Small Business Solutions from Fedhealth
Most medical aids simply aren’t interested in delivering a group offering that is specifically designed for small to medium enterprises. At Fedhealth, we think differently, because we understand that the future of our economy lies with entrepreneurs and their family of employees.
As a small business owner you know that every member of your staff plays a vital role in the success of your business. There aren’t always enough hands on deck to cover all the gaps left by an extended illness. You need your people at their posts, performing at full capacity, as often as possible.
Bottom-line: Healthy employees are more productive employees.
We have created a number of innovations to help you not only take care of your staff when they need it most, but also help them to prevent rather than cure – all this, with affordability in mind.
What Fedhealth can do
for your SMME’s health and wellness
Fedhealth provides targeted interventions to ensure effective healthcare,
which impacts employee quality of life and enhances their professional output.
Over and above a wide range of medical aid for small businesses that will suit the needs and pockets of all your employees, Fedhealth also offers the following added corporate initiatives:
Fedhealth Conservative Back and Neck Rehabilitation Programme
The intervention: Fedhealth has an established programme intervention for qualifying employees suffering from back and neck problems. It’s built on the principle of active muscle reconditioning, supported by scientific clinical studies showing that exercise reduces pain and can normalise function in many instances.
In the long-term, productivity and economic losses to employer groups who use Fedhealth as a provider will be reduced, as avoided surgery significantly reduces time off work. Certain corporates have commented that together with mental health, back and neck issues are a primary driver in terms of absenteeism in their workspace.
Employees may require up to 30 hours off work in order to attend the Fedhealth Conservative Back and Neck Rehabilitation Programme sessions, while sick leave associated with spinal surgery is estimated to be up to six weeks. Tangible benefits for the member include an increased quality of life, and the assurance that their employer, through Fedhealth, is providing them with the care that they specifically require.
In addition, Fedhealth is also willing to provide on-site workplace assessments (ergonomic, canteen, exercise facilities, etc.) to prevent the onset of back and neck pain. These include a review of existing corporate policy and strategy documents. This is to ensure alignment with current wellness, employee assistance programmes (EAP) and occupational wellness initiatives, and to provide recommendations that will ensure that back and neck issues, amongst others, are minimised. Close
Mental Health Programme
The intervention? Fedhealth’s Mental Health Programme uses innovative solutions for employee empowerment, and relies on social, family and workplace support.
- Greater reduction in mental health symptoms
- Greater rates of care for mental health
- Improvement in quality of life
- Less functional impairment
- Better patient satisfaction
- Better provider satisfaction
- Lower total health care costs in the medium and long term
- Significant benefits in terms of absenteeism reduction
The Fedhealth Mental Health Programme will integrate with workplace employee assistance programmes, and establish bi-directional referral process between them. Integrated reporting will help measure mental health impact and outcomes, particularly in terms of productivity, which is considered a sensitive measure for mental health interventions.
The intervention? Fedhealth supports cancer patients in their time of need, and diagnosed employees are registered on the Fedhealth Oncology programme.
The Scheme offers members the opportunity to upgrade to a higher option within 30 days of a life-changing event or diagnosis. This ensures that employees with cancer are able to get access to treatment and medication that will help them to remain economically active, with all the support they require to deal with this stressful diagnosis.
The Emotional Wellbeing Programme
The intervention? Through Fedhealth’s Emotional Wellbeing Programme, members and beneficiaries can get sound telephonic advice and support to help them deal with issues like stress at work, relationship issues, bullying at school and teenage troubles, to name a few. Following these telephonic sessions, we can also put the member in touch with a psychologist for one-on-one sessions at a reduced rate, should they need it. Plus, we’ll send the member useful communications about financial, legal and trauma advice.
This life coaching/lifestyle wellness service is run by a care centre and is available, night or day, via the telephone, email, SMS and a call-back facility.
In a nutshell: as a member of the Fedhealth family, members don’t have to suffer in silence any longer… they can just call 087 365 8664 to get it off their chests, and for some positive, constructive support to help them feel better and make healthy changes.
Aid for AIDS (HIV Management)
The intervention? Fedhealth offers the Aid for AIDS programme to help members who are HIV-positive to manage the condition.
The benefits of being on the programme (over and above the payment of the necessary medicine and pathology claims), include clinical and emotional support on how to manage the condition. Members are routinely called by counsellors to check how they are doing, and receive reminders when they are due for blood tests.
Fedhealth provides cover for an HIV test (which includes pre- and post-test counselling) on all its options, and we encourage employers to ensure that their staff is tested and know their status so that they can get the appropriate assistance early.
