AWinning Approach to
Wellness
April 2014
HEALTHCHECK360.COM
Direct Phone: 563.587.5415
Roy.Lines@HealthCheck360.com
Presen...
Business stakeholders have a choice:
“Pay now through wellness programs or
pay much more in health care costs later…”
AGENDA
• HealthCheck360°Value Proposition
– Unique & Cost Effective
– Ease of Administration
– Verifiable & Manageable Res...
Our system has three broad categories of
benefits to business clients and prospects:
1. Cost Effectiveness
2. Ease of Adm...
 HealthCheck360° is not just another wellness provider.
 HealthCheck360° has a financially focused, easy to
adopt 5-step...
 HealthCheck360° is unique because we provide a progressive
program that integrates participatory, activity-based and out...
7
What are the Benefits of a Wellness Program?
Employer Benefits
1. Awareness of “lifestyle diseases” &
the direct correla...
WHY HAVE A WELLNESS PROGRAM?
8
Source: Co-Occurrence of Leading Lifestyle-Related Chronic Conditions Among Adults in the U...
9
KAISER FOUNDATION 2013
EMPLOYER HEALTH BENEFITS SURVEY
77% Employer
&
10
Why Have a Wellness Program?
Source: Workplace Wellness Programs Study Final Report to Congress 2013
Rand Health Corpor...
KAISER FOUNDATION 2013
EMPLOYER HEALTH BENEFITS SURVEY
11
Firms offering health benefits continue to offer wellness and he...
WHY HAVE A HEALTHCHECK360° WELLNESS PROGRAM ?
$8,852
$9,054
$8,365
$8,967
$8,823
$8,247
$7,429
$7,861 $8,334
$9,033
$9,730...
How does HealthCheck360° effectively limit rising health care costs?
Through a Performance – Based Health Management Progr...
DOES IT WORK?
• What is the impact of HealthCheck360° program on health risk status?
– Health risk migration is the founda...
YEAR 1 TO 2 MIGRATION
0
2000
4000
6000
8000
10000
12000
14000
Ideal Low Moderate High Very High
10941
13526
8080
5206
3884...
YEAR 1 TO 5 MIGRATION
0
200
400
600
800
1000
1200
1400
1600
1800
2000
Ideal Low Moderate High Very High
1020
1787
1149
736...
IS IT COST EFFECTIVE?
What’s the Financial Impact?
Medical Cost Gap Analysis
17
$12,000
$13,200
$10,263
$10,992
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
2013 2014 (Projected)
ABC Costs vs....
CONTINUE WITH A DO NOTHING STRATEGY
$-
$5,000.00
$10,000.00
$15,000.00
$20,000.00
$25,000.00
$12,000.00
$13,200
$14,520
$1...
$-
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
$20,000
Year 1 Year 2 Year 3 Year 4 Year 5
HC360 Co...
IS IT COST EFFECTIVE?
$-
$5,000
$10,000
$15,000
$20,000
$25,000
Year 1 Year 2 Year 3 Year 4 Year 5
HC360 Plan: Cost Reduct...
VERIFIABLE RESULTS
$6,000
$6,500
$7,000
$7,500
$8,000
$8,500
$9,000
$9,500
$10,000
$10,500
$11,000
2007-08 2008-09 2009-10...
HC360° PROCESS: IDENTIFYTHE ROOT PROBLEM
IFYOU CAN MEASURE ITYOU CAN MANAGE IT
23
Biometric Screening Findings
• 111 with ...
QUANTIFY HEALTH RISK INYOUR POPULATION
24
0
20
40
60
80
100
120
140
160
180
40%
20%
35%
31%
19%
Projected Health Risks in ...
12
4
16
4
16
4
100 Points
All of these health conditions
can be modified by a
combination of an employer’s
decision on fin...
CORRELATE RISK LEVELSTO HEALTH SCORE
HealthCheck360° Scorecard
Risk Level Correlated to HC360° Health Score
Ideal ≥ 86 A
L...
TRANSLATE HEALTH RISKS INTO AN ACTION PLAN
(POPULATION HEALTH DISPERSION)
30.70% 31.10%
18.90%
10.20%
9.10%
Ideal
(85+)
Lo...
24.1%
32.6%
21.0%
10.3%
12.0%
Ideal
(18.5-24.9)
Low Risk
(25-29.9)
Moderate Risk
(30.0-34.9)
High Risk
(35.0-39.9)
Very Hi...
ESTABLISH YEAR 1 BASELINE TO SHOW Y-O-Y
POPULATION HEALTH IMPROVEMENT
R² = 0.9662
R² = 0.8815
66
68
70
72
74
76
78
80
82
8...
