For the past few years, there has been a movement in the medical community toward functional medicine. Functional medicine helps patients address the root causes of disease through lifestyle modifications. By focusing on achieving optimal health rather than just the absence of disease, functional medicine has helped patients reverse chronic disease and improve their overall quality of life. 

Curious to know more about how functional medicine positively impacts your health? Before we dive in, it is important to know that functional medicine doctors are the only ones trained to treat and cure chronic conditions.

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Population Health Management is a popular approach used by healthcare providers that attempts to improve the health outcomes of a group of individuals suffering from chronic diseases. Although improving the quality of patient care while simultaneously reducing costs can be effective, many Population Health Management programs continue to miss the mark. Since Population Health Management programs focus only on the treatment of disease, patients only receive help after they become sick.

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What is the state of transparency in healthcare currently?

The current state of transparency in healthcare is one that is continuously evolving. There are several pieces of legislation aimed at giving consumers better insight into healthcare purchases and costs. One particular piece is the Executive Order by President Donald Trump, which requires hospitals, providers, and insurance companies to disclose pricing structures for health services publicly. 

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 247 Unlimited Telemedicine Free and convenient medical care on the go

U.S. employers could save up to $6 billion per year by providing telemedicine to their employees

As busy professionals trying to juggle many responsibilities, it can seem almost impossible to schedule that doctor's visit for either yourself or your child. The strain on productivity, endless waiting times in the emergency room, and enormous cost become significant reasons to say no. Moreover, a survey of Physician Appointment Wait Times and Medicare and Medicaid Acceptance Rates found that in 2017 it takes an average of 24 days to schedule a new patient physician appointment.  

But what if you or your employees didn't have to take time out of the office to go to the doctor or spend the whole night worried about your child's health? Wouldn't that be convenient and liberating!

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As an agent or broker, you are the first line of contact for an employer when benefits strategy meetings come up. Businesses seek your guidance because you have your ears to the ground and are a trusted resource. You navigate the needs of clients while also being aware of legislation and regulatory developments that can affect your proposed solutions. 

Armed with this knowledge, you can provide clients with the ability to manage their benefits plans, costs, communication strategies, and compliance obligations. But what happens when your clients want to discuss lowering costs by improving employee health and driving claim spending down? Think of it as untapped potential. You can introduce unmatched strategies that leverage their desire to implement a culture of health to drive measurable health improvements and expense savings year after year. A program that does this will strengthen your established relationships and will help you gain traction with new clients.

Keep reading for the most important questions you should ask any provider or vendor you are considering… call it your secret weapon.

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1090 IncentiCare Conveyor Belt 11

Many insurance companies utilize Population Health Management and cost-containment strategies as a way to help patients manage chronic conditions and reduce healthcare costs. However, these strategies (PBM, CM, DM, UM, etc.) only kick in after a diagnosis, even though patients experience symptoms of chronic disease long before they require a treatment or prescription.

That’s why BeniComp integrates Preventive Health Management (PHM) with their insurance products. PHM uses cutting-edge artificial intelligence to analyze unique data sets, machine learning to predict risks, and functional medicine professionals to stop health risks in their tracks, empowering people to improve their health conditions.

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healthy v unhealthy

If you were to go into a gym, and someone asked you which person pictured above was healthier, odds are you would probably choose the person on the right.

That is how our society works. We have come to accept health as something that can be evaluated solely from the outside. People with bodies like Chris Hemsworth or Scarlett Johansson are automatically deemed healthy. The leaner person is automatically considered healthier than the person rocking the Dad bod. Disclaimer: generally, those with leaner physiques are actively engaged in healthy lifestyles: they exercise regularly, they stay away from processed foods, eat plenty of whole foods, and get enough sleep each night. But your physique isn’t the only thing that makes you healthy.

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Wellness Program Blog Banner

by Alexandra Goebel

Are you looking for ways to take control of your company’s healthcare expenses? Right now, 60% of Americans are living with chronic conditions (this proportion increases each year). As such, the need for prescription medications and medical treatments continue to grow at a record pace. This takes a financial toll on employers, like you, who end up paying more for their employees’ healthcare every year.

