The Proactive Health Management Plan (PHMP) integrates a limited benefit health insurance plan with preventive care services, providing employees with indemnity payments to support health-related expenses. It offers various services including health coaching, telemedicine, and screenings, aimed at improving employee health and productivity, which in turn can reduce overall medical costs for employers. By participating in the PHMP, employers may achieve significant tax savings and enhance their benefits offerings at little to no cost.

1. PROGRAM OVERVIEW

2. he Proactive Health Management Plan is unique in that it uses a limited
benefit health insurance plan to provide preventive care to create healthy living
habits. Healthy living is just one of the rewards of the Proactive Health Management
Plan. The Proactive Health Management Plan provides a fully insured indemnity payment
directly to participating employees. These payments can be used to offset expenses—or
however they want. Of course, these benefits can be paid to other entities if employees
provide the direction to do so such as additional healthcare and supplemental coverage.
riven by participation in healthy living activities, directed by a Health Risk
Assessment and consultation, the PHMP is designed to integrate and complement
your medical plans to promote healthier, more productive employees. Healthier
employees often results in lower medical plan costs and improved productivity over time.
orporate benefits have changed! The PHMP is here to enhance your
business and your employees’ healthcare into one of the most beneficial and
comprehensive corporate health and lifestyle management programs available today.
T
D
C
Good health is good business

3. THE FIRST STEP:
PROACTIVE HEALTH MANAGEMENT
Proactive Health
Management Plan
t
h
e
The Proactive Health Management Plan
includes a limited benefit health insurance
plan which provides fully insured indemnity
benefits to covered members of the plan.
The plan provides health and lifestyle
coaches specializing in fields ranging from
personal training to life coaching. Each
certified coach combines educational
material, telemedicine access and much
more to provide a comprehensive Proactive
Health Management Plan. The PHMP
initiates and reinforces quality behavioral
changes. Better choices and behavioral
changes may result in lasting health and
greater productivity in the workplace. The
Proactive Health Management Plan works.

4. Proactive Health
Management Plan
the
WELLNESS INDEMNITY BENEFITS
HOSPITAL DAILY INDEMNITY
HEALTH SCREENING INDEMNITY BENEFITS
DIETARY
ASSISTANCE
HEALTH RISK
ASSESSMENT
DNA
SCREENING
TELEMEDICINE
BIOMETRIC
SCREENING
ONLINE HEALTH
COACHES
PHMP-certified nutritionists are experts in food and
nutrition, providing individualized dietary plans to
promote healthier lifestyles or achieve specific health-
related goals.
The PHMP contains a Health Risk Assessment (HRA) to
determine which aspects of an employee’s well-being
require attention. PHMP uses the collected data to
customize a program to each individual’s needs.
Talk to a doctor anytime, anywhere. Our network
of licensed doctors are standing by 24/7 to help.
They can diagnose, treat and often prescribe for an
array of medical issues right over the phone—even
from the comfort of your couch!
Biometric Screening identifies risk factors for illnesses,
such as diabetes and cardiovascular disease, up to ten
years before full onset. PHMP wellness coaches
analyze screening data to provide adaptive strategies
and monitor solutions.
DNA screening provides information pertaining to diet,
nutrition and exercise. Data generated from testing
genetic markers in a number of genes can be used to
understand how to modify lifestyle and behaviors for
optimum wellness.
PHMP-certified trainers and health coaches
understand the importance of an initial client
screening and assessment. Uniquely tailored training
and prevention programs are built to address the
health needs and goals of each employee. These
coaches provide prevention plans, encouragement
and follow-up to monitor progress and adjust
programs.A daily indemnity hospital confinement benefit is payable
based on employer’s selection.
The Proactive Health Management Plan provides many additional indemnity benefits to assess your
current health, including:
• Bone Marrow Testing
• Stress Test (Bicycle or Treadmill)
• CA 15-3 (Breast Cancer)
• CEA (Blood Test for Colon Cancer)
• Chest X-Ray
• PSA (Prostate Cancer)
• Serum Protein Electrophoresis
(Myeloma)
• Breast Ultrasound
• Thermography (Infrared Photo)

