Wellness Programs

Reduction, because it lowers the frequency and severity of future health losses — Loss reduction (also called loss prevention and control) seeks to lower the frequency or severity of losses. Smoking cessation reduces the likelihood of smoking-related disease, and routine physicals catch conditions earlier so they are less severe and costly. Such wellness programs are a direct application of reduction. The technique does not eliminate risk entirely, but it measurably improves the group's loss experience, which can moderate premiums.

National insurance concept

It must cover all services covered by Original Medicare, and it may offer additional benefits — Every Medicare Advantage (Part C) plan must provide at least the same coverage as Original Medicare — all Medicare-covered services — and it may offer additional benefits such as dental, vision, hearing, or wellness programs. The 'at least as good' floor is the statutory baseline for Part C plans. Medicare Advantage plans may impose their own cost-sharing structures, so they are not required to cover everything at 100%, but they may never drop below the Original Medicare benefit level. In addition to the benefit floor, MA plans must follow Medicare's coverage rules for services such as preventive care, and they must notify beneficiaries of any benefit changes each year.

National insurance concept