In addition to the improved quality of life, this means that employers’ healthcare costs are effectively managed as there will be few hospitalisations and other related costs as a result of opportunistic infections. Furthermore, having the disease managed also means the member can remain economically active, and thus able to provide for their family.
Fedhealth Baby/High-risk Maternity
The word ‘maternity’ does not create as much excitement for the employer as it does for the expectant mom or dad, particularly when the employee is experiencing a complicated or high-risk pregnancy.
With the rising trend in maternal employment, it has become increasingly important for employers to ensure that female employees have access to appropriate medical care. Having a baby can be both physically and emotionally stressful for mothers-to-be, and health concerns can have a significant impact on their focus at work. The Fedhealth Maternity benefit ensures that pregnant women receive the best care for themselves and their babies, alleviating a lot of the anxiety associated with pregnancy and resulting in a more content, productive employee.
The solution? Fedhealth provides access to the Fedhealth Baby programme, as well as a high-risk maternity programme. Fedhealth pro-actively identifies high-risk pregnancies through data analysis. Our professional nurses with midwifery experience will initiate telephonic contact with these employees and assist them through educational material and advice. This enables these mothers-to-be to remain active and involved, while ensuring that no risk or harm is placed on the mother or her baby.
Regular follow-up calls are made to see that the beneficiary is adhering to the appropriate management of her pregnancy, as well as any other factors impacting her health, to ensure that time off work is minimised. These follow-up calls enable the nurse to identify further educational requirements. High-risk maternity candidates are also provided with contact details for the midwives, and are encouraged to call whenever they need advice.
All expectant Fedhealth moms can look forward to:
- Baby bag with free baby products
- Interactive portal with the following sections:
- Fedhealth video – understanding pregnancy
- Who are the healthcare providers?
- 9-month development of fetus review and pictures
- Weekly emails to Mom
- Bi-weekly emails to Dad / Mom’s partner
- A-Z of pregnancy terminology
- Birthing options – myths debunked
- Birth and postpartum care
- Participation linked to rewards to online baby shop
- Mom and toddler
- 0 – 1 year
- Dealing with newborn
- Month-to-month development
- Development activities per age
- Toddler (13 months to 2 years)
- Month-to-month development
- Emotional development
- Immunisation Programme
- Why and why not?
- First Wellness Clinic free and free gift
- Wellbaby card to be completed and uploaded
- Online Baby Shop
- Fedhealth members get up to 50% discount
- Fun Quiz after each topic/stage must be completed
- Linked to “Reward” via online shop
- Discounted nappies and baby products made available through Baby Boom shops. 50% discount
- 0 – 1 year
Health Risk Assessments
The intervention? Through Fedhealth’s Health Risk Assessment benefit, the Scheme aims to identify members who are at risk of developing lifestyle diseases, and either help them prevent the onset through suitable lifestyle interventions, or help them manage their
disease through practical advice and steps.
The Health Risk Assessment benefit forms part of a brand new, bigger wellness offering planned by the Scheme, which will be available to all members of the Fedhealth family.
Health Risk Assessments comprise three steps:
1. A lifestyle questionnaire
2. Wellness screening
3. Physical screening
The way forward
Once all three steps have been completed, you will receive a report with feedback on the overall health and wellbeing of your employees.
Members may be identified as part of the High Risk or Emerging Risk groups, and flagged as being at risk of developing a chronic lifestyle disease. Should they agree to participate in disease management programmes as mentioned in this brochure, they may receive additional wellness intervention benefits. These interventions will be done by a BASA biokineticist, who will refer the member to dieticians, psychologists and family practitioners where applicable (with responsible promotion of Scheme benefits).
Packed with screenings for every life stage, Fedhealth’s Screening benefit was created to stretch members’ day-to-day benefit by paying more from Risk. Even on our hospital plans, Maxima Core, Maxima CoreGRID, Maxima EntryZone, and Saver options, Maxima Advanced, Maxima Basis, Maxima BasisGRID, Maxima Saver, Maxima SaverGRID, and Maxima EntrySaver, the Scheme pays for screenings for women’s, children’s, cardiac, as well as general health (like an annual flu vaccine). On most comprehensive options, the benefit even includes screening and preventative programmes for older members. Our Blue Door Plus option has a benefit for annual flu vaccinations, annual HIV test and health risk assessments which includes and preventative screenings. Close
Trauma / Casualty Benefit
The intervention? Fedhealth is one of the only schemes that pay for trauma procedures from the Major Medical Benefit.
