Presenting: Healthcare Incentive Catalogs

InComm Healthcare recently launched a new collection of targeted incentive catalogs, specially curated to meet top healthcare challenges.

Date:Aug. 5, 2019

InComm Healthcare recently launched a new collection of targeted incentive catalogs, specially curated to meet top healthcare challenges. Each catalog is uniquely designed to engage a specific audience with incentives that will save them money and improve their overall well-being. The goal of these catalogs is to give healthcare providers a means to incentivize healthy users while trusting that, when investing in their members, the funds are appropriately spent on healthy, beneficial items.



"Those health insurers who can effectively manage the customer experience will keep their customers.”

Rod Kersch, Vice President of Sales at InComm Healthcare



By incentivizing members through InComm’s catalogs, plans aim to enhance the customer experience for their members. “Those health insurers who can effectively manage the customer experience will keep their customers,” said Rod Kersch, Vice President of Sales at InComm Healthcare. “We’ve been very mindful of creating incentive programs that can be used by our health insurer partners to better engage their members.” That these programs simultaneously encourage behaviors that benefit both members and plan in the long run is an added perk. And access is easy for consumers – they just swipe a card at checkout to pay for eligible items.



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Our catalogs will expand in the future, with room for customization to meet a provider’s specific needs. We are excited to launch our first four catalogs which include:




InComm – Graphic of a credit card and a baby footprint. First Years Wellness

The first years of a child’s life are vitally important to his or her development. As any new parent can attest, these can be busy1stressful2, tiring3 times – oftentimes financially as well as emotionally. There may not be one simple guidebook to raising a child, but there’s now plenty of evidence highlighting the developmental importance of a child’s formative years. And while the myriad intricacies of child-raising may be up for debate, meeting basic needs is a no-brainer.


Whether purchasing staples like diapers, wipes, bottles and baby food, or getting into the nitty-gritty with adjustable nursing pillows and hypoallergenic mattress toppers, parents tend to relish any extra funds when it comes to providing for their youngest family members. Now, health plans are stepping up to the plate with incentives specifically for those little bundles of joy. It takes a village, after all.


InComm Healthcare’s First Years Wellness Card allows new parents to purchase essential baby care items during the critical first years of their child’s life. By providing incentive money for catalogued childcare items such as diapers, formula, and over-the-counter medicines, plans can invest in their members two generations at a time, alleviating stress and financial strain on parents and ensuring access to necessities for infants and young children.


Add First Years Wellness Incentives to Your Plan.



InComm – Graphic of an apple, carrot and a checkmark. Healthy Foods

Eating right – everyone knows it’s easier said than done, for more reasons than one. That’s why we developed our Healthy Foods catalog, which allows plans to engage food-insecure members, giving them access to healthy and nutritious foods on a regular basis.  

Food insecurity is defined as the state of being without reliable access to a sufficient quantity of affordable, nutritious food. It’s a situational condition that causes anxiety, stress, and malnourishment in families without the financial means or other resources to attain quality food.


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According to Feeding America, food insecurity can have the most drastic impact on individuals with health complications requiring regular medicine, seniors with fixed incomes, and children, who are still developing physically and mentally. But food insecurity is never good, and it’s all too prevalent. The USDA reports that 15 million U.S. households were food insecure at one point in 20174 – that’s an estimated 40 million people.


There’s also the issue of choices made by food-insecure families and other individuals who may be more food-secure but still cost-conscious or just not diet-savvy. Sugar5, saturated fats6, and sodium7 (often from junk food and fast food8) are commonly overindulged9 (often at the expense of fruits and vegetables), resulting in less-than-ideal eating habits for many people. The numerous negative health effects from overindulgence and malnourishment create significant financial and health costs, felt by individuals and the overall healthcare industry. For the food-secure and food-insecure alike, incentivizing healthier purchases (and helping negate the higher price tag of healthy options) should pay dividends for all involved10.


Our Healthy Foods catalog gives health plans the option to provide incentives for the purchase of healthy, nutritious food while restricting spending on junk food, sugary sweets and soft drinks, and other unhealthy items. Be it providing an outlet for food-insecure members who may have competing needs for limited incomes or encouraging healthier choices through incentive provisions for those who may struggle with nutritional awareness or bad habits, these catalogs give health plans an option to improve the well-being of their members through stronger dietary decision-making and a reliable source of funds for healthy foods.


Add Healthy Foods to Your Health Plan.



InComm – Graphic of a shopping basket and a checkmark. Sensible Living

Our most expansive catalog, this card allows spending on nearly anything at participating retailers, prohibiting only alcohol, tobacco and firearms. For health plans, this option can provide a more traditional incentive structure, giving users the freedom to spend incentive funds as they see fit, or serve as a basis enabling them to build their own curated and targeted incentive program with an extensive product offering.


Add Sensible Living Benefits to Your Health Plan.



