Together, we can permanently reduce the cost of health care benefits and claims.
Corporations and other self-insured enterprises (SIEs) derive a broad array of beneficial effects from their employees’ involvement in Cruxpoint’s Breakthrough Seminar and ACES Program. They can expect lower healthcare costs; healthier and more fit employees; much more engaged employees; and much lower side costs such as sick leave, absenteeism, workers comp claims, disability costs, and loss of valued talent through turnover or disability. In addition, there will be a significant impact on company culture.
Financial results come through:
- Lowered healthcare claims
- Lowered costs on a long-term run rate for healthcare
- Lowered costs generated through absenteeism, sick leave, Workers Comp claims, compromised ability to fully deliver on the job role, being a personnel problem
- Improved performance as an employee, in both attitude and productivity
For the self-insured enterprise, there are very substantial pay-offs:
- Lower run-rate of healthcare costs due to lowered claims
- Fewer employees in the high-risk, high-cost categories
- A much higher quality employee
- Reduced side expenses: sick leave, absenteeism, workers comp, disability insurance, low productivity, and such
- Eventually: A more health-focused company culture
- Improvement as an employer-of-choice
Lower healthcare costs
First and foremost is the financial result. We help SIEs permanently reduce the cost of healthcare benefits and claims, while generating better health outcomes for their employees. The financial savings give employers some attractive choices:
- generate more profits
- deliver services and products at a more competitive cost
- compete for better talent by offering better salaries and benefits
For businesses, anything that reduces costs gives them advantages, allowing them to be a better investment, better employer, and better provider of goods and services. There would be little argument that lower cost is an advantage in all marketplaces.
The greatest savings will come from successfully intervening with high-risk and high-cost employees, particularly those who have a longer Projected Term Of Service (PTOS). Since roughly 2-5% of employees cause over 50% of enterprise healthcare costs each year, and about 12-15% cause over 80% of costs on a long-term run rate, success in addressing this population produces a very high return on investment.
Moral, ethical, and practical considerations
There’s some strong evidence that working class and middle class wages have been stagnant for some time. Total compensation to employees has been rising along with GDP growth, but much of the increment in total compensation is made up of increased healthcare costs, not wages. In fact, some non-health benefits programs have been reduced, such as converting defined benefit retirement programs to defined contribution programs. So it’s fair to say that much of the wage stagnation is being caused by the increased costs of healthcare. Any reduction in healthcare costs makes it possible for companies – if they wish – to improve cash compensation or other benefits.
The research is increasingly clear that most non-communicable chronic disease (NCD), even including cancer, is not due primarily to bad luck, but is driven by lifestyle choices. As awareness of this fact increases, the way that we think about most chronic disease will resemble how we think about lung cancer and respiratory diseases related to smoking. Namely, due to choices we make. Current research estimates that roughly 75% of chronic diseases are preventable. And now we know that most are reversible.
The consequences land on others. It’s not just the ill or disabled person who pays for these choices. On average, those with compromised health cannot contribute as fully as employees who keep themselves healthy and fit. They cost companies more in sick leave, absenteeism, various kinds of claims, and turnover. They tend to have lower levels of engagement at work. High medical costs caused by unhealthy employees consume money that can be used to pay everyone higher wages or provide better benefits.
Just as costs land on others, when employees restore their health, so do the benefits. When ill or disabled employees take responsibility for their health, vitality, and quality of life, they are the first ones to benefit. But others – spouses, children, team members at work, the entire employee population, and the company – also benefit.
If companies can find a compassionate way to help these least-well employees regain their health and vitality, it’s a huge win-win across a whole landscape of people. It’s a huge victory – in both human and financial terms. It is here that Cruxpoint offers a solution.
Culture and leadership
Employees in the Health Breakthrough Seminars and Programs will have a visible positive impact on company culture and leadership. Health Breakthrough participants will demonstrate more purpose, focus, and clarity. They will come to work with more spirit and energy. They will manage their own careers better. They will be much less tolerant of those who chronically display a victim mindset or cheat the company of productivity, time, and resources. They will consume less management time and attention. In general, they will expect more of themselves, be happier at work, and will expect the same from others. They will help make the company culture healthier – in more ways than one.
These benefits come about when people adopt the mindset of personal responsibility. Employees who take charge of their health, vitality, and quality of life, will display similar attitudes of responsibility in other parts of their lives – including their work lives.
At Cruxpoint, we have 40 years of experience in guiding people to such a life-changing perspectives.
The value/cost ratio
Purchasing the Health Breakthrough Seminars or the ACES Program for employees is a large investment. Can such an investment be justified in terms of return on investment? Cruxpoint programs will demonstrate a substantial, measurable, and durable return.
Cruxpoint programs take people far beyond issues of just physical health, and help people achieve a breakthrough in life and living. The health issues are the compelling part of this program because of the financial costs involved in poor health and the personal costs of living with compromised or deteriorated health. But our programs are much more about how to live, how to work, and how to have a fulfilling life. Good health is the foundation.
It is not for us at to tell people how to live, but rather to guide them in a process of discovery and commitment, where they decide how to add purpose, meaning, vitality, and fulfillment to their lives. Overall, companies and participants will derive a broad array of benefits – financial and otherwise – from participation in our programs.