Under this benefit, claims are paid from Risk if a member visits the trauma unit of a clinic or hospital for emergency treatment such as suturing, or with a life-threatening condition and is admitted immediately for further treatment.
Children’s health/family responsibility leave
The intervention? Fedhealth has created a vaccination schedule for your employees’ children to ensure that they are up to date with their vaccines. For beneficiaries up to
12 years of age, every aspect of child immunisation is paid from Risk with a comprehensive programme (as per state Expanded Programme for Immunisation (EPI)). This gives employees who are parents the financial security that their children’s health is well looked after, and helps them remain active in the workplace.
No pre-authorisation is required for these vaccines. The member can simply submit their claim, and all vaccines as per the state EPI will be reimbursed from Risk.
The intervention? Fedhealth has partnered with SOS Corporate Wellness (Sisters on Site) and is now offering a Nursing Sister on Site at the workplace. This new approach is tailor-made in conjunction with the employer’s influence to ensure that we identify and address the organisation’s specific areas of concern.
By helping employees change their behaviour patterns and choose more healthy lifestyles, we aim to reduce healthcare expenditure (particularly on day-to-day utilisation), reduce absenteeism, reduce turnover rates, reduce worker’s compensation claims and limit tardiness.
The Sisters-on-Site initiative provides both an extensive screening process, plus a suggested course of treatment where necessary. In short, this programme is the first step to identify any health risk for your employees and then being there for them every step of the way in either maintaining their good health or managing potential risks.
The Sister on Site also treats simple acute medical problems, or “low acuity” conditions, since employees often don’t have the time to see their primary care doctor, go to the emergency room, or stay home.
The following aliments are covered:
- Skin conditions such as mild acne and mild eczema
- Coughs and colds, including nasal congestion and sore throat
- Minor cuts and bruises
- Constipation and haemorrhoids (piles)
- Hay fever and allergies
- Aches and pains, such as headaches, earache and back pain
- Indigestion, diarrhoea and threadworms
- Period pain and thrush
- Mouth ulcers and cold sores
- Athlete’s foot
SOS Call Me
The challenge? In times of emergency, it’s only human to panic and not think straight, which could make it difficult for members to get in touch with the Europ Assistance Contact Centre when they need it. A lack of airtime could also hinder members to contact the Scheme when they need us most.
The intervention? To resolve this, Europ Assistance has implemented the SOS Call Me service – a user-friendly call back service that means we will call members back when they need us at no cost to them. All Fedhealth members and their dependants can use this free service.
Members can select three numbers on this service, namely: 1) Emergency Medical Services (EMS), 2) Nurse Line and 3) MediTaxi.
- To access SOS Call Me, members simply have to save the number *130*3272*31# for EMS, Nurse Line and MediTaxi as a contact on their phones (under Europ Assistance or a name they will remember for emergencies);
- In an emergency, the member must choose this number and select the service (EMS, Nurse Line or MediTaxi). An SMS will be sent to the Europ Assistance Emergency Contact Centre who’ll phone the member back within the agreed emergency timelines for each service: EMS – 120 seconds; Nurse Line – 2 hours; and MediTaxi – 2 hours before pick-up.
The intervention? The MyHealth Portal on the Member Zone of the Fedhealth website is an online educational web and mobile health portal. The portal includes e-tutorials and educational articles, tools and quizzes. We strongly encourage corporates to lift Internet restrictions to allow access to the Scheme’s website, so employees can engage and take an interest in their health. Visit fedhealth.co.za and log in to the Scheme’s website to access the MyHealth Portal.
Chronic Medicine Management
The intervention? Fedhealth’s chronic medicine management application process is as easy as picking up the phone and chatting to one of our consultants. As a corporate value-add, we can provide a delivery service for all your employees’ chronic medicine to the workplace. Registration with Pharmacy Direct for delivery can be easily arranged, either at a corporate level, or individually.
Contact us: Pharmacy Direct on 0860 027 800 or email firstname.lastname@example.org
Members can obtain their medicine from any pharmacy, but using Clicks Pharmacies, Dis-Chem or MediRite means no co-payment on the dispensing fees. Close
Hospital Benefit Management
The intervention? Fedhealth’s Hospital Benefit Management Programme assists members in obtaining authorisation before being admitted to hospital, or undergoing any other examinations specified by the Scheme for pre-authorisation.
