• A new innovative way to end the trend of escalating health plan cost
• A state filed fully-insured supplement to your self-funded or fully-insured group medical plan
• A way to reward employees who minimize their risk for lifestyle related medical claims.
• Patent-pending. Not available from any other source

"I hope by sharing my story, companies may help others get life saving information through the BeniComp Advantage program."

"When I heard about the changes being made in our employer’s health plan, I didn’t like it. I knew it was probably going to cost my family more money. The medical plan deductible was really HIGH. Our employer told us that a new supplemental insurance would give us the opportunity to earn four $500 credits to reduce our cost so that we may not have to pay any more than what we previously paid with our previous lower deductible."

Looking at the credit criteria, I knew my blood pressure might disqualify me from one of the $500 credits.Still, I had to participate if I wanted the opportunity to reduce my deductible costs as much as possible, so I enrolled in the BeniComp Advantage program. To my surprise I earned the blood pressure credit, but discovered my total cholesterol number was 267. I was shocked! I had no idea. I felt fine...

It’s familiar news by now that America’s obesity epidemic is both dangerous and costly. Obesity significantly increases the risk of many diseases, including heart disease and diabetes, and is associated with at least 112,000 deaths a year. The economic effect is equally startling: Obese patients add an estimated billion a year to the nation’s medical bill.

"Try Tax Breaks for Weight Loss Or a 'Fat' Tax at the Check Out"

Despite a lifetime of hard living, cheap cigarettes and even cheaper booze, a 72-year-old patient of mine continues to sputter along, his skeletal body flirting with the need for life support.

Financing for a good portion of the expensive medications that help keep him alive falls under the new Medicare prescription drug benefit that starts next year. He told me that with all the money he saves thanks to Medicare, he plans to go back to smoking the often-more-expensive unfiltered Camels. Doctors know that lifestyle choices are killing our patients. I teach and cajole and try to motivate and set an example, but it too often fails to dislodge ingrained behavior. What is missing from the cost equation in health policy is personal accountability..