Is Your Company’s Health Plan Actually Costing You More? The Debt-Free Difference
In today’s competitive landscape, offering health benefits is a given. But are your benefits truly working for your employees – and for your business? For far too many organizations, the answer is a resounding “no.” Medical debt isn’t just a personal hardship for your team; it’s a quiet crisis eroding workplace productivity, morale, and your bottom line.
The Hidden Drain: When “Insured” Doesn’t Mean “Protected”
You offer health insurance, but are employees still delaying care because of high deductibles or unexpected bills? The reality is startling: in 2024, Americans borrowed an estimated $74 billion just for medical expenses, and nearly half of U.S. adults are “Cost Insecure” or “Cost Desperate”. Even with coverage, high out-of-pocket maximums and coinsurance can trigger a financial crisis, often leading to crowdfunding campaigns just to cover routine medical expenses. This isn’t just heartbreaking; it’s a symptom of a broken system where plans are “affordable to buy but not affordable to use”.
For employers, this translates directly to:
Higher Claims: Delayed treatment often leads to more severe, expensive conditions later.
Lost Productivity: Financially stressed employees are prone to presenteeism and absenteeism.
Increased Turnover: Healthcare anxiety is a leading, yet often overlooked, reason why valuable employees leave.
Introducing the Debt-Free Difference
At Tri-Plus Wellness, powered by New Journē Consulting, we’re redefining healthcare with the Debt-Free Health Plan[cite: 160]. This model isn’t just a redesign; it’s a fundamental rethinking of how healthcare should work – centered around accessibility, predictability, and dignity. Our plan removes the biggest financial blockers: deductibles and coinsurance. While an underlying health plan ensures Minimum Essential Coverage (MEC), these common out-of-pocket costs are strategically reimbursed through a supplemental benefit, effectively eliminating most unexpected expenses for your employees.
Imagine a world where your employees can:
- See the doctor early before an issue worsens.
- Access services without surprise costs.
- Avoid the stress spiral that comes from medical debt.
- Beyond the Balance Sheet: The Strategic Advantage for Your Business
Offering a Debt-Free Health Plan is more than generous; it’s a strategic move that pays dividends. It directly improves workforce performance, reduces turnover, and stabilizes long-term healthcare spend. When employees feel seen, heard, and supported, and when their health benefits provide genuine protection, you build loyalty that traditional plans simply can’t.
Our model fosters:
Higher Retention: Employees are less likely to leave for “better benefits” when they have peace of mind.
Increased Productivity: Healthier, less stressed teams are more engaged and productive.
Attraction of Top Talent: A truly supportive health plan becomes a key differentiator in recruiting.
Cost Control: Through strategic plan design, tax savings (like FICA savings from pre-tax deductions), and proactive care management, you gain more control and predictability over your healthcare expenditures.
How We Make It Work: A Unified Ecosystem of Support
The Debt-Free Health Plan is a robust solution made possible through a synergistic team and innovative platforms like AMETrust® and Redirect Health’s EverydayCARE®. AMETrust®, a Multiple Employer Trust (MET), pools risks across many employers, leading to greater stability and affordability. Our partners, including Allied TPA, Allied Wellness, and Redirect Health, manage everything from technology, claims, and customer service to comprehensive wellness programs and care navigation, ensuring a seamless experience for both you and your employees.
Ready to Build a Better Way?
The traditional employer-sponsored model is outdated, often harming the very people it was designed to help. The Debt-Free Health Plan changes that. It’s a smarter, more human-centered path that removes financial barriers, supports holistic well-being, and makes your benefits a true asset to your brand and culture.
Don’t let medical debt secretly drain your business. It’s time to rethink how you support your workforce through healthcare.
Contact Tri-Plus Wellness today for a free consultation and discover how a debt-free path to healthcare can transform your organization.