Our doctors and registered nurses have been chosen to ensure maximum healthcare from available resources by assisting you in making informed decisions, offering useful advice, and liaising with you and your healthcare providers. By rendering this specialised service, we are able to ensure that members and their beneficiaries are admitted to the appropriate facility at the correct fee. Close
Corporate Wellness Days
The intervention? Corporate wellness days provide the opportunity to create awareness, education, prevention, screening and targeted interventions that support positive lifestyle changes. These days are usually well-received, as it is convenient for employees to have such services at their place of work. In addition to the clinical value that can be derived from wellness days, these days provide Fedhealth with an opportunity to market the Scheme to clients and potential clients.
Fedhealth Wellness Days can be structured to suit the needs of small, medium and large companies. The Scheme is continuously evaluating its offering to ensure optimal value to all our corporate clients.
Wellness days may include the following services:
- Screening tests which could include lifestyle screening, wellness screening (includes finger prick glucose and total cholesterol, blood pressure, waist circumference and body mass index (BMI) and physical screening (if applicable).
- We could also arrange to have additional services present i.e. Tuberculosis and HIV testing, optometry screening and on-site dietician consultations. Massages, health smoothies and Zumba or short exercise sessions have at times been offered in order to incentivise employee attendance.
- Health coaches from the Beneficiary Risk Management programme, as well as representatives from an activity tracker company like Garmin, can also be made available.
- If an employee is identified as being at risk, based on the results of one or more of the screening tests, the employee is given an information leaflet relevant to their condition.
Following the wellness day, a wellness report is compiled by the service provider and sent to the Human Resources department of the company.
The intervention? Fedhealth’s MediTaxi service offers Fedhealth members and beneficiaries in Pretoria, Johannesburg, Durban and Cape Town who’ve received hospital authorisation, two round-trips per annum to the relevant healthcare providers for follow-up treatments. This service is free, but the distance between the drop-off and collection points shouldn’t be more than 50km.
To access the MediTaxi benefit:
- Members need to save the number *130*3272*31# for Emergency Medical Service (EMS), Nurse Line and MediTaxi as a contact on their phones (under Europ Assistance or a name they’ll remember for emergencies);
- When they need to book MediTaxi, members need to choose this number and select the service (EMS, Nurse Line or MediTaxi). An SMS will be sent to the Europ Assistance Emergency Contact Centre who’ll phone them back within the agreed emergency timelines for each service: EMS – 120 seconds; Nurse Line – 2 hours; and MediTaxi – 2 hours before pick-up.
Chronic Disease Self-management Programme (CDSMP)
The intervention? The Chronic Disease Self-Management Programme (CDSMP), facilitated by Fedhealth, is an ideal participatory programme to promote peer to peer mentoring and improve individuals’ self-efficacy – a key ingredient considered for successful behaviour change.
Developed by researchers at the Stanford School of Medicine at Stanford University, the programme has been shown to have a cost to savings ratio of 1:4. It follows a standardised format that is proven to help people learn to better manage the symptoms of chronic conditions. It is considered a best practice in chronic disease self-management and is offered in over 25 countries around the world. Close
Weight Management Programme
The intervention? New for 2018! These alarming statistics have led Fedhealth to introduce our new Weight Management Programme in 2018 – a programme expertly designed for qualifying Fedhealth members with a high BMI and waist circumference. Under this programme, employees will participate in a 12-week, biokineticist-led intervention plan that will give them access to a dietician and behavioural psychologist with the goal to lose the excess weight and lead healthier, more rewarding lives. Once the programme is completed, ongoing advice and monitoring will be made available to these employees.
GoSmokeFree Smoking Cessation Programme
The intervention? New for 2018! Fedhealth is encouraging members who smoke on all options to sign up for the GoSmokeFree service that’s available at 200 pharmacies countrywide, including Dis-Chem, Clicks, Pick n Pay and independent pharmacies. All smokers have access once per beneficiary per annum to have the GoSmokeFree consultation paid from Risk. The service comprises a pre-quit assessment and support sessions, and features an individual plan to help the employee to quit smoking. Where employees need nicotine-replacement therapies as part of their plan, the Scheme will allow them to claim certain products from their MSA. The GoSmokeFree service forms part of the Foundation benefit Close
Our family is standing by to take care of yours
Options starting from only R844 per month
for previously uncovered, low-income employees and
hospital plans starting from only R1424 per month.
Charlie Matroshe is standing by to assist your SMME to join the Fedhealth family.
For more information about the options we can offer your employees, or any of the initiatives above, please contact her on 011 758 8680 or alternatively send her an email by clicking the button below:
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