Wellness Alliance

Imagine being able to provide access to education and natural solutions to the people who depend on you for their healthcare needs. Imagine having a whole team of holistic healthcare professionals and wellness advocates working to improve the health and well-being of your employees, your clients, or your members.

Imagine how powerful having a benefit like that would be to your business. Now, imagine a partnership where offering those benefits cost you nothing.

Ready to learn more?

Forbes Top Mid-Size Employer, doTERRA, Already Seeing Massive Success Reducing Healthcare Costs

A Proven System of Success

Health Insurance Companies Already Seeing Massive Success Reducing Healthcare Costs

Natural Options Cost Less

Financial Professionals

As a financial professional, you are doing an amazing job making sure that every client you met with has their unique financial needs met. As you are taking in the complete picture of your clients needs, their current health will have an impact on the both their immediate needs, but will also impact their long term financial security. Their ability to get approved for and afford: Health Insurance, Life Insurance, and Long Term care needs, are all affected.

These limitations can be both frustrating to you as the professional unable to adequately cover your clients needs, but it also sets you client of for financial hardship in the future, as their healthcare needs continue to rise and they spend the money that should have been put away for retirement or as part of their financial legacy to future generations.

Poor health ahead of and into retirement could hurt your clients financially in several ways.

One risk is that they will incur higher health care costs in retirement. Fidelity estimates that an “average” 65-year-old couple retiring in 2016 would need $260,000 to cover health care in retirement, and cautions that factors like health and longevity could shift those needs.

They might also face income shortfalls if health issues force your client out of the workforce. Among U.S. retirees in the Aegon survey, 61 percent said they retired sooner than planned — and 31 percent did so due to poor health. An early exit could mean missed opportunities for savings (and to take advantage of catch-up contributions), a need to stretch retirement savings over a longer time frame, and fewer chances to work in retirement (if that was part of the plan).

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The Solution: Institute an Effective Client Wellness Program

Setting you apart and helping provide an amazing free service to your clients while improving their health outcomes and your policy approval rate

You will be partnered with a wellness advocate who will work with each of your clients who have health concerns that need addressing before applying for coverage, or that will cause financial hardship in the future.

Our team of wellness advocates will provide virtual one-on-one consultations for each client, to help them improve their health and quality of life by developing a comprehensive wellness plan unique to them. The client can set these meetings up monthly.

Our team has an understanding of holistic modalities. Our Wellness Advocates, including highly qualified nurses, teach their patients to keep their bodies strong and in balance as common practice using natural safe holistic options such as essential oils and supplementation.

Many reviews found that some alternative treatments yielded the same or better results as traditional medical treatments, and even showed cost savings.

What makes our program so effective is that these wellness consults are completely free for both the agent and the client, we offer natural, safe, and effective options that are more affordable than traditional options, and may be covered through some insurance wellness plans.

Top Health issues We Can Create a Wellness Plan for Your Client and Reduce Their Risk of Being Denied Insurance Coverage or Future Financial Hardship

1. High blood pressure

Since high blood pressure is common, most insurers won’t dismiss your client or label them as high risk. However, high blood pressure can lead to a number of troubling diseases such as coronary artery disease, stroke, kidney damage or peripheral artery disease, so it’s important you can prove to your insurer that the client is able to manage theirr condition.

2. Type 2 diabetes

If your client has been diagnosed with adult onset diabetes, they may be predisposed to other health issues such as coronary artery disease, peripheral vascular disease, renal failure and blindness — making them a higher risk for life insurers.

If the diabetes is under control and you can show evidence that it’s been well managed, you can reduce the risk to the insurer.

3. Sleep apnea

Sleep apnea is a risk in two ways: the resulting lack of sleep and the associated health problems.

Often sleep apnea goes hand in hand with health conditions such as high blood pressure and coronary artery disease. It’s these conditions which place your client in a risk factor category with the insurer.

4. Heart disease

Heart disease encompasses a number of conditions including heart attack and coronary artery disease. To help judge the severity of the heart disease risk, your insurer may look at both your personal medical history and the family’s medical history.

5. Asthma

Asthma is a very common health condition, and as long as you can show medical history to prove that your asthma is well managed (without a history of regular hospital visits), you can generally get approval for life insurance without being penalized.

6. Cancer

This may seem like an uninsurable pre-existing condition, but every cancer diagnosis, treatment and recovery is unique, which is why insurers will treat an applicant with cancer in their medical history individually too — don’t automatically think you can’t get your client covered with life insurance.

In some cases, an applicant with a cancer diagnosis or history may be monitored by an insurance company for six months to a year before being approved.

7. Weight-related health conditions

Obesity is one of those root conditions that can lead to other health problems such as heart disease or diabetes. The level of risk is determined by your body mass index rating and coverage for obese applicants will likely be more expensive. Insurers also may only cover claims unrelated to their weight, while applicants who are morbidly obese may not be able to secure life insurance at all.

At the same time, weight-related health conditions such as malnourishment or anorexia can also affect life insurance premiums, as these applicants are exposed to a range of health risks because of their poor diet and weakened body. For example, applicants who are currently suffering with anorexia may not be able to obtain life insurance coverage, while others may need to prove they’re in remission before being approved.

