Lower health care costs
Clarion Care is a three step process for the employee.
1.) Shop, compare and buy qualified high deductible health insurance
2.) Sign up for a Health Savings Account in less then 5 minutes
3.) Fill out the Health Management Interface and invite their doctors to be part of their health team
To see if how an HSA coupled with a high deductible health insurance compares to tradition insurance try our insurance calculators
Portability
Clarion Care is a portable health account that is linked to each individual. Because these accounts are specific to the person, not the corporation, no matter how, or when, an employee goes elsewhere their insurance goes with them, and whatever amount is deposited into the account is each individuals to keep, and spend, regardless of what happens to their employment .
Custom Fit
As an employee, ask yourself this: Is your employer better then you at choosing 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 for you and your family? 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 the employees use their own personal and secure Clarion Care account to customize a plan that is the best fit for them.
Easy to track
Most people manage their personal health care from a couple of files tucked into a file cabinet. With Clarion Care employees manage care for themselves and their family electronically in one centralized location. Clarion Care will give you the tools to save files from doctors visits, inputted 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 employees which doctor they 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 forces employees 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 less per visit.
With Clarion Care employees are able to choose any doctor they wish for their routine procedures. And, depending on the type of insurance they choose, referrals may be as easy as their primary care doctor saying, “Call Dr. Jones.” Rather than a maze of referral paperwork.
More Treatment Options
When employees directly control the health care dollar they also have many new options. For instance employees can use their health care savings for thing that most insurance plans do not cover including dental care (including braces or dentures), weight loss or stop smoking program, over the counter cold medicine, and even message. (more HSA qualified medical expenses)
Employees are not limited by the seemingly arbitrary choices of an insurance bureaucracy. Their health is truly in their hands and caring for oneself is actually rewarded through tax incentives as well as health savings and wealth building opportunities.
Health Security (Accumulation)
The contributions made by employers roll over each year, and grow in each members personal health savings account. If the employee and business, at any time, parted ways the remaining balance can be used by that employee to maintain their health care without interruption for as long as he or she needed to.
This is far more secure than the current standard which delivers a terrible shock when an employee parts ways with a company and receives their COBRA notification. For an employee paying $330.00 a month for health insurance, learning that you can extend your insurance sounds great until they find out the premium is $1200.00 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 they can continue to use their health saving to pay their health care costs.
Private Record Storage/Management
Employees are able to manage all the health care records for themselves, and their family members 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 in the control of the employee. The same entities may request the information from the employee but what to disclose is up to them.
Tax Free Medical Spending
In addition to expanded treatment options employees get valuable tax savings opportunities. Rather than using taxed dollars to pay for dental visits, therapy, cold medicine, or vision correction surgery, employees use their 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 (more )