Wellbeing & Population Health

Most wellbeing vendors can show results. The question is whether they will show them for your people.

Every vendor has a success story from someone else’s population. We vet wellbeing and disease-management programs against your own data and workforce, and we say no to the ones that will not move the needle, even when they are easy to buy.

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How We Vet

A program has to clear four tests before price is discussed.

We start from what your population health review found, not from the vendor’s category. A program that fails any of these tests is not a bargain at any price.

Does It Target Your Cost Driver?

A diabetes program is only useful if diabetes is driving your cost. We match each candidate to a specific finding, so nothing is bought because it was popular elsewhere.

Can Your People Use It?

An app-only program will struggle with a workforce on the floor or on the road. We test the delivery model against how your employees actually work, because access decides engagement.

How Is Success Measured?

Vendors often report their own results using their own method. We agree on the measure and the baseline before contracting, so the outcome can be checked independently.

Does It Overlap?

Carriers, pharmacy managers and existing vendors often include similar services already. We map what you already pay for, which can remove the need for a new contract.

Where the selection starts: the population review →

What Goes Wrong

The costliest program is the one nobody measures and everybody renews.

Wellbeing contracts rarely fail loudly. They fade: engagement drops, reporting thins out, and the fee continues.

Self-Reported Savings

A vendor calculating its own savings against its own assumptions will usually find some. We ask how the comparison group was built, because that choice decides the answer.

Fees on Enrollment, Not Use

Paying per enrolled member rewards sign-ups, not outcomes. We push for fees tied to engagement or results where the vendor will accept them, so their incentive matches yours.

No Exit

Multi-year terms without performance standards leave you paying for a program that has stopped working. We negotiate guarantees and termination rights before signing, not after disappointment.

How we hold vendors to their numbers →

The Decision

Saying no is part of the service.

The value of vetting is as much in the programs you skip as in the one you choose.

Buy

When a program targets a real driver, fits how people work and accepts independent measurement, we recommend it and set the goals it will be judged against.

Use What You Have

When an existing carrier or pharmacy program covers the need, we activate it instead, which avoids a new fee and a new login for employees.

Wait

When the data does not support a program, we recommend waiting, so the budget is there when a real need appears.

See our full wellbeing approach →

Common Questions

What employers ask about choosing a wellbeing program.

Our carrier offers wellness credits. Should we use them?

Often, yes, as long as the credits fund something your population needs. We check what the credits can be spent on, because money tied to a carrier’s menu is not always money well spent.

Do smaller employers need this?

A smaller group has less data, so we lean on plan design and existing programs first. A targeted vendor becomes worth it when a clear need shows up.

Who manages the vendor once chosen?

We manage the vendors behind the program: reviewing reports, tracking agreed measures and raising problems early, so the program is judged on evidence at every renewal.

How vendor contracts are overseen →

Let’s Get to Work

Send us your renewal.

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.

What to send

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.

CFH Insurance Consultants

An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.

Michigan41000 Woodward Avenue, Suite 350 East
Bloomfield Hills, MI 48304
248.370.8853
Colorado13540 Northgate Estates, Suite 100
Colorado Springs, CO 80921
719.425.2649
Texas16365 Park Ten Place, Suite 182
Houston, TX 77084
281.404.5670

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