Risk Management

The most effective way to control costs while providing the greatest benefit is to engage in effective risk management.  Palmetto Insurance Group can provide you the tools and resources need to accomplish this goal.

Tele medical benefits are a cost-effective alternative to urgent care and emergency room facilities. Almost three-fourths of the medical conditions that are most commonly diagnosed can be pinpointed night or day, 365 days a year, via phone or bi-directional video with the help of tele medical benefits. The licensed physicians that your employees can have access to can also prescribe medications that can be sent to a local pharmacy.

Prescription drug concierge programs shop for the lowest cash price for prescriptions, which is sometimes available directly through the manufacturers. With the help of prescription drug concierge programs, your employees can pay a low monthly cost for prescriptions instead of pricey copays. Since this removes the cost of employees' medications from their plan, the plan performs better and your business, as the employers, pays less.

Wellness programs provide employees with opportunities, from exercising and eating right to maintaining regular health and wellness exams, to earn points that can be exchanged for a deductible credit or other benefits.

Palmetto Insurance Group takes a holistic approach to managing your risk.  We will work as a business consultant directly with your human resources department, higher level managers and board members to insure that the proper risk management techniques and solutions are in place and followed.  Through proper planning and performance, we can help your organization hold down costs and increase value.

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