Excerpt: As our country continues to move toward consolidation of major insurance companies, over time there may be only a handful of health insurance companies in the United States covering virtually all people who have employer-based coverage. No matter who the employer is, the insurers would clearly see that it would be to everyone's benefit to cover prevention since they, as well as the patients and employers, will all eventually benefit in terms of staying healthier and having decreased absenteeism. So, prevention does save money for the employer as long as the employee is working because that particular worker, as well as all workers, stays healthier and is more productive. In a study that reviewed 73 worksite health promotion programs over four years, the benefit of prevention was clear: For every dollar spent on keeping employees healthy, $3.50 was saved in reduced absenteeism and health care costs.