A health insurer has developed a new approach to get employees to help hold down plan claims costs.

Humana Inc., Louisville, Ky., says its new Humana Momentum program will give employers that offer fully insured Humana group medical plans access to the existing Humana Rewards incentive program.

Employees who take health assessments and use other wellness and condition management services can earn points that can be used to buy gift cards and merchandise

Once employees meet certain reward level requirements, Humana Momentum employers can earn renewal rate discounts of up to 2% and dental renewal rate discounts of up to 3%, Humana says.