CORRELATING CLAIMS COSTSTO RISK LEVELS
HealthCheck360°
Risk Level Cost
Ideal $1680.35
Low $2279.46
Moderate $2855.74
High ...
$8,132
$6,202
$5,838
$5,493
$-
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
$9,000
Non-participant/ HRA Only 1 ...
HEALTHCHECK360° 5-STEP BEST PRACTICES
WHY OUR SYSTEMWORKS!
• Objective biometric collection process
– Identify & measure h...
PROPRIETARY OBJECTIVE
SCORING SYSTEM – DRIVES RESULTS
• Our scoring algorithm is directly
correlated to present and future...
A SCORING MODEL THAT IS EFFECTIVE
34
• Marketplace
– Difficult to understand
(negative to positive)
– Rely on some measure...
HEALTHCHECK360°
MANAGES COMPLIANCE
• HealthCheck360 provides:
– Incentive Consulting & Reporting
– HIPAA Compliance
– Reas...
36
 Your dedicated go to consultant for all support and service needs
 Consult on effective incentives, scheduling, and ...
IMPLEMENTATION PROCESS
We will provide & manage written
service timeline for:
• Intake process
• Training your team
• Empl...
CLIENT SPECIFIC REPORTING
38
* If applicable
• Individual Report
• Executive & Aggregate Report
• Claims analysis*
• Healt...
BENEFITS GAINED
 Effectively manage your wellness program –
• like you manage your business; with employee accountability...
BENEFITS GAINED
 Expertise with HIPAA and HITECH regulations –
• compliance oversight maintains your program integrity an...
HEALTHCHECK360° CONTACT
41
For a meeting, webinar or plan proposal call or email:
Roy C. Lines, CFP®, CRPS®
Sales Executiv...
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HealthCheck360 A Winning Approach to Wellness

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HealthCheck360 A Winning Approach to Wellness

  1. 1. AWinning Approach to Wellness April 2014 HEALTHCHECK360.COM Direct Phone: 563.587.5415 Roy.Lines@HealthCheck360.com Presented By: Roy Lines, CFP®, CRPS®
  2. 2. Business stakeholders have a choice: “Pay now through wellness programs or pay much more in health care costs later…”
  3. 3. AGENDA • HealthCheck360°Value Proposition – Unique & Cost Effective – Ease of Administration – Verifiable & Manageable Results • Define the Benefits of aWellness Program – To the Employer – To the Employee • Why Have aWellness Program • The HealthCheck360° System andWhy ItWorks – Demonstrate the Financial Impact for Employers • The HealthCheck360° Process • Benefits Gained
  4. 4. Our system has three broad categories of benefits to business clients and prospects: 1. Cost Effectiveness 2. Ease of Administration 3. Verifiable & Manageable Results 4 Setting Up HealthCheck360°’sValue Proposition
  5. 5.  HealthCheck360° is not just another wellness provider.  HealthCheck360° has a financially focused, easy to adopt 5-step best practices health management program that is unique, cost effective and delivers verifiable results to enable company stakeholders to effectively mitigate and manage health care costs while at the same time improve the health and productivity of their employees. 5 HealthCheck360°’sValue Proposition
  6. 6.  HealthCheck360° is unique because we provide a progressive program that integrates participatory, activity-based and outcome- based programs.  Over 90% of our clients migrate towards outcome-based incentive structures within 2-3 years.  HC360° can (and often does) integrate our Condition Management (disease and compliance management) programming. 6 Why is HealthCheck360° Unique?
