American Fidelity’s Wellness Program Support

Employers may want to consider implementing a variety of wellness programs in order to help improve the health of employees and, in turn, to reduce health plan costs.  Below are some of the services American Fidelity offers to help our customers in connection with their wellness programs.  Many of these can be implemented together depending on the employer’s goals and philosophy.

No matter which path works best for you and your employees, American Fidelity offers support, products, and services to help you realize your goals. Return to this page regularly to see what other wellness support American Fidelity can provide to you and your employees.

For FSA, HRA, and HSA Participants

Wellness programs are often particularly successful when offered in conjunction with high deductible health plans.  The following are a few of the services American Fidelity makes available through our administrative system to customers participating in our Flexible Spending Accounts, Health Reimbursement Arrangements, or Health Savings Accounts:

• Wellness Advocate
  Give your employees easy access to a personal Wellness Coach and on-line tools to help them reach their health goals.  Their better health means an improvement to your bottom line.
• Call-A-Doctor
  Did you know that 60% of emergency visits are unnecessary?  Think of the savings to your health plan cost if your employees had access to a doctor or nurse to help them determine whether an ER visit is needed.  Saves your employees from the stress and time typically associated with ER visits.
• NurseLine
  Provides employees with after hours access to registered nurses for advice about non-urgent medical conditions.  Providing resources to help employees make informed choices about their health is consistent with goals of most employers’ high deductible health plan strategies.

Wellness Program Information

American Fidelity offers our customers information and support when considering or implementing wellness programs such as those described below.   We would be happy to schedule a meeting to discuss the most common features and key considerations for an employer who wants to establish one of these programs.

• Provide education to both employees and employers: The most basic level of wellness assistance an employer can provide to employees is education about how to make healthier lifestyle choices.  To encourage people to understand the link between their behavior and chronic disease, the information and recommended strategies should be manageable, possibly taking into account the employees’ environment and culture. There are a number of creative ways an employer can deliver ongoing employee education and access to wellness information.
• Employee Assistance Program (EAP):  EAPs are intended to assist employees and their families deal with personal problems that might adversely impact their work performance, health, and well-being.  EAP counselors provide assessment, support, and if needed, referrals to additional resources.    These services are usually pre-paid by the employer and free to the employee and household members.  In most cases, the employer contracts with a third-party company to manage its EAP.
• On-Site Clinics: A number of employers have implemented on-site clinics to provide direct care for employees.  Typically the employer pays a negotiated flat fee for a nurse practitioner to provide care at the employee’s place of business.  The fees - the majority of which usually include simply the cost of the provider’s salary and medical supplies - are often significantly less than what a regular physician would charge to see the same number of patients in a day.  Plus, the convenience of having the clinic on-site benefits both employees and the employer due to reduced time away from work, which could result in greater productivity.

American Fidelity Assurance Company does not provide tax or legal advice.