The document discusses the role of health and wellness incentives in influencing healthcare costs and outcomes, emphasizing that a significant portion of healthcare expenses arises from preventable behaviors. It highlights various strategies, including a technology-driven incentive program, designed to encourage healthier behaviors like screenings and preventive care. Additionally, it covers the importance of engagement and participation, ensuring compliance with privacy regulations while providing multiple reward redemption options.

1. Health & Wellness Incentives from

2. What drives healthcare costs & outcomes? Most drivers of healthcare costs and outcomes are associated with human behavior Prescription refills, preventive screenings, diet, exercise, and well-baby visits are all examples of healthy behaviors Targeted and well-designed incentives can directly influence human behavior

3. 70% of healthcare expenses stem from preventable causes The Healthcare Environment Source: Health Promotion Advocates, from statistics kept by the Center for Disease Control and Prevention, the National Institutes of Health, the National Institute of Diabetes and Digestive and Kidney Diseases, and the Journal of Occupational Medicine. Billions

4. Proper health behaviors affect outcomes Meaningful incentives increase engagement in behaviors Improvements in health result in decreases in costs Why should you use incentives to promote health?

5. Using incentives to influence behavior is proven Individual and consumer behavior is influenced in most retail industries Incentives in healthcare represent a significant opportunity to change behavior Effectiveness of Incentives

6. What is ? A comprehensive incentive solution to improve engagement and increase participation in health behaviors Scalable & flexible technology to incent a wide variety of healthy activities Points are issued when members engage and participate in desired health-related behaviors

7. The Difference Technology platform and all functions at little or no additional cost Programs designed using advanced principles of behavioral science Multi-sponsor funding Point-based currency redeemable for a variety of reward options Configurable promotions offered to one individual or millions Pay-for-performance model: payment occurs if and when the desired behavior takes place

8. Health Incentive Examples Screenings & Preventive Care Health Risk Assessments Nicotine Tests Annual Physicals Man/Woman exams Mammograms Colonoscopies Annual Flu Shots Wellness Programs Weigh-in Programs Weight Watchers Diabetes Programs Smoking Cessation Walking Programs Lifestyle Programs Seminar Attendance Health behavior areas where incentives can be effectively utilized: Pharmacy Adherence & Cost Savings Refill Rx in a timely manner Switch from Retail to Mail-order Rx Switch from brand to generic Rx Onsite Pharmacy Rx Fills Fill a New Prescription

9. Privacy and Security Participation is voluntary Compliant with HIPAA/HITECH policies and procedures All information received from a client is treated as confidential information Configurable for secure file transfers and encryption protocols

10. Participation & Transaction Files How It Works Targeted Messages Targeted behaviors are captured and processed through the ChipRewards platform to issue points to a member’s account. Targeted messages and communications prompt members, improving engagement and participation. ChipRewards Member Customer Support Services Member Account Access Behavior Tracking Reward Fulfillment

11. SMS /MMS Reminders & Account Balance Electronic Statements & Offers Account Management via Mobile Web Application Newsletters & Direct Mail Materials Member Communication Tools Secure Login to Online Member Account

12. Client & Sponsor Reporting Receive detailed reports of program activity & automated invoicing Track member engagement, participation and the effectiveness of promotions Automate regulatory & compliance practices

13. Redeeming Points for Rewards Robust and configurable redemption offerings Catalog options with a wide selection of merchandise, travel and event tickets Premium reductions, certificate redemptions, and stored-value cards available if desired

14. For more information about contact: [email_address] www.McDowell-Incentives.com/chip-rewards 800.599.4669