Financial Wellness in a Disaster: TPA’s Role in Supporting Participants’ Wellbeing
Disasters, whether natural, economic, or health-related, bring more than just physical and emotional stress. They often trigger significant financial strain that can disrupt lives. For many employees, the combination of unexpected medical expenses, life instability, and emergency expenses creates a heavy burden for your participants.
Third-Party Administrators (TPAs) become partners in resilience, in these critical moments, helping participants make informed decisions, access care affordably, and navigate the complexity of benefits with greater ease under uncertain circumstances.
TPA Support in a Disaster Requires Expertise
As a TPA serving over two (2) million participants nationwide, Zenith American Solutions (Zenith) has supported participants through many disasters. Zenith provides immediate support for participants nationwide during any disaster by helping them fully understand and access available benefits. Clarity around what is covered and how to access care during a stressful time allows participants to focus on themselves and their families. Zenith’s Customer Care agents explain plan details clearly and compassionately when things go wrong, ensuring that participants can use their coverage without unnecessary worry or confusion.
Zenith provides timely communications to the clients and participants about telehealth services, prescription refills, and accessing immediate care under less than ideal circumstances. We inform clients and their participants on extended deadlines due to natural disasters and educate participants regarding programs available to them if they’re suffering health disasters, giving participants and their families peace of mind when they need it most.
Zenith’s Participant First Approach
We support participants by raising awareness of mental health benefits, including counseling services, employee assistance programs (EAPs), and virtual therapy options. When people feel emotionally supported, they are better equipped to manage stress and survive the disaster they are suffering.
Zenith is leveraging technology and digital tools to make health and financial decisions more accessible, especially during a disaster. Mobile apps and online portals allow participants to check their benefits, track deductibles, and receive real-time updates, 24 hours a day, from any location.
During the worst of times, Zenith can become a vital lifeline providing clarity at a time when confusion and urgency are at their peak. Participants are better able to make informed decisions, avoid surprise costs, and feel more in control of their life, during any disaster.
