maintain employee health and productivity, and improve their
own bottom line in the face of many hard challenges.
Small and large businesses alike are looking for health insurance providers
that can be their partners. They are looking for ways policy providers can
assist them in keeping employees healthy - because healthy employees are

3. For those small business - and that may be you - there is hope. A 2008 study
measuring the return on investment for employee wellness programs showed
that employers could save approximately $1.65 in healthcare expenses for
every dollar spent on a comprehensive employee wellness program. The study,
published in the Journal of Occupational and Environmental Medicine (JOEM),
found that reduced inpatient costs yielded the highest return on investment, in
part because of increased use of screenings and medications among
employees. This study emphasizes that when looking for a new healthcare
policy, small businesses should take a close look at the provider's wellness and
preventive programs.
Some of the best healthcare providers offer wellness programs like discounted
gym memberships, health education and awareness, counseling, flu prevention
and even programs to evaluate whether employees can reduce their medication
co-pays. Not only do these programs lead to healthier and more productive

4. Once you've narrowed down your list to a few providers, take into account not
just their risk or premiums, but what value-added services they offer. Similar
to purchasing a new car, buyers should weigh how the dealer treats them
once they've bought the car and driven off the lot. Is the dealer responsive
and friendly? Do you call for weeks trying to schedule a maintenance checkup and only reach a recording? Do they take care of your vehicle in a timely
and efficient manner? Employees in the same way need periodic "check-ups"
on their health to make sure they are performing to the best of their abilities,
and a responsive provider of healthcare in Hawaii will prove the most
valuable for them and the small business they work for.