Our Services

The annual procurement process of shopping for health care and placing vendors on a spreadsheet is not working. New and innovative thinking along with technology solutions are needed to better manage health plans, drive down spending and more pro-actively involve plan sponsors as well as members. Elements realized years ago that employers have typically seen traditional disease-based health insurance as a "health plan." The traditional brokerage community has fostered this thinking by almost exclusively selling disease-based insurance products. Yet few, if any, employ qualified health professionals, or provide any activities or programs that actually lower health care costs.

It is Elements' belief that every client is unique and creates a work plan to gather data, identify a direction that makes sense, design the complete package, and communicate this to the employees in an easy to understand format.

The Elements Health Plans model has evolved from nearly 20 years of experience in the health insurance and health promotion industry. Our management team has collectively over 100 years experience in the health insurance, financial services, and worksite wellness business.

We are seen as the leaders in the design of integrated health plan models, even to the extent that brokers are asking us to design programs for their respective clients. The possibilities are ready and waiting for you. Elements clients have the advantage of traditional brokerage services that are rooted in promoting a healthier workplace environment. The results are improved health among the employees and dependents, which lead to higher morale, lower rates of absenteeism, lower claims and more control over rising health care premiums.

Elements brings a human and caring touch back into the workplace environment, and in addition to all of the above, strengthens a sense of trust between the employer and its employees. We are currently living in an environment where everyone is feeling exceedingly vulnerable and nervous. It is critical that employers become pro-active in addressing this fact and in strengthening its relationship with its staff. We build better relationships. You can rest assured that Elements can provide the same services as your broker, consultant and administrators. But, we can do so much more as we are the only broker/consultant who hires health experts to work alongside our benefits experts providing our clients the necessary expertise to truly measure, monitor and manage their health benefits. Our services include but are not limited to:

CORPORATE BENEFITS CONSULTING

• Summary plan document review.
• Regulatory and compliance updates - procedures.
• Claims data and coverage analysis reporting.
• Prescription drug utilization analysis.
• Network utilization reports.
• Health and welfare plan budget reports.

• Medical.
• Prescription drugs.
• Dental.
• Vision.
• Long term disability.
• Short term disability.
• Life insurance.
• Section 125 (POP & FSA).
• Cobra administration.
• Cafeteria plans.
• Voluntary benefits.

• Conventionally fully insured.
• Minimum premium.
• Partially self-funded.
• Administrative services only (ASO).
• Health Reimbursement Accounts.
• Health Savings Accounts

• Indemnity.
• Preferred provider organization (PPO).
• Point of service (POS).
• Health maintenance organization (HMO).

• Funding of buy-sell agreements.
• Key man life insurance.
• Estate planning.
• Disability buy-out insurance.
• Individual executive carve out disability plans.
• ERISA summary plan documents.

• 401(k).
• 403(b).
• Defined benefit plan.

CORPORATE HEALTH MANAGEMENT

• Orientation seminars and organization of in-house wellness team.
• In-depth claims analysis.
• Benefits utilization education.
• Customized password protected member's only health website.
• Monthly newsletter (on-line and paper).
• Personal health educator assigned to client along with a benefits consultant.
• Internal marketing.
• 24/7 advise line (health, finance, relationship, and more).
• Confidential & Proprietary interactive health risk assessment tools and services.
• Biometric testing (lipid profile, thyroid panel, complete blood count, kidney liver and heart function study, glucose and blood chemistry analysis).
• Critical care and disease management.
• Comprehensive health assessment for executives.
• Ask the Doctor! (Email or telephonic)
• The Wellness Guide – English and Spanish.
• Coaching – pro-active and continual (group or individual).
• Self-help guides.
• Brown bag workshops.
• Incentives.
• Worksite classes.

• Walk for the Health of It! program to include set-up, and seminars.
• Eat for the Health of It! program to include set-up and seminars.
• Stop smoking for the Health of It! program to include set-up and seminars.
• Stress less for the Health of It! program to include set-up and seminars.
• Financial management for the Health of It! on-line financial management software.
• Health promotion library.
• Prenatal program to include set-up and seminars.
• Human resource management software.

Through science-based studies and our years of providing health benefit programs, we know that health is a dynamic interplay. It encompasses our Physical, Financial, Spiritual, Self, and Relationship health—the Five Elements of Health. Elements designs programs that address the body, mind, and spirit as well as outside factors, such as finances, relationships, work, and our natural environment. These interconnections can affect our ability to live a balanced and healthy life.

The Elements integrated Health Management Programs are designed to encourage your employees to actively create healthy change, to empower them with sound information and dynamic support, and to track their improvement with leading edge measures. This along with providing management real-time insight into their current health plans providing accurate, actionable information to manage their health care expenses as they fiscally manage every other aspect of their business.