The Wise Well-Being Blog by Sophus Health

The Wise Well-Being Blog by Sophus Health offers health-related insights for thoughtful leaders and caring employers. We invite you to read on and join the conversation!

What Happens When Self-Funding Goes Well?

What Happens When Self-Funding Goes Well?

Engaged, health-conscious community contributes to success How the Ashland School District Saved $9.8 Million Photo Credit: One the Magazine What Happens When Self-Funding Goes Well?   We work with many different types of employers, and we are especially proud of the work we have done with the Ashland School District in Oregon. Since working with us in 2010, they have saved more than $9.8 Million in health insurance premiums without reducing benefits or raising deductibles for their 400+ employees. In this day and age where most employers are experiencing substantial rate increases, this story of success is unprecedented. The funds saved have been reallocated within the school district to improve the student-to-teacher ratio, enhance employee salaries, and deploy new programs. The Ashland community is well known for its arts, culture and progressive thinking, and this seems to go hand-in-hand with with their attitude for healthy living. This made our job of designing and implementing a customized health program easy. What made this program so successful is the leadership within the school district and the willingness of the employee health team to engage in developing – and ultimately running with – the program we designed. The staff fully embraced the learning environment we created, and we are thrilled and honored to continue to offer this service to help the Ashland School District save funds that can be used elsewhere. For more details on this story, check out the press release on our website. Search for: Posts from Sophus Health What Happens When Self-Funding Goes Well? Employers that Dare to Care, Create Health and Wealth The Financial Aspect of Health The... read more
Employers that Dare to Care, Create Health and Wealth

Employers that Dare to Care, Create Health and Wealth

Employers that dare to truly care Search for: Posts from Sophus Health What Happens When Self-Funding Goes Well? Employers that Dare to Care, Create Health and Wealth The Financial Aspect of Health The Physical Aspect of Health Partially Self-Funded Insurance Simplified Categories Press Releases Wise Well-Being Health Insurance Healthcare Costs Physical Health Sophus Thoughts Wellness Programs Workplace Wellness More about Sophus HealthWhat Makes us Different Sophus Learning Culture Sophus Health Programs Health Consulting Services Five Aspects of Health Get Started Today Health and wellness are intrinsic states of being, coming from a place within ourselves where we organically have a sense of calm, contentment and clarity. This arises when we have – or are working toward – a knowing and feeling of purpose and meaning as the driving force of vitality in our lives. Yet in today’s fast-paced world of information overload where time and money are in ever-shrinking supply, friends and family get placed on the back burner, rest and relaxation are luxuries and completing the never-ending to-do list is a mere pipe dream, living with purpose can be a challenge. When we feel disconnected from our life’s purpose, stress and disease are more likely to occur. Thus wellness is integral to how we live and work. Being with a sense of purpose and meaning can be enhanced when one has a group surrounding us that offers care and support for one’s continued success. This group can exist at home, in places of worship, among friends and in the workplace. Given that most people spend their days at work where they receive and negotiate health benefits, the workplace represents extraordinary possibilities... read more
The Financial Aspect of Health

The Financial Aspect of Health

Our finances can impact our health.   Typically when we think of our health, our finances – are not the first thing that comes to mind. However, we believe one’s financial health is connected to a person’s whole well-being. Sophus Health creates its employee health programs around education in the 5 Aspects of Health – Physical, Financial, Spiritual, Relational and Self Health. Today we are going to look more closely at the aspect of Financial Health and its impact on our well-being. We come into our adult relationship to money with ideas collected from the people with whom we grew up, our early experiences and the media’s interpretation of what money will do for us. Early successes or challenges with managing our finances also shape our idea of the meaning of money in our lives.  When our Financial Health is good we are apt to feel good about our self (another aspect of health) and likely, when our Financial Health is poor, a person is more likely to feel poorly about their self, which can lead to poor relational and/or physical health. The 5 Aspects of Health are all connected to and related to each other. We can change our conditioning and create a future that does not mirror our past. When we understand the more complex role of money in our lives, then we can begin to exert control over it. When we help people understand what they truly want – they are then empowered to use money as a tool for bringing about and maintaining financial health. Education is a key element of empowerment. Sophus Health has... read more
The Physical Aspect of Health

