United Benefit Advisors Insight and Analysis Blog

Cost Effective Wellness Strategies for Small Business Employers

By Lori Kunkle, RN, MSN, Clinical Wellness Director for Power Kunkle Benefits Consulting, a UBA Partner Firm
  Sep 15, 2016 10:30:00 AM

UBA Wellness White PaperCompanies like Google®, L.L. Bean®, and Zappos.com® have the ability to spend hundreds of thousands of dollars on wellness programs for their employees. They can build state-of-the-art gym facilities, walking trails around the corporate campus, and offer any number of wellness services to benefit their workers, as well as monetary incentives. For the average employer and small business owners, this type of programming is nearly impossible. Small business owners may not have money to spend on these types of wellness programs, but they do recognize the value of investing in the health and wellbeing for their employees. These are shared strategies you can use to offer your employees opportunities to reduce health risks, control health care costs, and improve productivity and overall wellbeing.

Programming

For small business owners looking to offer “voluntary” wellness programs on a limited budget, look no further than your employee benefits packages. Most employees do not utilize their benefits to their full potential. Motivating and incentivizing your employees to use the benefits that are already provided can be a great way to launch a wellness program. Insurance carriers provide preventive screening schedules that can be used to guide your employees to seek regular medical check-ups at no cost to them. Utilizing the schedule can help employees take control of their health and potentially prevent catastrophic health events before they occur.

Several carriers offer great discount programs on top national brands to make living a healthy lifestyle more fun and affordable. Discounts include gym memberships, weight loss programs, tobacco cessation resources, gym apparel and equipment, and other fitness and nutrition resources.

Utilizing local and national resources is also a great way to educate employees on good, healthy behaviors at a limited cost. Organizations such as the American Heart Association and the U.S. Centers for Disease Control offer free, online education resources and information tool kits. Local organizations may have access to grants that can help offset the costs of tobacco cessation and nutrition programming. Local chapters may even offer onsite lunch and learns and be willing to participate in your company health fair.

For additional trends among wellness programs, download In UBA’s new whitepaper: “Wellness Programs — Good for You & Good for Your Organization.

Incentives

Small business owners do not have to offer large cash prizes in order to motivate employees to participate in the wellness programming. Setting up challenges where individuals or teams compete to earn a top prize can be a great way to utilize the natural competitive side of your employees while offering a supportive culture.

To understand legal requirements for wellness programs, particularly as it relates to incentives, request UBA’s ACA Advisor, “Understanding Wellness Programs and Their Legal Requirements,” which reviews the five most critical questions that wellness program sponsors should ask and work through to determine the obligations of their wellness program under the ACA, HIPAA, ADA, GINA, and ERISA, as well as considerations for wellness programs that involve tobacco use in any way.

Sample Programming

Begin by offering a thoughtfully created program that recognizes the importance of the work-life balance. For example, create a “passport” to health and wellbeing. We suggest including a few of the following activities:

  • Get an annual physical, dental, and vision exam
  • Take advantage of preventative cancer screenings (skin, colonoscopy, mammogram, etc.)
  • Utilize the Employee Assistance Program (EAP)
  • Get a flu shot
  • Complete a biometric screening
  • Complete online health coaching on a health topic through the insurance carrier portal
  • Attend a company lunch and learn on a health related topic
  • Participate in an office health challenge (step, weight loss, etc.)
  • Volunteer in your community
  • Participate in a community walk, run, bike event

Employees can have their passport stamped as they visit with providers and participate in organizational events. Wellness Committees have found success in offering raffle tickets for each completed item and offering drawings for wellness-related prizes at a company picnic or end of year holiday party. Additionally, a point value can be used and participants can earn points to be in a drawing for achieving gold, silver or bronze status.

To ensure your program produces real culture change over time, consult these six steps to a successful, sustainable workplace program.

Summary

Small business owners do not have to break the bank to offer their employees great wellness programs. Take a look at what is offered through your current benefits and educate your employees on how to take full advantage of what they offer. Do not be afraid to reach out to local organizations to see what kind of free or low-cost programming is available.

For the latest statistics from the UBA survey examining wellness program design among 19,557 health plans and 11,524 employers, pre-order UBA’s 2016 Health Plan Survey Executive Summary which will be available to the public in late September.

 

Written by Lori Kunkle, RN, MSN, Clinical Wellness Director, Power Kunkle Benefits Consulting, and Ryan Kunkle, BS, MS, Wellness Consultant, Power Kunkle Benefits Consulting

Topics: wellness, small business, UBA white paper, Lori Kunkle, voluntary wellness programs, wellness compliance