5. SAVINGS TODAY.
A LIFETIME OF HEALTH.
The PHMP’s limited benefit health insurance plan allows for
a complete solution that provides FICA savings today and, by
providing proactive health measures, can reverse declining
employee health, which may reduce medical spending and
allow employers to enhance benefit offerings at a
surprisingly affordable cost to employees and employers —
virtually zero. These long-term impacts can allow self-
insured groups to see a reduction in claims utilization and
premium increases over time.
TODAY
TOMORROW
LOOKING TO THE FUTURE
EMPLOYER SAVINGS
Employers may realize an annual average savings of
between $330 and $450 per employee* participating
in the PHMP through reduction in payroll tax liability.
ATTRACT BETTER CANDIDATES, RETAIN
CURRENT TALENT
Whether you are looking to attract better
candidates with a robust selection of health care
options or retain current talent, a more
comprehensive benefit package sets you apart
from other employers.
INCREASED BENEFITS AT SURPRISINGLY
AFFORDABLE COST
PHMP increases your
current benefit offering.
Better benefits and
better health may
add up to better
business.
FEWER HIGH-COST MEDICAL VISITS
Our telemedicine program provides a nurse hotline
and physician consultation that can decrease
physician visits, urgent care visits and trips to the
emergency room—all of which may reduce medical
costs.
INCREASE YOUR BENEFIT OFFERING
The additional services provided by the PHMP may
enhance your current employee benefit offering.
REDUCE POTENTIAL EXPENSES
Based on data compiled by our Health Risk
Assessment and health coaches, Proactive Risk
Solutions’ PHMP health consultants can identify and
safeguard your high-risk employees.
REDUCED CLAIM UTILIZATION
As your employees see improvements in their health
and lifestyles, you may see a reduction in employee
filed claims, stabilizing the benefits and costs of your
core medical plan offerings.
PREDICTING YOUR RISKS
Proactive Risk Solutions’ PHMP can help you
prepare for the future by analyzing current and
potential health risks afflicting your staff.
CUSTOMIZE FUTURE MEDICAL PLANS
By leveraging data collected through employee
interactions, Proactive Risk Solutions can customize
future medical coverages to maximize coverage and
minimize expenses.
By participating in the
PHMP on a monthly basis,
many employees realize
increases in spendable income
of $60 to $130 per month added
to their paycheck!
* Actual employer savings may vary due to enrollment requirements and associated fees

6. No matter what time of year an employer’s healthcare plan renews or an employer chooses to offer
benefits to their employees (especially, if this is their first time), the Proactive Health Management Plan
can provide significant savings to the company and to the employee. The PHMP can be enrolled simply
and easily ANYTIME of the year!
For employers with 15 or more full-time employees, especially self-funded groups, we recommend 2
important steps:
1. Contact Proactive Risk Solutions to schedule a demo of the PHMP. We are happy to show
you exactly why the PHMP is attracting a lot of attention, but most important, address any and all
questions and concerns you may have. We promise this will be time well spent no matter if your
enrollment or current plan renews in the Fall, Winter, Spring or Summer. Tax benefits to your
company and the financial rewards to your employees can start immediately!
2. Submit a census so we can create a proposal for you. Real numbers that pertain directly to
your company allows you to see exactly how the PHMP can and will benefit your unique situation. We
are fully transparent and want employers to fully understand how the PHMP will help improve their
bottom line, improve their employees’ health, and create improved loyalty… all with no net cost to
either employer or employee!
Please contact us TODAY
Ask for Sheldon or Steve
888.932.3522
info@diakonosbenefits.com

7. Proactive Risk Solutions has partnered with a nationwide biometrics screening company to offer screenings for all participants in
the PHMP. Offerings may vary from state-to-state. See fulfillment packet for details.
POLICY BENEFITS, FEATURES AND RATES MAY VARY BY STATE. Plan offerings are subject to state limitation. Not all benefits are
available in all states. Please consult your PRS representative with questions regarding plan offerings.
POLICIES UNDERWRITTEN BY COMPANION LIFE INSURANCE COMPANY under policy form LBHP 3050.
Companion Life Insurance Company is the insurance company underwriting the limited benefit health insurance included in the
PHMP. The company is located in Columbia, SC, and has been rated A+ (Superior), an independent opinion from the leading
provider of insurer ratings of a company’s financial strength and ability to meet its obligations to policyholders, based
on an analysis of the financial position and operating performance as of December 21, 2016, by A.M. Best Company, an
independent analyst in the insurance industry. For the latest rating, access www.ambest.com
This document represents a summary of products and services offered under the above mentioned insurance policy. Particulars of
this plan may differ depending upon group size, plan category and other underwriting considerations which are subject to state
insurance laws and the benefits and provisions as described may vary due to said statutes. All products described, herein are
subject to the terms, conditions, exceptions and limitations of the specific policy. Please see the specific policy and certificate for
details. Policies may not be available
in all states.
Benefits provided under this plan are a supplement, and not a substitute for medical coverage. This plan, or its benefits, do not
meet minimum essential coverage standards as outlined in the Affordable Care Act.
Proactive Risk Solutions is a partner provider of preventative care for the PHMP.
Key Benefit Administrators, Inc. (KBA) is the company providing the total administration for the PHMP. KBA is one of the largest
third party administrators (TPA) in the United States and is licensed in every state as required by certain states.
AHDI: The American Health Data Institute (AHDI) assists employers in managing the cost and risk of their health plan in a way that
optimizes benefits to the members. AHDI is the largest and oldest population health database in the country, warehousing
healthcare information collected from over 1.5 million lives in 48 states. Our data analytic tools are time and results tested and
the data demonstrates that AHDI interventions improve the health of the population and reduce costs.
Proactive Risk Solutions • 2425 Commerce Ave, Suite 300, Duluth, Georgia 30096 • 888-932-3522