Healia Health

The past year has been incredible for Healia. We have helped so many companies and countless employees lower their costs and have a better member experience. One of the most rewarding aspects of the past year has been witnessing the transformation of our Total Care Option (TCO) by our partner companies. A prime example of this is a hardware manufacturer in the Southeast, which recently added IVF coverage to the TCO. (Formal announcement coming soon!) Our employer partners are not only improving the TCO experience but also saving costs and enhancing the well-being of their employees. The TCO has also become a powerful tool for recruitment and retention, inspiring our entire team with such success stories. If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption. 

The article from Newsweek highlights the increasing unaffordability of healthcare in the United States. https://lnkd.in/edQwycbp Some of the lowlights: High Costs: Many Americans defer necessary medical care due to high costs, leading to worsened health outcomes. Widespread Debt: Medical debt is prevalent, with significant disparities among racial and income groups. Impact on Low-Income Households: Lower-income families and communities of color are disproportionately affected. High-Income Strain: Even high-income households are now feeling the financial strain of healthcare costs. We directly address this crisis through our Total Care Option (TCO), a solution that allows employers to pay for the health costs of families that enroll in their spouse’s plan. This limits the company’s financial exposure to the family’s out-of-pocket annual expenses and will save the company, on average, $10K per year per family enrolled in the TCO.  Employees can use the account to pay for out-of-pocket health costs or premium contributions on their spouse or partner’s plan. This allows our clients to give an incredible new benefit to their employees while saving costs. The rare win/win during challenging times. If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption

This article discusses how most employers are committed to maintaining and enhancing healthcare benefits for their employees despite rising healthcare costs (projected 8.9% increase in 2024). At Healia, we love to hear this! The last thing we want is a reduction in coverage or a large percentage of the cost increase being passed on to employees. Our innovative solution, the Total Care Option, not only aligns with companies' goals of enhancing benefits but also effectively mitigates these cost escalations. The TCO is a solution that allows employers to pay for the health costs of families that enroll in their spouse’s plan. This limits the company’s financial exposure to the family’s out-of-pocket annual expenses and will save the company, on average, $10K per year per family enrolled in the TCO. 💰 If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption https://lnkd.in/eqaetxC5

What are your health insurance renewal rates looking like for 2024? Are you seeing increases of +20%, +30%, +40%, or even more? 😳 We’re in constant conversation with Brokers and HR teams nationwide, providing us real-time insights into the current trends. Recently, we've witnessed some staggering annual premium hikes, with increases reaching up to 62%! 🤯 How are companies managing these skyrocketing costs? What innovative solutions can Brokers offer their clients? 📈 Healia’s Total Care Option (TCO) is the ideal solution for these challenging times. The Total Care Option (TCO) is a solution that allows employers to pay for the health costs of families that enroll in their spouse’s plan. This limits the company’s financial exposure to the family’s out-of-pocket annual expenses and will save the company, on average, $10K per year per family enrolled in the TCO.  💰 If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption

Let's delve into the topic of Spousal Surcharges and Exclusions. We recognize the persistent challenge of rising costs and how many employers use a working spouse surcharge or exclusion as a cost-containment measure. At Healia, we offer a different solution: the "carrot" approach. 🥕 Our Total Care Option (TCO) allows employers to cover the costs of any employee, spouse, or dependent that enrolls in the spouse’s coverage with their employer. This achieves greater cost savings without penalizing families or risking employee dissatisfaction. With the TCO, HR teams can confidently say, "We’re so committed to your health and wellness that even if you choose your spouse’s plan, we’ll still cover up to 100% of your costs on their plan." The result? Lower costs for employers and better benefits for families. ❤️ If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption

This week, let’s focus on a crucial feature of our technology: speed!  🏎️💨 Say goodbye to lengthy launches that take weeks. Healia has perfected rapid implementation, getting you up and running in under 1 hour. Best of all, our team handles everything.💪 Our efficient process eliminates delays, allowing your HR team to focus on other projects while we manage the setup. 😍 Moreover, our benefit decision support tool is incredibly fast for employees, too. In fact, 40% receive recommendations in under 2 minutes, and 74% in under 5 minutes. ⚡⚡ Employers and brokers, if you value speed, contact us to schedule a demo tailored to your specific benefits. Don’t wait!  #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption

This article from Forbes discusses the financial difficulties that can arise even for those with good health insurance. https://lnkd.in/edCRA6Zb It uses several examples to illustrate how high and unexpected medical bills can be, even for insured individuals. We understand the financial strain this can cause. For example, former U.S. Surgeon General Jerome Adams received a bill of $4,896 for an ER visit despite having insurance. The article also highlights the opaque and often confusing billing practices in the U.S. healthcare system, where charges for the same services vary wildly and are often poorly described. The current system’s inefficiencies and high administrative costs contribute significantly to the overall expense of healthcare, burdening individuals with excessive medical debt. At Healia, we are proud to offer the Total Care Option, which provides dual-income families who enroll thousands of dollars to help cover their medical expenses throughout the year.  This extra financial security blanket gives families the peace of mind they need when we hear about situations like the ones above.  If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption

An interesting but scary read from the Peter G. Peterson Foundation on rising federal healthcare costs and their impact on U.S. national debt. Key points include: https://lnkd.in/ePPeNZkM - "Additional cost growth," the rate at which healthcare costs outpace economic growth, is a significant factor. - Containing healthcare cost growth could reduce federal spending and improve fiscal sustainability. - Federal spending on healthcare programs like Medicare and Medicaid is projected to rise significantly, driven by aging demographics and increasing healthcare costs. -Addressing healthcare costs is crucial for a sustainable fiscal future. Knowing these costs will be passed onto the employer and, ultimately, the employee, we at Healia are experts at helping companies get ahead of this challenge.  We achieve this through our Total Care Option (TCO), a solution that allows employers to pay for the health costs of families that enroll in their spouse’s plan. This limits the company’s financial exposure to the family’s out-of-pocket annual expenses and will save the company, on average, $10K per year per family enrolled in the TCO.  If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption

Excellent post from Robert Vidal II on the harsh reality faced by many Americans grappling with healthcare debt, especially as they bear the brunt of escalating costs everywhere. https://lnkd.in/eaMPHDr2

When we talk with companies, we stress the importance of having a comprehensive benefits package that helps with recruitment and retention.  The article discusses the importance of designing employee benefits packages that drive engagement and loyalty. Key points include: Employee benefits are crucial for engagement, loyalty, productivity, and overall employee experience. Customizable benefits packages are preferred, allowing employees to choose options suited to their needs. Employers should gather real employee input to design effective benefits packages. What better way to drive a more loyal population than by having their healthcare expenses paid for by their employer?  We achieve this through our Total Care Option (TCO), a solution that allows employers to pay for the health costs of families that enroll in their spouse’s plan. This limits the company’s financial exposure to the family’s out-of-pocket annual expenses and will save the company, on average, $10K per year per family enrolled in the TCO.  What a great way to drive recruitment and retention. If you’re an employer or broker/consultant and want to learn more, message us on LinkedIn to schedule a demo! 👍 #employeebenefits #healthcarecosts #healthbenefits #healthinsurance #planselection #benefitdecisionsupport #totalcareoption https://lnkd.in/db-mpnyj