Paramedical benefits include acupuncture, massage therapy, physiotherapy, chiropractic therapy, osteopath, naturopathic therapy, podiatrist/chiropodist, psychologist/social worker, and sometimes dietitian services.
While these services are highly in demand by employees, they can be costly to employers if the benefits are not managed carefully. These benefits can sometimes be very medically necessary, but other times, they can be more of a ‘want-to-have’ benefit, as compared to a ‘need-to-have’ benefit. Without proper plan management, paramedical costs can increase year-over-year significantly, causing premiums to rise.
Beneplan has a few ways of looking at paramedical benefits:
- If your company philosophically is in favour of providing these benefits, and can stomach the potential cost escalations, then make it easy for employees to make claims by providing a pay-direct card and.
- If your company does not philosophically believe that items like massage should be claimed unless medically necessary, or, you want to reduce your costs without cutting benefits, Beneplan has a proprietary solution in the medical pre-approval model.
At the employer’s discretion, Beneplan has the ability to adjudicate paramedical claims on a medical pre-approval basis, in order to reduce costs without cutting benefit maximums.
This involves an extra step, in the member needing to obtain a doctor’s diagnosis, as well as a treatment plan from their paramedical practitioner, before being reimbursed for the treatment.
This solution has been highly effective at reducing costs at the premium level, without reducing benefits.
Request a quote: Call 1-800-387-1670 to speak to a Benefits Consultant.