Attentive Health & Wellness has made a commitment to partner with employees to become healthier and more educated about health decisions they make on a daily basis. We are also committed to help employers make informed decisions about the significance of costs and loss of productivity due to illness and lack of physical health. We focus on educating and guiding employers through the process of how to implement and maintain a successful SIMERP with a wellness focus.
Research has shown:
- People who exercise earn, on average, 9% more than their counterparts.
- People who are not in shape make less money.
- Obese people earn on average 18% less
- Those who are overweight have 25% less family income………
Our program is an ERISA (Employee Retirement Income Security Act of 1974) qualified Self-Insured Medical Expense Reimbursement Plan (SIMERP) that focuses on the benefits of a group wellness plan with an employer sponsored medical plan. By combining these plans and pre-taxing them under a Section “125” Cafeteria Plan, it creates a tax savings for each participating employer and employee. The program is on a voluntary basis for each employee. To participate, each participating employee must confirm they currently have medical health insurance through their employer or their spouse’s employer.
Our program is a Health Plan-Related, Participation-Only wellness plan, meaning all employees have to do is participate—not achieve a particular health or wellness goal. It is designed to promote healthier lifestyle choices among employees and their family members. To remain compliant within the program, the employee completes at least four activities per plan year. From the pre-tax savings, employees accumulate a “Wellness Reserve” that they can use to elect voluntary/ancillary benefits without reducing their take home pay.
Since the program is set up as a Self-Insured Medical Expense Reimbursement Plan, the employees are eligible for a reimbursement of premium as specified in the SIMERP plan documents. To qualify for reimbursement, all benefits under the wellness plan must be 213(d) compliant.
Employers also benefit from the tax savings generated by permitting the employees to pre-tax this program. Employers see a reduction in claim value and costs, mitigation of the risks related to future disease and conditions. Our data shows a reduction in claim dollars on average of $1,400 per participant over a three-year period. Employees will be healthier, happier, have more energy, and improved overall health.
THE ATTENTIVE HEALTH & WELLNESS PROGRAM (AHW) is based upon research into existing IRS codes and regulations. The plan is a robust Self-Insured Medical Expense Reimbursement Plan with a wellness emphasis that has been validated by the GE/Intel Validation Institute to be 80% – 90% reliable in pre-disease predictive analytics. As health costs are rising and outcomes are poor (sicker populations), those managing the claims and workforce populations are seeking solutions.
The value of the Attentive SIMERP wellness program to the employee is a superior wellness program that offers medical care along with the ability to buy valuable supplemental benefits without lowering their take home pay. A wellness reserve is created by pre-taxing the wellness plan according to IRS regulations. The result is a tax savings called a wellness reserve. The reserve averages 150 dollars per month or 1,800 dollars per annualy to purchase ancillary products such as whole life with a cash value, GAP insurance, critical illness, accident, short term disability, hospital, cancer, GAP covering high deductibles, or other value-added benefits after tax. The SIMERP provides the opportunity for a reimbursement of medical expenses as defined under the 213(d) definition of medical expenses. The SIMERP specifies what can be reimbursed, how much can be reimbursed, and who qualifies. The reimbursement is according to IRS guidelines for medical care reimbursement. The participation is incentivized by the allowable reimbursement and supplemental benefits available from the tax savings generated by participation.
The value to the employer is the ROI that comes from a Section 125 Cafeteria Plan that results in an average FICA savings of 550.00 dollars per annum per wellness participant. There is a 1-2% reduction in total expenditures from a decrease in claims from employees using the wellness benefits. This translates into 1,400 dollars per participant over a three-year period derived from mitigating population health risk management. Results drive reduced claims—68% of callers to our doctors, RNs, and health coaches result in a reduced level of services saving time and money; alternative care includes self-care options 29% of the time avoiding all costs; 72 percent of likely ER visits were mitigated by more appropriate care. A healthier population with less sick days, reduced benefits costs and more flexibility to be creative with savings (contributions to 401k) all add value to attracting and retaining employees.
AHW TOOLS PROVIDED SELECT LIST
- Personal Dashboard delineating a wellness program for diet, nutrition, eating profile, stress,
- Lab records, medical history including family
- Personal medical records, vaccinations, lab results and medical information
- 120 Professionally guided courses in 15 areas of lifestyle and health improvement
- Connects to personal data devices
- Medical Services available 24/7 at $0 copay
- RN access for diagnostic care – triaging for appropriate care
- MDs via Telehealth—serving the urgent care needs of members including face-face consulting and writing of prescriptions with Doctors
- $0 Copay!
