Such programs are offered by most health insurers as an attempt to foster a culture of proactive health management among their clients.Such programs are offered by most health insurers as an attempt to foster a culture of proactive health management among their clients.Such programs are offered by most health insurers as an attempt to foster a culture of proactive health management among their clients.Such programs are offered by most health insurers as an attempt to foster a culture of proactive health management among their clients.