• Do your health insurance costs keep rising year after year?

• Are your insurance costs so high they are hurting your business?

• Are your insurance costs so high that you want to give up on covering your employees?

If answer to any of these questions is yes then we can help.

We are a Disease Management company unlike any you have dealt with till now. We decrease the cost to you, not by limiting or eliminating any benefits but by helping the members control their chronic diseases better.

It is known that 80% of your healthcare expenses come from 20% of your members. Many of them have chronic diseases like Diabetes Mellitus, Obesity, Hypertension, Coronary Artery Disease including Angina and Heart Attack (myocardial infarction), Congestive Heart Failure, Kidney Disease and disorders of Lipid Metabolism (High Cholesterol).

Poor control of any of these diseases causes the patient to frequently visit emergency room from where he/she is often admitted for running some more tests and observation till the specialist sees him/her. Hospital stay costs $3,000 a day (range $1,600 to $5000 a day). The average length of stay being 3.7days; each admission costs your insurer about $11,000.

In the long run these chronic diseases cause heart failure, kidney failure, stroke and other serious complications. The member may even become home bound or bed-ridden. Whether this patient is your employee or his/her family member, your work will suffer and costs will rise.

What you do not know will hurt you. For the current year most of these charges are paid by your insurer. However, these charges are built into your next year's quote for the insurance premium (experience rating). That is why the cost of your insurance premiums, co-pays and deductibles keep going up.

Remember, ultimately every penny of the health care related expenses is paid by you.