You may find yourself asking, “What is the most effective method for managing my healthcare costs and who can help me achieve this?” I can tell you that the most effective solutions will integrate a healthy blend of both cost and cause containment strategies to properly impact the root cause of expenses (individual health) and manage expenses directly. However, to find the right solution for you, it is important to first consider the needs and goals of your organization.

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Doug Short Blog Banner

by Alexandra Goebel

Health insurance continues to be a hot topic of conversation amongst self-funded employers who continue to seek solutions to rising healthcare costs.

Doug Short, CEO of BeniComp Health Solutions, offered his perspective on how employers can self-check their current strategies to cultivate more resilience and sustainability in the long-term. Doug has been a thought leader in the evolution of healthcare for nearly four decades.

The questions below were proposed by Doug to be critical for employers to consider.

Am I focusing on what is driving 80-85% of my healthcare expenditures or am I focusing on the 15-20%?

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Finding the Value Banner

by Alexandra Goebel


Employee healthcare is a key component of sustainable businesses. But do employers understand the distractions that have created a destructive cycle for health and medical expenses?

Fixating on provider discounts and cost negotiations is no longer a useful value proposition for employers looking to lower their group healthcare expenses. Nevertheless, new solutions are emerging to meet the needs of organizations of all sizes.

Employers are acknowledging that the only way to reverse the trend of rising healthcare expenses is to focus on strategies that eradicate the root cause of the costs.

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Marketing Team Photo Creative Lounge 1090

To Tampa Bay Job Seekers,

We are a team of talented and passionate leaders, dedicated to our mission of providing innovative insurance solutions that empower organizations and employees to take control of their health.

We have multiple positions to fill in our innovation office. And we need you. This is more than just a job; it's an opportunity to enhance your professional and personal development while contributing to a greater social cause.

Available positions are listed below.

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by Patrick Rees

Self-funded health insurance plans are growing in popularity across American companies. Between 1999 and 2018, the percentage of workers enrolled in a self-funded plan grew from 44% to 61%. For years fully-insured was the preferred option for employer health coverage, but people have grown dissatisfied with their annually increasing costs. Therefore, there is a move to the self-funded space and a chance for employers to take control of their health insurance costs. If you have no idea what I’m talking about here, let me break it down for you.

The Fully-Insured Problem

Fully-insured is when a company pays an insurance carrier a fixed premium that is based on the number of employees enrolled in the plan each month. The monthly premium is only adjusted if the number of employees on the plan changes. As the insurance carrier collects these premiums, they obtain the responsibility to pay claims based on the coverage benefits agreed upon in the policy. Employees are responsible for meeting deductibles and copayment costs.

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by Patrick Rees

We’re back from Thanksgiving and the collective waistbands of the nation all feel a little tighter thanks to a long weekend of overindulgence and inactivity. We convince ourselves that we will lose that excess holiday weight once the New Year hits, but the reality is that this weight is hard to lose. It’s not our genetics, but our lifestyles that are the problem with this weight gain.

The newest edition of the Physical Activity Guidelines for Americans was released earlier this month and set a public health target range of 150 to 300 minutes per week of moderate-intensity physical activity per person. The report found that the entire country has a long way to go in order to meet these levels as half of the US adult population does not meet this target. Some other eye-opening findings were presented as well:

  • 80% of Americans are not active enough.
  • Only 26% of men, 19% of women and 20% of adolescents meet the recommended levels of physical activity per week.
  • 30% of the US population does not engage in any moderate or vigorous physical activity.
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by Patrick Rees

For over a year, cities across the United States pitched for the coveted location of Amazon’s HQ2. In the last week, it was announced that the new headquarters will be split between two locations - Arlington, VA, and the Queens neighborhood of New York. Economic development officials in these areas may well be rubbing their hands with glee at the prospect of the internet behemoth pitching up, but local companies may be beginning to sweat. Will key employees be casting longing glances to Virginia and New York? And if they are, how can employers make them resist the temptation?

Companies on the East coast who rely on skilled engineers, product managers, and legal and accounting staff may be thinking that their labor costs will skyrocket to stop Amazon from poaching their best staff. It makes sense, right? To retain employees you have to pay them higher salaries and boost their perks. This is one method that stops Amazon from strong-arming companies and poaching their top performers, but the reality is that should Amazon flex their financial muscle, it may just be too appealing for even the most loyal workers.

