Buying a program is the easy part. Getting the right employees to use it, and keep using it, is where the value is won or lost. We help design the communication and incentive structure that gets a program opened, not just purchased. Engagement is reported every quarter as part of our health and cost strategy.
General announcements reach employees who are already healthy and engaged. We design outreach for the people the program was chosen to help.
A program chosen for a specific cost driver should be introduced to the people it serves. Where the vendor can reach eligible members directly, we use that channel, so the message arrives from the program, not from HR. Targeted outreach improves wellbeing program engagement.
Shift workers, field staff and remote employees need different channels. We plan the mix around how your workforce actually communicates, because a message that never arrives cannot persuade. Channel planning helps wellbeing programs reach every employee. Plan the channel mix.
Employees hesitate to join a health program if they think their manager will see the results. We say plainly what the employer can and cannot see, which removes the most common reason people hold back. Clear privacy messaging raises wellbeing program participation.
Participation fades after launch. We schedule reminders around moments that matter, such as open enrollment and new-hire orientation, so the program stays visible all year. Year-round reminders keep wellbeing engagement from fading after launch and keep the program visible to new hires.
Incentives work, but they bring rules. HIPAA, the ACA, the ADA and GINA each reach wellness programs in different ways, and the agencies have revisited their guidance more than once.
A reward for simply taking part is treated differently from a reward for hitting a target. Outcome-based programs must offer a reasonable alternative to anyone who cannot meet the standard, so we design that path from the start. Outcome-based wellness programs must offer reasonable alternatives.
Federal rules cap how large a health-contingent reward or surcharge can be, including tobacco surcharges. We size incentives within the current rules, and counsel confirms the design before launch. Federal limits shape wellness incentive design. Counsel confirms the design before launch.
Screenings and health questionnaires raise ADA and GINA issues about what is voluntary and what can be asked about family members. That is why we route those design choices through counsel, not the vendor. ADA and GINA rules shape wellness screening design.
Points for step counts and webinar attendance generate activity. Activity is not the same as outcomes.
Completing a preventive visit or staying on a maintenance medication tends to matter more than logging a workout. We tie rewards to those steps, so the incentive follows the cost driver. Rewarding cost-relevant steps makes wellness incentives effective. Reward preventive steps.
A premium credit shown on each paycheck is easier to value than an annual gift card. We choose the form of reward employees will notice, which keeps the incentive working after launch. Visible rewards keep wellness incentives effective. Paycheck credits get noticed.
We agree on the engagement measures before launch and compare them with the goals set at selection, so the program is renewed on evidence rather than on habit. Agreed engagement measures make wellbeing program renewals evidence-based. Renew on evidence, not habit.
It can shift behavior and cost, but it is regulated as a health-contingent program, which means a reasonable alternative and a cap on the amount. We weigh the administrative effort against the benefit before recommending one. Tobacco surcharges need careful compliance design.
Low engagement usually points to the wrong audience, channel or program. We diagnose which before adding incentives, because paying people to use a poor fit rarely lasts. Diagnosing the cause fixes low wellbeing engagement. Paying people to use a poor fit rarely lasts.
Visible use by managers and leaders makes participation normal. We build that into the launch plan, since employees follow what they see, not what they are told. Leadership participation boosts wellbeing program engagement, because employees follow what they see managers do.
Related reading: Teladoc Health explained for employers
The laws and rules named on this page link to the statute or regulation they come from. This is general information, not legal or tax advice, and rules change, so check the current text.
The 2010 health reform law, with later amendments, behind employer coverage, reporting and market rules.
Federal privacy and security standards for protected health information held by health plans.
Prohibits disability discrimination in employment and other areas.
Limits use of genetic information by group health plans and employers.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.