Live a Healthier, Wealthier Life
Each Employee receives access to a private, secure Clarion Care EDA: Employee-Directed Account. It is the EDA that enables portability – this means you have a coverage option that it specific to the employee providing a level of security not provided with a standard plan. It also represents financial incentives for healthy living that can increase net worth through the use of integrated health savings accounts. EDA empowers your employees -giving them greater flexibility to choose the doctors, care-related services and coverage that fits their specific need. Unlike the standard one-size-fits-all insurance package, a Clarion Care account is the best way to ensure that your employees truly benefit from their benefits.
Clarion Care guides Employees through a three step process
1.) Create a personal EDA
2.) Evaluate, shop, compare, and select health savings, health care and insurance options
3.) Begin building a Health Management Interface and invite your doctor to be part of your health team
See how an HSA coupled with a high deductible health insurance compares to standard insurance try our insurance calculators
The benefits in comparison to a standard insurance plan include:
Portability
Clarion Care encourages individuals to buy their own insurance so that the individuals are not dependent on employment for insurance. Because Clarion Care accounts are specific to the person, not a company, no matter how, or when, your employment ends your insurance, medical information and health savings will go with you.
Whoever your employer is they can give tax free contributions into you Clarion Care EDA.
Custom Fit
As an employee, ask yourself this: Should you or your Employer choose the health plan that is best for you and your family? Does your employer understand the medical history of your entire family? Would you like to disclose your medical history and potential health issues with your employer?
Most people cringe when they think about disclosing this personal information to their employer – but without this information how can a department from within your company choose the most effective care options? Even if they were to pick the right plan for you it is likely the wrong plan for the guy in the office next to you. With Clarion Care you can use your own personal and secure Clarion Care account to customize a plan that fits best fit .
Easy to track
If you're like most then you manage personal health records from a couple of folders tucked into a file cabinet. With Clarion Care you and your family can manage and store your information electronically in one centralized location. Clarion Care gives you the tools to save files from doctors visits, input health history, view spending history, tracking health savings and maintaining a detailed family health history, all through the easy to Clarion Care Health Management Interface (HMI).
Limited Networks
Networks were created to save insurance companies money, not benefit the end consumer. The insurance company can save money and offer lower premiums by telling you which doctor you must see. While many of these networks are set up in an attempt to save money it can actually end up sustaining the worst in the medical profession, and can force consumers to choose from a list of the, “lowest bidders.” Meaning rather than judge health care providers on their merits networks are chosen based on their willingness to accept a lower level of reimbursement per visit.
With Clarion Care you are able to choose any doctor you wish for routine procedures. And, depending on the type of insurance you choose, referrals may be as easy as their primary care doctor saying, “Call Dr. Jones.” Rather than navigating through a maze of referral paperwork.
More Treatment Options
When you direct your health care dollars you open yourself to many new options. For instance you can use health care savings for things insurance plans may not cover such as dental care (including braces or dentures), weight loss or stop smoking programs, over the counter cold medicines, and even massage. (more HSA qualified medical expenses)
You are not limited by the seemingly arbitrary choices of an insurance bureaucracy. Your health is truly in your hands and caring for oneself is actually rewarded through tax incentives as well as health savings and wealth building opportunities.
Health Security (Accumulation)
Any remaining contributions made by you or your employer can roll over each year, and grow - especially when using a health savings account. If you and your employer, at any time, part ways any existing balance can be used by you to maintain your health care without interruption for as long as you need.
This is far more secure than the current standard which delivers a terrible shock when an employee parts ways with a company only to receive COBRA notification. If you are paying $330 a month for health insurance, learning that you can extend your insurance sounds great until you find out the premium can be as high as $1,200 a month.
Clarion Care members can maintain their Clarion Care accounts, and can adjust their contributions as needed. No shock, no surprise, no need for COBRA paperwork. Nothing changes and you can continue to use your health savings to pay their health care costs.
Private Record Storage/Management
You are able to manage all the health care records for you and your family from one secure location. Making information readily available and easy to find in those times when it is needed.
Rather than a medical history sent from doctors office to doctors office to insurance company to the IRS, medical records are now under your control.
Tax Free Medical Spending
In addition to expanded treatment options you get valuable tax savings opportunities. Rather than using taxed dollars to pay for dental visits, therapy, cold medicine, or vision correction surgery, you can use your health savings account which is tax free money. The unspent medical savings can then grow tax free and be placed in a variety of investment vehicles.