As employers, we understand the importance of providing health insurance to our valued workforce. Despite the rising costs in the healthcare and insurance marketplaces, GSRMA is committed to offering comprehensive coverage that not only helps our members retain top talent in a fiercely competitive market but also ensures the well-being of their employees and their families, both physically and financially.
For members of GSRMA, there’s an exclusive opportunity to access PRISM’s small group plans. These plans not only compete with industry giant CalPERS but also offer unique features typically associated with large-group insurance products. Imagine area-rated versus age-based premiums and the ability to extend coverage to retirees. It’s an extraordinary chance to level the playing field and provide comprehensive benefits that rival those of larger organizations.
And what many districts may not realize is that their health insurance plans can provide far more than just payment for medical bills. There’s a treasure trove of additional benefits waiting to be discovered. These hidden gems include ancillary coverage, Employee Assistance Programs (EAPs), wellness programs, digital healthcare solutions, prescription assistance, and even reduced or waived deductibles for specific surgical procedures.
Keep reading as we uncover the eight hidden benefits hiding in your employee benefits package with PRISM. Discover how they can transform your organization, improve employee satisfaction, and contribute to the overall well-being of your workforce.
Employee Assistance Programs (EAP): Take advantage of EAP services like Concern, which provide comprehensive support for your employees’ well-being. EAPs offer customized self-help resources, life balance guidance, and counseling options, from mental and emotional support to financial and social assistance.
Telehealth: Telehealth has been around for many years but exploded onto the national scene in 2020. Embrace the convenience and accessibility of telehealth options offered by most carriers in the PRISM program. Telehealth services allow employees to access medical consultations and advice remotely, reducing the need for in-person visits and increasing usage.
Surgical Benefits: Carrum Surgical Benefit provides invaluable assistance in managing the surgical process, resulting in better outcomes and cost savings for employers and employees. With Carrum, you can support your staff through surgical procedures while minimizing the financial burden.
Ancillary Coverage: Expand your coverage beyond health insurance by providing dental, vision, and life/long-term disability coverage. These options are available at affordable and stable rates, ensuring your employees have comprehensive protection.
Prescription Service: Help your employees reduce out-of-pocket prescription costs by offering a service like Good RX. Good RX provides discounts and savings on medications up to 80%, ensuring your staff can access the medications they need without breaking the bank. And with over 70,000 pharmacies nationwide, you can use it almost anywhere!
Chronic Pain Management: In 2021, the Centers for Disease Control (CDC) estimated that 20.9% of U.S. adults (51.6 million persons) experienced chronic pain. Hinge Health offers exercise programs and a dedicated care team for employees dealing with joint or muscle pain. By supporting employees in managing chronic pain, you can improve their well-being and productivity.
Weight Control: Combat obesity and promote healthy lifestyles with Lark’s customized weight loss and prediabetes programs. These programs are designed to reduce the risk of type 2 diabetes and support employees in achieving their weight loss goals. The Lark digital coach is available 24/7 to help you eat better, move more, and stress less to accomplish your health goals.
Diabetes Management: Livongo simplifies diabetes management for your employees at no additional cost. With products like strips, smart meters, personalized tips, and expert coaching, Livongo empowers individuals with diabetes to take control of their health.
Maximizing the potential of your health insurance plan goes beyond just providing coverage—it’s about unlocking a world of comprehensive employee benefits that can transform your organization.
If you’re already a member of GSRMA and you’re not utilizing your plan to the fullest, contact our friendly  Member Services team, and they can help you unlock your plan’s full potential.
For those who are not yet members of GSRMA, open enrollment is just around the corner. It’s the perfect opportunity for your district to join a risk pool and start helping your team get the coverage and benefits they deserve. Reach out to our dedicated Employee Benefits Specialist today to begin the process of becoming a member and discover the comprehensive coverage and services that await you.
Invest in the well-being of your employees and create a thriving district. Contact GSRMA’s Employee Benefits Specialist or initiate the membership process today. Together, we can build a healthier, happier, and more resilient future.
Source: Centers for Disease Control and Prevention. “QuickStats: Prevalence of Chronic Pain and High-Impact Chronic Pain Among Adults Aged ≥18 Years, by Selected Health Status Characteristics — National Health Interview Survey, United States, 2021.” MMWR Morb Mortal Wkly Rep. 2023;72(15):457.