With skyrocketing healthcare costs and the impact of the new healthcare legislation, unique solutions for cost containment have never been more relevant.
While most employers are busy studying ways to reduce coverage and increase deductibles as their principal way of containing costs, a dramatic savings can now be achieved by providing low cost benefit alternatives that dramatically reduce claims and provide alternative benefits that maybe cheaper than similar benefits offered through the plan.
Introducing VIR’s Healthcare Cost Containment Plan (“HCCP”), a new way of lower your healthcare costs while increasing benefits to your employees. HCCP aggregates a combination of non insurance healthcare alternatives designed to reduce claims against your current plan. Thus, the savings achieved by filing fewer claims against your plan this year will be reflected accordingly in next year’s premium. Additionally, by offering alternative benefits that can replace more expense plan options, this can reduce existing plan costs.
HCCP focuses on 6 key ways to achieve this goal for a cost of under $10 per month per employee:
VIR can also provide a vast array of addition benefits like identity theft protection, discount legal services, roadside assistance, discount pet care, and an online employee discount CashBack shopping mall featuring over 2,500+ of the nation’s top stores offer special savings.
Our Doctors by Phone Network offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions and prescribe medication when appropriate.
An employee can connect via telephone or e-mail, free of charge, with its network of physicians for informational or diagnostic consultation. This means that when an employee is ill with routine illnesses, instead of waiting to get an appointment with their doctor and then missing a day from work to go to the doctor’s office, they instead pick up the phone and visit directly with a doctor that can diagnosis their issue and if appropriate call in their prescription to the employees local pharmacy. Less lost time at work and no claims against your plan for these visits are the results of this unique benefit.
The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 85% on most prescriptions at over 60,000 national and regional pharmacy chains. While you may already offer a pharmacy card through your current plan, this addition gives the employee a valuable choice when paying for their needed prescriptions.
Due to higher deductibles, employees often face the painful reality of having to pay the high price of pharmaceuticals out of pocket until their deductibles are met. Our Discount Retail Pharmacy Card allows the employee to get the same basic costs for their prescriptions as an insurance company pays, which can dramatically reduce their out of pocket costs. When an employee chooses this option, it also means that they are not filing a claim against your plan.
It's simple to use. The member simply presents the membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the discounted price. No other forms required.
Our vision care provider has contracted with over 12,000 eyecare locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures.
The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, EyeMasters and QualSight LASIK.
Vision Benefit is not available to VT residents.
Savings of 10% to 30% on eye exams and surgical procedures, including LASIK where available. Through QualSight LASIK, you may save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).
Our discount network provider has contracted with ophthalmologists (M.D.s) in selected markets across the country to provide you with discounts on eyeglasses, contact lenses, eye exams, and surgical procedures (including PRK and LASIK surgery) where available. If there is not an ophthalmologist in your employee’s area, they may give the doctor's name, address, and phone number to a plan representative and their doctor will be invited to join the program.
In keeping with our tradition of utilizing both chain and independent providers, we contract with national chains of laser surgery centers to provide discounts on refractive laser surgery. In addition, we contract with independent ophthalmologists who also provide discounts on refractive surgery.
Members receive discounts of 10% to 60%* off usual charges for MRI and CT procedures while utilizing credentialed radiology providers. These radiologists deliver tests and test interpretations which lead to appropriate diagnosis and effective treatment.
Members also receive discounts off usual charges for blood tests and all other lab testing. The network provides affordable laboratory testing, which leads to appropriate diagnosis and effective treatment.
Savings may vary based on geographic location, provider selected and procedure performed.
