Which term best describes employer-supported programs within an HMO that promote health, such as stress reduction and smoking cessation?

• A. Preventive services
• B. Stress management plans
• C. Wellness programs
• D. Indemnity coverage

Answer: (C)

Wellness programs are employer-supported efforts, often within an HMO framework, that aim to improve employees’ overall health and prevent illness by promoting healthier behaviors. Stress reduction and smoking cessation are classic examples because they target modifiable risk factors and can lead to better long-term health and lower costs. Preventive services, by contrast, refer to specific medical tests and procedures used to prevent disease. Stress management plans are a part of wellness initiatives but are narrower, while indemnity coverage describes a type of plan rather than the health-promotion activities themselves.