InComm – Graphic of a no smoking sign. Smoking Cessation

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It’s no secret that smoking cigarettes is bad for your health. Contributing to more than 480,000 deaths each year, it’s the leading preventable cause of death in the United States11. Smokers face increased risk of coronary heart disease, stroke, and lung cancer – and quitting is, quite frankly, an uphill battle.


While it isn’t easy, quitting certainly pays dividends. The CDC reports these reduced health risks:

  • Lowered risk for lung cancer and many other types of cancer.
  • Reduced risk for heart disease, stroke, and peripheral vascular disease (narrowing of the blood vessels outside your heart).
  • Reduced heart disease risk within one to two years of quitting.
  • Reduced respiratory symptoms, such as coughing, wheezing, and shortness of breath.
  • Reduced risk of developing some lung diseases (such as chronic obstructive pulmonary disease, also known as COPD, one of the leading causes of death in the United States).
  • Reduced risk for infertility in women of childbearing age. Women who stop smoking during pregnancy also reduce their risk of having a low birth weight baby.12


Smoking may be on the decline13, but it’s still a burden borne by 34.3 million Americans, with enormous related health costs looming down Tobacco Road. The products available in the Smoking Cessation catalog give members a helping hand in their quest to quit with incentivized spending for smoking cessation. Scientists seem to believe that social support is an effective component for quitters, after all, so why go it alone?


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Of all the approaches out there, cold turkey is the most popular method attempted, but only 4 to 7 percent of individuals are able to give up the habit without help14. While less commonly attempted, nicotine replacement therapy is shown to increase the likelihood of quitting by as much as 50 to 60 percent15. Interestingly, no single method of replacement was reported to be more successful than any other – so whether gum, patches or lozenges suit your fancy, picking one and committing to it greatly increases the odds of relinquishing this dangerous addiction. With so many options available – there’s even an app for that – there has never been more support available for soon-to-be-former smokers. We’re happy to add our Smoking Cessation Card to that list.


Add Smoking Cessation Incentives to Your Health Plan.




A Win-Win-Win Solution

Given resource constraints, high member volumes and changing patient preferences, it may be challenging for health insurers to find cost-effective engagement solutions. But with innovative technology solutions such as InComm’s proprietary Healthcare Payment Platform, insurers can affordably create programs that incentivize members and retain their business.


“What gets customers engaged is meeting their individual needs in unique ways,” Kersch noted. InComm is thrilled to provide these methods for fostering engagement between health plan members and their providers towards the goal of a healthier lifestyle for all.


Are you ready to add our incentive catalogs to your health plan?


1 Carson, Valerie, Adamo, Kristi, and Rhodes, Ryan E. “Associations of Parenthood with Physical Activity, Sedentary Behavior, and Sleep.” American Journal of Health Behavior, vol. 72, no. 3. May 2018, pp. 80-89.
2 Mayo Clinic Staff. “Newborn Care: 10 Tips for Stressed-Out Parents.” Mayo Clinic, Accessed June 27, 2019.
3 Gay, Caryl L., Lee, Kathryn A., and Lee, Shih-Yu. “Sleep Patterns and Fatigue in New Mothers and Fathers.” Biological Research for Nursing, vol. 5, no. 4, April 2004, pp. 311-318.

4 “Food Security Status of U.S. Households in 2017.” Economic Research Service. United States Department of Agriculture, Accessed June 28, 2019.


5 Hughes, Locke. “How Does Too Much Sugar Affect Your Body.” WebMD, Accessed June 26, 2019.


6 “Saturated Fat.” Healthy Living. American Heart Association, Accessed June 26, 2019.


7 “Public Health concerns: Salt and Sodium.” The Nutrition Source. Harvard TH Chan School of Public Health, Accessed June 26, 2019.


8 Brissette, Christy. “This is your body on fast food.” The Washington Post, March 2018, Accessed June 20, 2019.


9 “Current Eating Patterns in the United States.” Dietary Guidelines 2015-2020. Office of Disease Prevention and Health Promotion, Accessed June 27, 2019.


10 Lee, Yujin, et al. “Cost-Effectiveness of Financial Incentives for Improving Diet and Health through Medicare and Medicaid: A Microsimulation Study.” PLOS Medicine, vol. 16, no. 3, March 2019.


11 “Health Effects of Cigarette Smoking.” Smoking & Tobacco Use. Centers for Disease Control and Prevention, Accessed june 27, 2019.


12 “Quitting Smoking.” Smoking & Tobacco Use. Centers for Disease Control and Prevention, Accessed June 27, 2019.


13 Ahmed, Jamal, et al. “Current Cigarette Smoking Among Adults – United States, 2016.” Morbidity and Mortality Weekly Report, vol. 67, no. 2, January 2018, pp. 53-59.


14 “What to Expect When Quitting.” Stop Smoking. American Lung Association, Accessed June 28, 2019.


15 “Can Nicotine Replacement Therapy (NRT) Help People Quit Smoking?” Cochrane, Accessed June 28, 2019.