  7. 7. 7 What are the Benefits of a Wellness Program? Employer Benefits 1. Awareness of “lifestyle diseases” & the direct correlation to health care costs 1. Health maintenance & disease prevention 2. Improve health & disease/condition management 3. Improved medication adherence 4. Lower insurance premiums (vs. trend) 5. Decrease out-of-pocket expenses 6. Improve quality of life Employee Benefits I. Increase operating efficiency by increased employee productivity 1. Improved performance 2. Decreased sick days 3. Decreased leaves of absence 4. Reduce medical, disability & worker’s compensation claims costs 5. Lower overall health insurance benefit expenses (vs. trend) 6. Ability to retain and recruit quality employees
  8. 8. WHY HAVE A WELLNESS PROGRAM? 8 Source: Co-Occurrence of Leading Lifestyle-Related Chronic Conditions Among Adults in the United States, 2002-2009 http://www.cdc.gov/pcd/issues/2013/12_0316.htm This page was updated on May 01, 2013, to incorporate the corrections inVol. 10. Earl S. Ford, MD, MPH; Janet B. Croft, PhD; Samuel F. Posner, PhD; Richard A. Goodman, MD, MPH;Wayne H. Giles, MD, MSc 70% of deaths and 75% of health care costs in the U.S. are attributable to chronic diseases The prevalence of having 1 or more or 2 or more of the leading lifestyle-related chronic conditions increased steadily from 2002 to 2009. If these increases continue, particularly among younger adults, managing patients with multiple chronic conditions in the aging population will continue to challenge public health and clinical practice. Conclusion: “The root causes trace back to lifestyle factors such as diet, exercise & smoking”
  9. 9. 9 KAISER FOUNDATION 2013 EMPLOYER HEALTH BENEFITS SURVEY 77% Employer &
  10. 10. 10 Why Have a Wellness Program? Source: Workplace Wellness Programs Study Final Report to Congress 2013 Rand Health Corporation sponsored by U.S. Department of Labor and U.S. Department of Health & Human Services Rand Study estimates medical cost savings of $378 annually per member/ per year
  11. 11. KAISER FOUNDATION 2013 EMPLOYER HEALTH BENEFITS SURVEY 11 Firms offering health benefits continue to offer wellness and health promotion programs: 77% of firms offer at least one wellness program, 24% offer employees health risk assessments, 57% offer at least one disease management program. Small percentages of these firms use financial incentives in order to encourage workers to participate or complete these activities. Source: 2013 Employer Health Benefits Survey, Aug 20, 2013 http://kff.org/?post_type=report-section&p=82269
  12. 12. WHY HAVE A HEALTHCHECK360° WELLNESS PROGRAM ? $8,852 $9,054 $8,365 $8,967 $8,823 $8,247 $7,429 $7,861 $8,334 $9,033 $9,730 $10,346 0 2,000 4,000 6,000 8,000 10,000 12,000 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 To Reduce Health Plan Medical Costs per Covered Employee HC360 Actual Large Employers Question: Why are their health costs continuing to go up? Answer: Traditional wellness programs are not financially focused 12 Source: Mercer National Survey of Employer Sponsored Health Plans 2012 Page 17
  13. 13. How does HealthCheck360° effectively limit rising health care costs? Through a Performance – Based Health Management Program A systematic way – to keep healthy employees healthy, improve the health of the unhealthy and enables better care compliance for those with chronic conditions.
  14. 14. DOES IT WORK? • What is the impact of HealthCheck360° program on health risk status? – Health risk migration is the foundation for establishing ROI • Sample: >55,000 participants • Dates: 2008-2013 • Method: Study repeat participants only (no sample bias) and track aggregate change in health risk using HealthCheck360° scoring algorithm. 14
  15. 15. YEAR 1 TO 2 MIGRATION 0 2000 4000 6000 8000 10000 12000 14000 Ideal Low Moderate High Very High 10941 13526 8080 5206 3884 11977 13954 7599 4786 3321 2 Year Repeat Migration – Participants: 41,637 Year 1 Year 2 15% Decrease 10% Increase 15
  16. 16. YEAR 1 TO 5 MIGRATION 0 200 400 600 800 1000 1200 1400 1600 1800 2000 Ideal Low Moderate High Very High 1020 1787 1149 736 560 1710 1797 919 500 326 5 Year Repeat Migration – Participants: 5,252 Year 1 Year 2 Year 3 Year 4 Year 5 16
  17. 17. IS IT COST EFFECTIVE? What’s the Financial Impact? Medical Cost Gap Analysis 17
  18. 18. $12,000 $13,200 $10,263 $10,992 $0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 2013 2014 (Projected) ABC Costs vs. Mercer Benchmark ABC Mercer 500 WHY IS THIS CLIENT AT A COMPETITIVE DISADVANTAGE? ANALYZE HEALTH COST TREND $1,241,550 N=450 18 $781,650
