Why Smart Benefits Are the Future of Employee Healthcare
The Problem with Traditional Healthcare Benefits
Hey there, business rockstars! It’s me, Liv Wise—your friendly, multi-tasking octopus here to make healthcare make sense for your business.
Let’s talk about something that’s been draining your budget and stressing out your employees—health benefits. Traditionally, employee healthcare benefits were supposed to be a major perk of a job. But for many businesses, they’ve turned into a financial headache instead. Rising costs, high deductibles, and complicated coverage rules make it harder for employees to actually use their benefits—and harder for you to afford them.
But what if health benefits could be smarter? What if you could cut costs, keep your employees happy and healthy, and still offer competitive benefits—all without breaking the bank?
That’s where Smart Benefits come in.
What Are Smart Benefits?
Think of Smart Benefits as your business’s secret weapon against rising healthcare costs. Unlike traditional plans that hit employees with high premiums, copays, and out-of-pocket expenses, Smart Benefits focus on providing care efficiently, reducing unnecessary costs, and keeping your workforce healthy.
Here’s what HealthWise Smart Benefits bring to the table:
✅ $0 copay virtual primary & urgent care—because nobody should avoid the doctor just because of cost.
✅ Mental health TeleCounseling—because stress and burnout are real, and support should be accessible.
✅ Prescription coverage with no out-of-pocket costs—say goodbye to surprise pharmacy bills on most used meds!
✅ Bill advocacy and care management—because no one should have to navigate the healthcare system alone.
✅ Portable Whole Life Insurance Policy—because financial security matters, too!
And the best part? Smart Benefits can enhance your existing health plan OR stand alone for businesses that don’t offer traditional insurance.
Why Smart Benefits Are the Future of Employee Healthcare
1. Smart Benefits Save Employers Money
Business owners everywhere are watching their healthcare costs rise year after year, and it’s not slowing down. According to the Kaiser Family Foundation, employer-sponsored health insurance premiums have increased 47% over the past decade—yikes!
Smart Benefits help businesses get ahead of these rising costs by reducing unnecessary claims, promoting preventive care, and keeping employees healthier overall.
That means fewer sick days, fewer big medical bills, and a healthier, more productive workforce. Sounds like a win-win to me!
2. Employees Want Simpler, More Affordable Healthcare
If you think employees are happy with their current health benefits, think again.
The numbers don’t lie:
64% of Americans delay medical care because of cost.
50% of bankruptcies in the U.S. are caused by medical bills—even for those with insurance.
Engaged, healthy employees lead to a 22% increase in profitability.
With Smart Benefits, employees don’t have to choose between paying rent and going to the doctor. They get the care they need, when they need it—without financial barriers.
3. Smart Benefits Improve Employee Retention and Engagement
Let’s be real—benefits play a major role in whether an employee stays or goes.
76% of employees say they’d stay with an employer longer if they had better health benefits.
Employees who feel their benefits meet their needs are 2x more likely to be highly engaged at work.
Companies that offer competitive benefits attract top talent and reduce hiring costs.
Offering Smart Benefits shows your employees that you care about their well-being—which means happier, more loyal employees and a stronger workplace culture.
4. Preventive Care = Lower Long-Term Healthcare Costs
Most traditional health plans are reactive—they cover major health events after they happen, but don’t prioritize preventing those issues in the first place. That’s like waiting until your car engine explodes before getting an oil change! 🤦♀️
With Smart Benefits, employees get access to:
✔ Routine check-ups & virtual primary care
✔ Mental health support to reduce stress-related illnesses
✔ Preventive screenings that catch issues earlyPreventive Care = Lower Long-Term Healthcare Costs
Smart Benefits mean fewer sick days, fewer hospital visits, and lower long-term healthcare expenses for both employees and employers.
5. Smart Benefits are Flexibility and Work for Every Business
Not all businesses can afford full traditional health insurance, and not all employees have the same healthcare needs.
Smart Benefits are designed to be flexible—they can:
Work alongside traditional health plans to fill coverage gaps like mental health support & preventive care.
Serve as a stand-alone benefits package for for businesses without traditional insurance—giving employees access to essential healthcare without high costs.
Whether you’re a small business or a growing enterprise, Smart Benefits provide a scalable, budget-friendly solution to keep your workforce happy and healthy.
The Future of Employee Healthcare is Here
Employers are looking for smarter, cost-effective solutions that actually work for their business and their employees.
With Smart Benefits, your business can:
✅ Reduce costs without sacrificing quality care.
✅ Improve employee engagement, retention, and productivity.
✅ Provide healthcare access without financial barriers.
✅ Future-proof their benefits strategy and stay ahead of industry trends.
And guess what? HealthWise is leading the Smart Benefits revolution—helping businesses take control of healthcare costs while ensuring employees get the care they need, when they need it.
Ready to see how Smart Benefits can work for your business?
Click below to request your Free Proforma Report!
Liv’s Final Thought:
If there’s one thing I know for sure, it’s this: Smarter benefits mean smarter business. So why stick with outdated, overpriced healthcare when you can upgrade to Smart Benefits today?
I’ll be here with all my tentacles, ready to help you navigate the future of employee healthcare. 💚
HealthWise is a minimum essential coverage plan is available as defined by the Affordable Care Act. This is NOT Major Medical insurance. Limitations and exclusions apply.
HealthWise is 100% legal and compliant. This is a tax-qualified plan with a well-being focus that uses tax advantaged provisions under the Internal Revenue Service (IRS) codes "Section 125 Cafeteria Plan and codes 105, 106, and 213(d)" and ACA wellness rules.