The Ucare Fitness Model provides incentives to customers to exercise regularly by paying them weekly for meeting physical activity goals. Customers use an app to track their gym visits and are paid $15 per week for 300+ minutes of exercise, with $5 deducted for every 100 minutes under the goal. This incentivizes exercise and reduces healthcare costs from related diseases. A pilot with 0.2% of UnitedHealthcare's 50 million members could save $1,313 per customer annually and significantly reduce the insurer's reimbursement costs.
5. Two main risk factors of heart disease:
1. Blood Pressure
2.Cholesterol PHYSICAL ACTIVITY BLOOD PRESSURE AND
CHOLESTEROL LEVEL
5
6. 6
PHYSICAL ACTIVITY GUIDELINES
24
%
76
%
OBESITY ADULTS AGED 20+
42.4% 24.0%
National Center for Health Statistics (NCHS)
Recommend that adults get at least 150 minutes of
moderate or 75 minutes of vigorous exercise each
week, in addition to muscle strengthening activities at
least twice a week.
In 2018 percent of obese population
Was 42.4 % higher than it were in
2000
8. THE PRINCIPLE OF LOSS AVERSION
61% Of people fear loss over gain
The pain of losing is worse than
the thrill of winning.
Source: prospect theory by Kahneman and Tverskyy
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9. UNIVERSITY OF
PENNSYLVANIA
STUDY
• In 2016, a study conducted at the
University of Pennsylvania paid people to
go to get more physical activity
• On average, people who were paid to
do physical activity were 17% likelier to
reach the baseline of physical activity
than the control group
• Additionally, people who were given
the money initially, and had to pay
each week they did not meet physical
baselines, were 50% likelier to reach
the baseline of physical activity than
the control group
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10. 8
Per Month
$60.00
Weeks
Week 1
Week 2
Week 3
Week 4
Payment
$15.00
$15.00
$15.00
$15.00
Exercise per week
300 minutes
OUR MODEL
Subtract $5.00 for each increment of 100 minutes
We start by giving customers money
then taking them away if they do not
meet exercise goals
Based on idea that gym use could prevent many
surgeries correlated with lack of exercise and
unhealthy lifestyle
Pay our customers who actively use
the gym. Payments will be done on a
weekly basis for customers spending
300+ minutes in a gym
11. At the end of the week
(Saturday) customers are
notified if they get the full
$15.00 for that week.
SUCCESSFUL COMPLETION
$15.00
• Customers use the gym
of choice
• Scan the app in the gym.
DAY 1
BEGIN
UHC app keeps track of
customer visits to the gym
RECORDS
- Each week customers get paid
if they have 300 minutes of
physical activity per week
- Customers lose $5.00 per
week for each 100-minute
barrier they miss (i.e. 200
minutes of activity would be
$10.00)
PARTIAL CREDIT
9
MODEL IMPLEMENTATION
Congratulations!
12. 90%
Policyholders who are eligible
For SilverSneakers "never step
foot in a gym"
WHY?
Policyholders had nothing to lose
FREE
12
FAIL OF
SilverSneakers
Fitness Program
13. IT’S A WIN-WIN SITUATION
Per year
$4,500 Those who exercises about
150 minutes per week
Per year
$5,813 Those who do not
exercise at all
$1,313
Per year
Customer’s out-of-pocket saving
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14. IT’S A WIN-WIN SITUATION
UnitedHealthcare
Cost reduction
81% Significance reduction in
reimbursement cost 15
$
$
$123,000
$28,800
Cost for one-time heart surgery
40 years of gym membership cost
15. 50Million
Members of UnitedHealthcare
in 2019
$60
Per Month
Max cost of Ucare Fitness Model per
customer
Policyholder
Policyholders that will engage in initial
Trial of Ucare Fitness Model
0.2%
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PILOT PROGRAM