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by Kieran Pittman

When something happens, and it always does (a cold strikes, a cough gets stronger), we are forced to endure the dreaded waiting room. Whether it’s during your primary physician office hours, or after hours, the choice is to load up the afflicted and brace yourself for the all-too-familiar experience. Once there, you look around, and anxiety creeps in about all of the future ailments you might acquire with your visit. You become the crazy germaphobe! How many flu-laden children with snotty noses curled up with the same book your child is now reading during their hours of waiting time in the waiting room? Sick.

Sticking It Out Due to Inconvenience

Last weekend my 10-year-old daughter had been complaining about tooth pain. Truth be told, she told me on Friday when the dentist was closed, so I decided to ‘stick it out’ and see if it got better with time. Made total sense because tooth pain always “just gets better with time”, right?  By Sunday morning her left cheek was swollen all the way up to her eye. I freaked out.

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Spartanburg, SC, August 26, 2018 – East Coast Underwriters (ECU) and BeniComp, Inc. ® have joined forces to launch a revolutionary health insurance product for self-funded employer groups called IncentiCare® that radically reduces healthcare costs. The solution prevents expensive claims from happening by identifying health risks on nearly the entire population, and proactively reducing lifestyle-related claims. Additionally, IncentiCare employer groups earn a spot in a profit-sharing Healthy Pool Captive Cell where the reduction in claims can become profit to participating groups.  

IncentiCare approaches two issues simultaneously that have plagued employer groups for years: rising employee deductibles; and increasing healthcare claims linked to chronic disease.

IncentiCare allows employees to control their own deductible by earning significant rewards linked to health results. Outcome-based deductible incentives are placed on five health biomarkers in the blood that are controllable through lifestyle:

  • Body Mass Index (BMI)
  • Blood Pressure
  • Blood Glucose
  • LDL Cholesterol
  • Tobacco Use

Unidentified Health Risks on Virtually Every Employee

The plan’s unique filings make IncentiCare the only product that can offer thousands of dollars of potential earned deductible credits. Using significant financial rewards, IncentiCare achieves an unmatched 96% average participation in annual blood screenings, identifying health risks on virtually every employee in the company. IncentiCare’s custom application provides the Preventive Health Management (PHM) team with real data from blood biomarkers, historical claims, and ongoing claims to engage with at-risk employees. This allows IncentiCare to reach the employees who need intervention the most. The result is educated, empowered employees who work together with health professionals to address the root cause of their health risks.

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March 28, 2018

Eighty-six percent of the nation’s $2.7 trillion annual health care expenditures are for people with chronic health conditions, the U.S. Centers for Disease Control reported in 2017.

That’s why Fort Wayne-based BeniComp, Inc., a provider of secondary health insurance, supports the goals and philosophy of kNew Health, said Benicomp president Doug Short. kNew Health, founded by Fort Wayne physician Dr. Jeff Gladd of GladdMD is a Web-based lifestyle coaching service that gives members the tools, support and guidance to make lifestyle changes that promote and maintain wellness.

BeniComp has had to jump through many legal hoops to provide what is called exempt supplemental insurance coverage that encourages and incentivizes people to take charge of their health.

“The medical system of the past is diagnose and prescribe, diagnose and prescribe. The medical system of the future is helping you help your body to help itself,” Short said, pointing out [the] definition of insanity was “doing something over and over and getting the same results.” Such is the case of the traditional system of health care, he said.

“I think insurance companies will rally around people like Jeff Gladd. If the left hand is health care and the right hand is sickness care, then the left hand is Jeff Gladd and the other side is diagnose and prescribe.”

From an insurance perspective, Short added, “The left is all about controlling what causes the claim; on the right it’s about controlling the costs, either by a different PPO (preferred provider organization) or HMO (health maintenance organization) or a different carrier,” with none of the latter really addressing cost control. On the left, the insured is encouraged to get preventive and routine care; on the right, you don’t want to be seen by a health care provider unless you’re sick.

Benicomp’s IncentiCare program is focused on preventive health management, giving insured participants actionable health information and knowledge through blood chemistry and other measurable health parameters along with lifestyle coaching to improve or maintain health.