- Specialist collaboration and primary care physician as needed
- No wait time or call back
- Geolocation within the APP to provide procedural costs and facility locations for procedures
- Tele – Behavioral health access to Master’s level counselors and telephonic therapy sessions as needed.
- Many extras aside from diet, nutrition, stress reduction, exercise, it is an INTERGRATED TOOL
Strong incentives motivate individuals to be accountable for their health. The program is about behavioral modification and leading employees to make better health and lifestyle choices. Statistical reduction in claims, reduced health risk management costs, and healthier outcomes result in healthier and happier employees. Incentivized benefits without the need to reduce take-home pay attract quality employees and less turnover. Employer saves on FICA taxes, has reduced claims, and provides increasing benefits.
Dr. Tommy D. Lamb – President of Attentive Health & Wellness
Holds Doctoral Degree; Master’s degree, B.S. In Developmental Psychology Degree – with concentration in life span development and understanding of today’s corporate world.
Dr. Lamb has experience in all fields of education including: Trustee Brewton-Parker College, GA.; Consultant to Education Commission, GBC; Council on Christian Social Services – BSCNC, Committee on Committees, BSCNC; also served as adjunct professor of NOBTS teaching on the master’s degree level. Board of Directors, State Convention of North Carolina.
National Register’s Who’s Who in Executives and Professionals; Who’s Who Among Students in American Universities and Colleges; Outstanding College Students of America; Phi Kappa Phi National Honor Society; Psi Chi National Honor Society in Psychology; Cecil W. Man Senior Psychology Award; University Scholar, Western Carolina University; President Rabun Gap Nacoochee School Alumni Association.
Over 35 years of experience of counseling, teaching, speaking, and instruction to group sizes ranging from 1 to 6,000 and as a motivator and visionary in organizational and industrial psychology, social psychology, motivational speaking and strategy planning. Dr Lamb has served as Chairperson and Consultant of the Education Commission of the State of Georgia for four years. In this position Dr. Lamb was the liaison between 5 colleges and universities and the Georgia Convention. He worked personally with the presidents of Mercer University, Shorter College, Brewton-Parker College, the Atlanta School of Nursing, and Truett-McConnell College in the promotion, publicity, recruiting, and relationship of the 5 schools. Dr. Lamb held positions in Human Resources and Industrial Engineering as a consultant for employee profiles and psychological analysis of workflow and production. Dr Lamb has been published in several books and magazines.
Mr. David Chaviers – CEO of Attentive Health & Wellness and Employer Insurance Resources
David Chaviers has over 44 years of solid sales and marketing experience. He has over 16 years of Payroll and PEO experience with many top 10 companies in the U.S. and co-founder of several PEOs/PPPs. In 2012, David founded Employer Insurance Resources as a benefits brokerage for employers. EIR has continued to grow and has expanded into the wellness market. He spent over a year doing research to develop a compliant wellness program that empowers employers and employees to have more control and participation in the health and wellbeing. Mr. Chaviers is committed to improving the health of employees through a superior wellness program. Mr. Chaviers believes that the success of a true wellness program is not numbers but true health changes in the lives of people.
Mrs. Brenda McGinnis – Senior Vice President – Broker Operations – Attentive
Mrs. McGinnis has 17 years of experience in the insurance market. She began her professional career in the banking industry focusing on educating women to include insurance and financial planning in their overall career and lifestyle choices.
In 2005, Mrs. McGinnis established a team of sales agents in the voluntary benefits market. Her team was the largest team in the West Territory for many years. The opportunity came her way to move to the southeast in 2014. Mrs. McGinnis joined Employer Insurance Resources and became a student of the entire Health, Life, and Wellness industry. Mrs. McGinnis is a consultant to many brokers and clients utilizing her expertise in the major medical market, supplemental, life, and wellness markets.
As Senior Vice President – Broker Operations, Mrs McGinnis handles the day-to-day operations of the nationwide network of brokers partnered with Attentive. Her responsibilities include training, implementation, enrollment and relationships of all Attentive brokers and clients.