Our WE-Care Solution

Health insurance is not really “health” insurance anymore, it has become “sick” insurance, or “I don’t want to use this if I don’t have to” insurance. I-Care aims to put the “health” back into health insurance by providing resources that reduce unnecessary care while ensuring quality and affordable care is always available when needed.

Our approach is unique, developed by bringing two concentrations that strongly complement one another - employee benefits and wellness – and are sadly overlooked in the industry as being an integral part of holistic care. The correlation between benefits and wellness is undeniable, and we believe they should be provided together through our CUSO.

By helping to improve the physical and mental wellbeing of our clients’ workforce, coupled with guidance to effectively navigate insurance plans, credit unions can achieve not only a happier, more productive environment, but can also improve the utilization of their insurance options and expenses.

When employees truly understand their benefits, options, and utilization levels, it positively impacts their expenses and overall quality of life.

Why Education?

Research proves that employers who deliver effective and recurring education about their health plan options to employees benefit from the following:

• Cost Savings: Understanding premiums, deductibles, copays, and out-of-pocket maximums can prevent unexpected expenses.
• Utilization of Benefits: Educated employees are more likely to utilize their health insurance benefits fully, including preventive care services, which can lead to better health outcomes and lower overall healthcare costs.
• Avoiding Penalties: Helps employees comply with enrollment deadlines and avoid gaps in coverage. 
• Understanding Networks: Educates employees on in-network vs. out-of-network providers to reduce claims costs and out of pocket medical expenses.
• Navigating Claims and Billing: Reduces confusion and disputes by understanding how claims are processed and what is covered.
• Utilizing Health Savings Accounts & Flexible Spending Accounts: Helps employees save pre-tax dollars for medical expenses.
• Employee Satisfaction: Providing education about health insurance plans can increase employee satisfaction and engagement, as they feel more confident and supported in their healthcare choices.
• Accessing Mental Health & Wellness Benefits: Many plans embed mental health resources, which employees may overlook without proper education.
• Preventing Coverage Gaps: Ensures employees understand qualified life events (e.g., marriage, childbirth) that may require coverage updates.

Credit unions require a fresh and efficient approach to reduce high-cost health claims while enhancing their employees' quality of life. WE-Care helps our clients reclaim control of the rising trajectory of healthcare expenses.