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Proactive Care vs
Reactive Care

What's the difference?

The Difference Between Proactive Care and Reactive Care

Are you aware of how most healthcare plans work? For many, going to the doctor does not occur until after they are already sick. This trend is reinforced by most health insurance companies.

Reactive healthcare can be expensive. In many cases, necessary treatments can be cost prohibitive. Proactive healthcare presents an opportunity to save money by preventing medical issues and mitigating expensive healthcare costs.

The Problems with Reactive Healthcare

Preventative care isn’t just for old people. Younger people are better served spending money on preventing issues before they happen. It saves money and allows individuals to get way ahead of health issues. This is not a generational issue, ALL of society needs to get ahead of their health issues.

When a doctor prescribes medication, it is to treat a symptom of a problem. This type of care is expensive. Prescription medication tends to be anything but affordable. This style of care quickly adds up, especially when prescription medicines tend to be anything but affordable. To employers and insurance agencies, the increase of people seeking care makes the overall costs of funding healthcare more expensive. These costs are passed onto businesses and individuals alike through higher premiums and deductibles.

On top of additional expenses, traditional healthcare fails the patients it is there to help. Allowing people to succumb to cancer or even suffer from simple illnesses is not good for society. If people must become sick before seeking treatment, then there is a higher likelihood of spreading the disease. If the goal of doctors and hospitals is to maintain health levels across populations, waiting for sickness to show itself is not an efficient way of helping people.

According to the CDC, 86% of the total healthcare expenditures are for people with chronic and mental illnesses. The same study shows that half of US adults had one or more chronic issues. These are huge numbers and they show just how severe of a problem our society has. A large part of our spiraling healthcare costs is because we live in an unhealthy country.

The vast majority of chronic diseases are not hereditary but are instead symptoms of poor habits. The four main risk factors that correlate to over 90% of chronic disease are as follows: tobacco use, alcoohol consumption, physical inactivity, and unhealthy eating.

We can spend as many trillions of dollars on healthcare as we want, but all the money in the world will never solve the underlying issues. Americans are dangerously addicted to unhealthy habits that manifest themselves through poor lifestyle choices. As healthcare costs rise and businesses struggle to cut costs, it is clear that the old way of doing things will not work anymore.

Preventative Care Can Encourage Healthy Living and Reduce Costs

By not waiting for health issues to become a problem, preventative care seeks long-term solutions. Focusing on an individual's choices allows proactive health plans to mitigate chronic disease. Instead of focusing on health care premiums and the level of treatment that is available, we need to be focused on making the right personal choices.

Obesity as a Root Cause of Healthcare Costs

There is no perfect insurance plan that can properly help all Americans if 65% of Americans are overweight. Excessive weight gain in adolescents promises an even more expensive healthcare system in the future. By 2025, healthcare costs, due to obesity alone, are expected to soar over $261 billion dollars annually.

Focusing on obesity, businesses are in a unique position to help employees. Because most of the day is spent at work, it is easy for a sedentary lifestyle to become a normal routine. By actively encouraging a preventative care program, businesses can be at the forefront of changing the healthcare landscape. Causes of unhealthy lifestyle include physical inactivity and unhealthy eating. Treatments for both involve a more compassionate approach. Waiting until a patient is in the hospital due to complications is both expensive and unhelpful.

Tobacco and Alcohol

72% of Americans relate their stress levels back to their jobs. Stress, independent of negative health factors, is a potentially life-threatening symptom. Stress can lead to hypertension and heart attacks, both deadly occurrences. To manage stress, many Americans turn toward tobacco and alcohol as remedies. These unhealthy options tend to compound themselves because the majority of people identified as alcoholics smoke as well.

With this information, it becomes clear that if employers want to cut down on medical costs, implementing a preventative care program at a person's place of work can prove to be effective. If most of an individual's stress comes from their employer, then it makes sense to support healthier lifestyle options for employees.

Programs should include educational materials about drinking and tobacco use. This also includes educational materials about drinking and tobacco use. Providing a support system for individuals who make unhealthy choices can act as a lifeline and help your employees make better choices, increase their health, and increase morale.

The Benefits of PHMP

With the average life expectancy of around79 years, investing in preventative care promises to be a valuable endeavor. While health is important, simply incorporating a wellness program will only be minimally successful. Working with individuals to make radical changes to their health can prove impossible, even in the best circumstances. Organizing a top down approach absorbs valuable company resources and makes implementation unreasonable, especially for smaller businesses.

The PHMP does not rely on voluntary actions and company participation alone. Participants in the PHMP are incentivized to take a more proactive role in the management of their health. By providing an indemnity payment for their participation, we can motivate a higher percentage of your employees to take part in preventative actions.

It's not just eating right and exercising that PHMP promotes. The plan includes tele-medicine programs that allow employees to call a doctor whenever they feel sick. It also includes DNA testing, biometric testing, and a host of preventative medical procedures. The aim of the program is to create data and begin tracking employee's health goals.

PHMP includes non-participatory indemnity payments for things like hospital visits and X-rays. Participating employees can receive monthly indemnity payments for following through on preventative measures. Because PHMP keeps employees healthier, companies can expect to see a savings of up tp $330, annually, per employee.

Being healthy and engaging in an active lifestyle is more important than ever before. Incorporating PHMP into your business structure will help to encourage healthier employee behavior. Healthier employees make for a happier work place and more overall health savings.