Employees often feel lost when navigating their benefits, leading to high costs, missed preventive care, and even regret over healthcare decisions.

Addressing these challenges effectively requires a comprehensive, two-pronged strategy: enhancing health literacy, expanding access to alternative networks.

Together, these efforts empower employees to make informed choices while optimizing costs for employers.

Health literacy

Health literacy is the foundation of effective benefits utilization. Studies show that many employees struggle with even the basics of their health plans, like understanding in-network providers, treatment costs, and terms like “deductibles” and “coinsurance.” This knowledge gap can prevent employees from taking full advantage of their benefits, sometimes leading to delayed care or overpaying for treatments. A proactive approach to benefits education emphasizes continuous, easy-to-understand guidance tailored to individual needs.

With practical support that extends beyond open enrollment, employees receive accessible insights throughout the year, equipping them to confidently navigate their healthcare options. By making health benefits transparent and understandable, organizations can help employees avoid costly mistakes, prioritize preventive care, and make decisions that align with their health and financial goals.

Alternative networks

In addition to health literacy, access to alternative networks is a powerful way to contain healthcare costs. Many employees worry about affordability, which can deter them from seeking essential services. Partnerships with alternative network providers, like Tendo, work to address these concerns by offering curated networks of top providers, all at more affordable rates.

Through alternative networks, employees gain access to high-quality, cost-effective services for everything from chiropractic care and massage therapy to prescriptions and more. This approach reduces financial barriers and broadens care options, making it easier for employees to find providers that fit their health needs and budgets. By offering alternatives to traditional networks, employees are empowered to receive essential care without the high costs typically associated with in-network limitations.

Our approach

Fijoya combines enhanced health literacy, alternative networks, and a shift to usage-based pricing models to create a well-rounded, cost-effective benefits solution. By empowering employees with clear, accessible information, expanding access to affordable care options through curated networks like Tendo, and aligning costs with actual usage, Fijoya enables smarter, more personalized benefits utilization. This comprehensive strategy supports healthier outcomes for employees and responsible, adaptable spending for employers, positioning Fijoya as a leading cost-containment solution for better, more innovatibe benefits.