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benicomp celebrates 55 years

Progressive health insurance company celebrates 55 years of continued service

FORT WAYNE, Ind.June 21, 2017

2017 adds a new milestone for Indiana-born insurance company, BeniComp. Established in 1962 by Fort Wayne resident, Donald L. Short, BeniComp celebrates 55 years of business stability under the leadership of second-generation family business owner, Doug Short.

Indiana House Majority Leader, Matt Lehman, presented a commemoration of achievement to Doug Short and BeniComp for continued success throughout the years during a celebration at BeniComp's Fort Wayne office.

"I look at Doug as someone that we're going to rely on as we look at the ACA and what's going to happen in the state of Indiana," Lehman said. "We will have to make some changes. Those of us who are elected officials will bring people like Doug who can bring that passion and that knowledge outside the box. Doug can help Indiana implement reforms that will improve coverage and affordability by helping us redefine insurance for future generations of Hoosiers."

"The knowledge we've gained from our large client base over the years has allowed us to purpose-build innovative health insurance solutions that identify health risks early - before they become claims," said BeniComp President, Doug Short. "We combine the right mix of intuitive technology and actionable data to lower trend with meaningful outcome-based incentives."

By coupling an HDHP with outcome-based deductible incentives, BeniComp provides employers the ability to identify, realign, and manage their risk in order to truly control the cost of health insurance premiums.

About BeniComp
Founded in 1962, BeniCompⓇ is a full captive insurance company offering health insurance solutions in nearly all 50 states. Now spanning three generations, BeniComp's services have received numerous awards for innovation and best practices and include: BeniComp Advantage, BeniComp Select, and IncentiCare. BeniComp has been featured in Forbes Magazine, Employee Benefit News, The Wall Street Journal, USA Today, Medscape and other publications for its solutions. For more information about BeniComp, visit www.benicomp.com.

Preventive health management insurance helped this Florida County save thousands in premiums and enjoy a flat renewal rate.

TAMPA, FL -- Like many counties in America, one Northern Florida county was seeking a solution to rising health insurance costs. Faced with another increase, the options were raising premiums or decreasing benefits. In an effort to continue comprehensive coverage for employees while maintaining fiscal responsibility with taxpayer money, the choice was made to raise the health plan deductible. However, raising the deductible to lower the cost of the plan for one year was only a temporary solution that also created greater financial stress on employees. Without addressing claims, they would again face rising health insurance costs.  

BeniComp Advantage is a supplemental, preventive health management (PHM) insurance product that rewards participants for meeting or exceeding health goals based on annual biometric screenings. After creating a customized strategy with BeniComp, the County used BeniComp Advantage to empower employees to earn a low deductible.  Instead of a 5% increase, the premiums decreased by 22%, resulting in first year savings of over $182,000. Decreasing the number, size, and frequency of claims led to two years of total health insurance premium decreases at a time when most companies experience double digit increases.

Since implementing BeniComp Advantage, the County has saved $8,357 per participant for a total of $651,842.

annual insurance costs florida county

BeniComp Advantage uses a preventive health approach that begins with an on-site health screening, and includes outcome-based incentives. Like a good driver discount, employees who participate in the screening, and demonstrate a lower risk in body mass index (BMI), blood pressure, cholesterol, glucose and nicotine, are rewarded with a

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Worksites take steps to decrease healthcare expenses, increase productivity

Tampa, FL –  BeniComp Health Solutions has been recognized as a Platinum-Level Fit-Friendly Worksite by the American Heart Association for the second year in a row by helping employees eat better and move more.

“Physical activity and employee wellness are important priorities at BeniComp. We are honored and excited to be recognized for two years in a row by the American Heart Association as a Platinum-Level Fit-Friendly Worksite,” said Doug Short, President and CEO of BeniComp Health Solutions. “We’re committed to providing the best workplace environment possible. This will benefit our employees’ health and produce even more positive results for our worksite overall.”

Platinum-level employers:

  • Offer employees physical activity options in the workplace.
  • Increase healthy eating options at the worksite.
  • Promote a wellness culture in the workplace.
  • Implement at least nine criteria outlined by the American Heart Association in the areas of physical activity, nutrition and culture.
  • Demonstrate measurable outcomes related to workplace wellness.

BeniComp’s primary achievement in securing their second Platinum-Level Fit-Friendly Worksite award was due to increased

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