Supporting Employees Through Transitions: How NiHowdy Provides Continuity in Healthcare

Supporting Employees Through Transitions: How NiHowdy Provides Continuity in Healthcare

Layoffs are among the most challenging moments for both employees and employers. Beyond the immediate financial strain, losing health insurance and access to affordable prescriptions can compound stress for departing team members. NiHowdy offers a compassionate, practical solution to ease this transition, ensuring employees maintain access to critical medications even during gaps in coverage.

The Problem: Prescription Access Post-Layoff

When employees lose job-based health insurance, they face limited options:

• COBRA: Costly (employees pay 100% of premiums + 2% fees).
• Marketplace plans: Requires navigating enrollment windows and formulary changes.
• Coverage gaps: Even short lapses can lead to rationing medications or skipping refills.

Interruptions can have serious health consequences for chronic condition medications (e.g., insulin, antidepressants), or specialized drugs (e.g., Wegovy, Humira).

NiHowdy’s Solution: Seamless, Employer-Independent Access

Gap Coverage Without Complexity

NiHowdy requires no insurance enrollment, making it ideal for transitions:

1. Immediate savings: Employees save up to 85% on prescriptions at 65,000+ pharmacies.
2. No formulary restrictions: Covers medications excluded by most plans (e.g., fertility drugs, branded dermatology treatments).
3. Pet prescriptions included: 25-40% discounts, easing the burden for pet owners.

Example: A laid-off marketing manager continues her $300/month asthma inhaler for $45 via NiHowdy—no COBRA or Marketplace enrollment needed.

Continuity Across Career Changes

NiHowdy stays with employees regardless of employment status:

1. Pre-layoff: Used alongside employer insurance.
2. Post-layoff: Bridges coverage gaps until new insurance begins.
3. New job: Continues as a supplemental savings tool if the new plan has high deductibles or exclusions.

Employees keep their NiHowdy account and Bitcoin rewards, creating long-term financial value.

How HR Teams Can Integrate NiHowdy

1. Include in Severance Packages: Provide NiHowdy enrollment guides during offboarding.
2. Highlight in Exit Meetings: Emphasize continued access to prescriptions and pet medications.
3. Leverage Bitcoin Rewards: Frame accumulated Bitcoin as a transitional financial cushion.

Case Study: A tech firm facing layoffs offered NiHowdy as part of its severance toolkit. Over 80% of impacted employees used the program, with $12,000+ in collective Bitcoin rewards accrued during their job search.

Why NiHowdy Builds Employer Goodwill

• Compassionate offboarding: Demonstrates care beyond the employment relationship.
• Risk mitigation: Reduces liability concerns about medication access post-layoff.
• Brand loyalty: Laid-off employees become advocates, boosting recruitment and alumni networks.

Key Takeaways for HR Leaders

• NiHowdy works with or without insurance, easing transitions during layoffs.
• Employees retain access to pet medications and Bitcoin rewards indefinitely.
• A low-cost, high-impact addition to severance support programs.

By integrating NiHowdy into transition plans, employers provide a lifeline that transcends employment status, turning a difficult moment into an opportunity to uphold organizational values and employee well-being.

NiHowdy is not insurance—savings based on 2025 average pricing. Bitcoin rewards are subject to market fluctuations.