The Physical Aspect of Health

Physical Health is more than the absence of illness. The physical body alone is just one part of the integral whole of complete well-being. Our physical bodies are a part of a community of the self – a dynamic convergence of body, mind, spirit and environment. There are changing worldviews on how to treat the body for physical ailments. The Eastern approach to health has viewed the body as completely entwined with the mind and the spirit – while Western medicine separates spirit from matter. Today, many thought leaders in medicine are combine the two views, taking pieces from each to create optimal physical health for individuals. When it comes to health, there are unexplained phenomena in what the body is capable of healing. Time and time again we see that when people have something or someone to care for – even if it is a pet or a plant – this ‘responsibility’ to the other can improve a person’s physical health. Physical Health can improve simply though the act of rising outside of one’s pain to experience a world and a community that benefits from their engagement in it. Although physical health is a vitally important aspect, “whole person health” is not just the absence of physical pain or conditions. Furthermore, physical conditions are frequently exasperated or even manifested by stress or imbalances within other aspects of life. This is why we created a health model that supports people in the 5 Aspects of Health that also includes Financial, Spiritual, Relational and Self Health. RSS facebook Twitter Google+ LinkedIn... read more
Partially Self-Funded Insurance Simplified

Partially Self-Funded Insurance Simplified

Own your health plan.   What does Partially Self-Funded Health Insurance mean? When an employer chooses a self-funded group health insurance plan (aka a ‘self-insured’ plan or partially self-funded health insurance) the employer assumes part of the financial risk for providing health care benefits to its employees, while stop-loss insurance covers the remaining financial risk beyond the employer’s tolerance level. In simplistic terms, self-funded employers pay for each out of pocket claim as they are incurred instead of paying a fixed premium to an insurance provider. What most people are used to is the fully-insured platform where a set monthly premium is paid regardless of usage. Typically, a self-funded employer has a special trust account set aside money to pay incurred claims. Funds to this account come from both the company and employee contributions.   What are the attractive features of a Self-Funded Health Plan? Flexibility: The employer can customize their health plan to meet the specific healthcare needs of its employees, as opposed to purchasing an insurance policy that is generically designed. Freedom: The employer is free to contract with any provider and/or network that is best suited to meet the healthcare needs of its employees. Control: More dollars in the bank instead of in the insurance companies’ pockets. The employer manages its health plan reserves account – allowing them to earn interest income – dollars that would be otherwise be used by an insurance carrier through the company’s paid premium dollars. Improved cash flow: Since the employer no longer pre-pays for its health coverage, that money is generally available for company use.  Federal Rights: Self-funded health plans... read more
Why are healthcare costs SO HIGH?

Why are healthcare costs SO HIGH?

Why is U.S. healthcare so costly? If you’ve just landed here it is because you too are wondering WHY healthcare costs in the U.S. are so expensive and keep rising. You are here because you want to know exactly what factors are driving these costs. We think John from vlogbrothers on youtube does a nice job explaining why health care costs are so high while using light humor in this video.   Our goal as a company is to use as many resources as we have up our sleeves to save companies and members money on health care costs from as many angles as possible. If your company has not yet considered partially self-funding your health benefits, perhaps now is the time.  Read more about self-funded health insurance here! RSS facebook Twitter Google+ LinkedIn... read more
Sophus – Healthcare is Different Here

Sophus – Healthcare is Different Here

Oregon - things look different here. Oregon used to have a tagline that no one really understood. “Things look different here.” It’s true. But kind of hard to wrap your mind around. I’m starting to understand where they were coming from. How do you describe something that’s so different from everything else? That’s where we are with Sophus Health. Here’s what I really want you to know: I created Sophus Health to bring true, authentic relationships to health and well-being. As in any nurturing relationship, this includes caring, sharing, love and truth. We create heart-based healthcare programs. Ones that brings high touch, not just high tech. This is our bottom line. After meeting one of our valued clients for the first time and talking with their director heart-to-heart for 20 minutes, he looked in my eyes and said “Are you real?” I assured him I was and that what I told him about Sophus Health was all true. He smiled and gave me a hug. We’re real. We’re creating real relationships and providing the kind of healthcare you’ve been seeking. I welcome the opportunity to have this conversation with you. Best — Arnie     facebook Twitter Google+ LinkedIn Pinterest... read more

A Healthcare Poem

How do you have a system of health
when touch and care
are replaced with categories
of things named and unnamed
to separate and create fear.

How do we heal
when love is not covered
and no test can touch
and if it did, the surprise would be
too great to bear.

We are crying in silence or aloud
‘Hold me, comfort me
so I can do for you.’

Don’t be detached and don’t observe.
You are in my life, we are each other
and healing is love.

Just listen, just care.
For we are here
to guide our way home.

~ Arnie Freiman