8. Organ transplants

An organ transplant is major surgery and can significantly affect both the cost and your ability to take out life insurance. In most cases, if you’re recovering from transplant surgery and not experiencing any complications, you can qualify for life insurance.

9. Mental health conditions

Mental health issues have long been a grey area for insurance companies. Getting life insurance if you suffer from a pre-existing mental health condition such as depression will require the condition be well managed and thoroughly documented.

10. High cholesterol

Having high cholesterol puts your client at significant risk for other health conditions such as vascular conditions, coronary artery disease and stroke. The result is that applicants with high cholesterol are assessed in a similar way to those with high blood pressure — if the condition is well managed and under control, you can often receive competitive life insurance premium rates.

Schedule a Time To Chat with Our Wellness Advocate Coordinator


Employers

Overall, premiums for all group health insurance policies have increased 19 percent since 2012. Increasing costs for medical services, caused by both a growing and aging population play a large role but so do other factors like the growing number of people with chronic disease, increased costs for outpatient and emergency room care, higher premiums and out-of-pocket costs.

 

The Problem:

Increasing premiums for employers, Increasing medical costs for employees, Declining health

Patients Avoiding Care

Rising costs have created another casualty – people who skip medical care altogether. They do so not because they are afraid of doctors; instead, they’re afraid of the bills that will accompany the care. A poll by the West Health Institute and NORC at the University of Chicago revealed that over the past year 44% of Americans refused to go to a doctor due to cost concerns. About 40% of those surveyed said they skipped a test or treatment for the same reason. In many cases, those who refuse treatment even have medical insurance. The result of delaying or avoiding treatment is obvious – eventually the care required will be even more expensive.

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The Solution: Institute an Effective Employee Wellness Program

Increasing employee productivity, Reduce Healthcare Costs, Less sick days taken, Happier Employees

Our team of wellness advocates will provide virtual one-on-one consultations for each employee to help them improve their health and quality of life by developing a comprehensive wellness plan unique to them. Every employee can set these meetings up quarterly or up to monthly as needed.

Our team has an understanding of holistic modalities. Our Wellness Advocates, including highly qualified nurses, teach their patients to keep their bodies strong and in balance as common practice using natural safe holistic options such as essential oils and supplementation.

Many reviews found that some alternative treatments yielded the same or better results as traditional medical treatments, and even showed cost savings.

We also create monthly wellness emails to help continue educating employees, we set up company wide programs to help with weight-loss, stress reduction, smoking cessation, and more, plus come and present at employee inservice meetings.

What makes our program so effective is that these wellness consults are completely free for both the employer and the employee, we offer natural, safe, and effective options that are more affordable than traditional options, and can be covered through some insurance wellness plans, monthly wellness budget from employer, or by the employee.

We Are Here to Support You and Your Employees

Our Wellness Advocates will work one-on-one with each employee, as well as integrating company wide health programs. Already have health professionals on staff? Let us help increase their effectiveness!

  • More productive employees
    There are numerous studies that suggest a healthy lifestyle correlates with increased productivity. Don’t believe us? Next time you hit a rut, get your heart rate up and you’ll likely get back in the zone.
  • Less office stress
    Too many people and companies accept workplace stress as the norm. But it leads to burnout, which can result in higher employee turnover.
  • Less colds, flu and other illnesses
    Everyone knows healthy practices prevents illness. And business proceeds as usual when less sick days are taken.
  • Fewer office-related injuries
    Taking a break to exercise or just stretch prevents common office injuries, resulting in fewer worker compensation claims.
  • Happier employees
    Offering a wellness program leads to happier employees. They’ll appreciate the benefit and be generally positive because they’re leading a healthy life.
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Schedule a Time To Chat with Our Wellness Advocate Coordinator


Healthcare Sharing Providers

Medical costs are poised to continue their relatively flat growth in 2019, but researchers say the steady trend is unsustainable for consumers.

The expected 6% growth in 2019 aligns with the 5.5% to 7% trend over the past five years—a welcome change from the double-digit spikes in the 2000s—but higher costs haven’t translated to similar gains in consumers’ health and productivity, said Pricewaterhouse Coopers researchers.

It looks like costs are stabilizing, but they are still going up at a rate above inflation. They are still increasing at an uncontrolled level and are ultimately unsustainable.

Increasing costs for medical services, caused by both a growing and aging population play a large role but so do other factors like the growing number of people with chronic disease, increased costs for outpatient and emergency room care, higher premiums and out-of-pocket costs.

Prevention improves outcomes. It makes people healthier. It improves quality of life. It often does so for a very reasonable price.

Our goal is to work with you to help saving money in our health care system and helping people heal faster through alternative medicine treatments.

We focus more on maintaining health rather than trying the “ambulance mentality” of waiting for treatment after illness strikes, and holistic wellness care offers a lot of advice and natural supplements that can assist the body in maintaining a state of health and wellness. We also offer holistic options that are much safer and often more effective and less expensive solutions when the body is needing extra support!

Our team has an understanding of holistic modalities. Our Wellness Advocates, including highly qualified nurses, teach their patients to keep their bodies strong and in balance as common practice using natural safe holistic options such as essential oils and supplementation.

Many reviews found that some alternative treatments yielded the same or better results as traditional medical treatments, and even showed cost savings.

Schedule a Time To Chat with Our Wellness Advocate Coordinator