Abstract: In an effort to reduce employer health insurance related costs, at least one benefit under a health benefit plan is conditional on the employee voluntarily participating in a wellness program. The wellness program could include wellness categories such as a tobacco free category, normal blood pressure category, regular exercise category, a non-overweight category, a healthy cholesterol level category, a healthy blood glucose level category, and possibly even a category for participation in a health risk assessment. The invention may be implemented by an employer adopting a health plan with a higher deductible over a previous year, and providing credits against that deductible for employees who satisfy requirements regarding each of a variety of wellness categories. This should enable the employer to realize an immediate savings in the year that the invention is implemented, and future savings in years thereafter from healthier employees having lesser numbers of claims and smaller dollar claims.

Abstract: In an effort to reduce employer health insurance related costs, a state-governed fully-insured supplemental health insurance policy is provided for a group of employees. At least one benefit under the supplemental health insurance policy is conditional on the employee voluntarily participating in a wellness program. The wellness program could include wellness categories such as a tobacco free category, normal blood pressure category, regular exercise category and even a non-overweight category. In addition, the wellness program could condition coverage, or subsidize deductibles for, certain illnesses on employee submission to screening tests on a prescribed basis for the identified illness, such as cancer screening for early detection of cancer. Partial premium payments on behalf of the employee for a core health insurance policy could also be a reward for participation in a wellness program.

Abstract: In an effort to reduce employer health insurance related costs, a state-governed fully-insured health insurance policy is provided for a group of employees. At least one benefit under the health insurance policy is conditional on the employee voluntarily participating in a wellness program. The wellness program could include wellness categories such as a tobacco free category, normal blood pressure category, regular exercise category and even a non-overweight category. In addition, the wellness program could condition coverage, or subsidize deductibles for, certain illnesses on employee submission to screening tests on a prescribed basis for the identified illness, such as cancer screening for early detection of cancer. The voluntary wellness program can also include a variety of other aspects including wellness education, disease inoculation, and injury prevention. The invention provides an incentive for employees to make healthier lifestyle choices.

Abstract: A gang mower for garden tractors includes a frame, a hitch and either three, five or seven reel-type mower units attached to the frame. The frame is attached below the forward wheel axis of each mower unit. In action, the frame leverages the forward drive wheels downward to turn the mower blades when the frame is pulled forward by a garden tractor.

Abstract: A gang mower for garden tractors includes a frame, a hitch and either three, five or seven reel-type mower units attached to the frame. The frame is attached below the forward wheel axis of each mower unit. In action, the frame leverages the forward drive wheels downward to turn the mower blades when the frame is pulled forward by a garden tractor.