The demand consumers are putting on health insurance is changing. Many insurers are taking on the challenge to meet these needs. Consumers are looking for a more affordable plan that rewards those with good healthy habits. They want to stay healthy and at the same time control cost.
One example is a plan through the carrier UniCare. They have a fairly new plan they introduced called the Solaura HIA, or Health Incentive Account. It is fashioned much like a Health Savings account. Instead of contributing money to fund the account you earn money by improving and promoting good health.
The plan also allocates a quarterly allowance of $125 single/$250 family to your HIA each quarter of a year. All funds in your account can roll over year to year and there is no roll over limit.
They also dangle incentives to earn bonus dollars in your account. You could stop smoking. Our how about sheding those extra pounds the doctor has been telling you to lose for 5 years now? Immediatly you could earn $50 just for completint a assessemtn online.
One benefit of this plan that makes it super cool is the 100% preventative screening it offers you. It pays for the offcie visit, immunizations and tons of screenings. And no of this is deducted from your earnings!
Many new plans are promoting similar benefits. They are focusing on early detection as a way of controlling and saving medical expense. Some offer fun incentives to change a bad habit and most of them are covering 100% of your annual preventative.
Consumers need ways to save money on health expense. Not buying into the all inclusive benefit packages that look so shiney is one way to save a bundle. Only buy what you need.
So put your health insurance to work for you. Tell then you want to save money. Let them know you are interested in staying healthy and getting healthy and you want a plan that reflects that kind of life style.