  19. 19. CONTINUE WITH A DO NOTHING STRATEGY $- $5,000.00 $10,000.00 $15,000.00 $20,000.00 $25,000.00 $12,000.00 $13,200 $14,520 $15,972 $17,569.20 $19,748.23 10,263 $10,992 $11,772 $12,607 $13,503 $15,578 ABC = 10% Trend vs. Mercer Average of 7.1% JEP Mercer <500 N=450 19 2013 2014 2015 201820172016
  20. 20. $- $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000 $20,000 Year 1 Year 2 Year 3 Year 4 Year 5 HC360 Cost of Program + Health Plan Cost per Employee HC360 Program Cost Cost Per Employee OR INVEST IN HEALTHCHECK360° 20 N=450
  21. 21. IS IT COST EFFECTIVE? $- $5,000 $10,000 $15,000 $20,000 $25,000 Year 1 Year 2 Year 3 Year 4 Year 5 HC360 Plan: Cost Reduction by 1% per Year ABC + HealthCheck 360 Mercer 500 ABC Savings: Year 2: $38,000 Year 3: $222,000 Year 4: $520,000 Year 5: $963,000 21 N=450
  22. 22. VERIFIABLE RESULTS $6,000 $6,500 $7,000 $7,500 $8,000 $8,500 $9,000 $9,500 $10,000 $10,500 $11,000 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 $8,852 $9,054 $8,365 $8,967 $8,823 $8,247 $7,588 $8,107 $8,506 $9,012 $10,221 $10,581 $7,429 $7,861 $8,334 $9,033 $9,730 $10,346 Health Plan Costs per Covered Employee Actual Manufacturing Large Employers A health plan competitive cost disadvantage of $1,264 per employee has been transformed into a competitive advantage of $2,334 per employee N=2,000 HC360 Manufacturing Client 22
  23. 23. HC360° PROCESS: IDENTIFYTHE ROOT PROBLEM IFYOU CAN MEASURE ITYOU CAN MANAGE IT 23 Biometric Screening Findings • 111 with glucose in diabetic range • 580 with glucose in pre-diabetic range • 549 individuals with elevated systolic and diastolic blood pressure readings • 815with elevated cholesterol • 883 with BMI readings > 30, of which 396 (44.8%) are also pre- diabetic Claims Information • 50 individuals have claims with diabetes or pre-diabetes • 78 individuals have claims with hypertension • 98 individuals at risk of a heart attack N = 1,750 Manufacturing Firm Management may already know… What if they knew…
  24. 24. QUANTIFY HEALTH RISK INYOUR POPULATION 24 0 20 40 60 80 100 120 140 160 180 40% 20% 35% 31% 19% Projected Health Risks in ABC Population # Health Risks N=450
  25. 25. 12 4 16 4 16 4 100 Points All of these health conditions can be modified by a combination of an employer’s decision on financial incentives, health behavior intervention & compliance management programming. Most importantly, by the employee’s health decisions! 25 28 16 Scoring Model
  26. 26. CORRELATE RISK LEVELSTO HEALTH SCORE HealthCheck360° Scorecard Risk Level Correlated to HC360° Health Score Ideal ≥ 86 A Low 71-85 B Moderate 61-70 C High 51-60 D Very High ≤ 50 F HealthCheck360° has an easy to interpret scoring system that translates biometric values into a simple to understand score that is highly correlative to health risk factors. Ease of interpretation for both participants and company reports for analysis and planning. Financial incentive strategies easily integrate with this progressive scoring system and simplifies the reasonable alternative process.
  27. 27. TRANSLATE HEALTH RISKS INTO AN ACTION PLAN (POPULATION HEALTH DISPERSION) 30.70% 31.10% 18.90% 10.20% 9.10% Ideal (85+) Low Risk (71-84) Moderate Risk (61-70) High Risk (51-60) Very High Risk (<60) HC360 Sample Population Study: N=10,262 2012 27 Keep this Group Healthy Improve this Group’s Health Drive Behavior Change & Manage Care Compliance
  28. 28. 24.1% 32.6% 21.0% 10.3% 12.0% Ideal (18.5-24.9) Low Risk (25-29.9) Moderate Risk (30.0-34.9) High Risk (35.0-39.9) Very High Risk (40+) ABILITYTO DRILL DOWNTO DETERMINE SPECIFIC HEALTH RISKS EXAMPLE: BMI POPULATION DISPERSION HC360 Sample Population Study: N=10,262 2012 28 Keep Up the Good Work Eat Healthy Exercise Program Weight Management Program
  29. 29. ESTABLISH YEAR 1 BASELINE TO SHOW Y-O-Y POPULATION HEALTH IMPROVEMENT R² = 0.9662 R² = 0.8815 66 68 70 72 74 76 78 80 82 84 20 25 30 35 40 45 50 55 60 65 HRATotalScore Age HC360 Repeat Participants vs Baseline Baseline HC360 Participants 29 HC360 Sample Population Study, Baseline N = 38,000 2012
  30. 30. CORRELATING CLAIMS COSTSTO RISK LEVELS HealthCheck360° Risk Level Cost Ideal $1680.35 Low $2279.46 Moderate $2855.74 High $3040.94 Very High $3879.80 Competitor Risk Level Cost “Best” $2260.85 “Moderate” $2676.97 “Poor” $3012.15 HealthCheck360° includes two additional levels of stratification to accurately identify health risk levels. This gives consultants and business owners more accurate data to create targeted interventions resulting in a much higher probability for cost reduction.
  31. 31. $8,132 $6,202 $5,838 $5,493 $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 Non-participant/ HRA Only 1 HRA w/ biometrics 2 HRA w/ biometrics 3 HRA w/ biometrics Fully Insured: Use Wellness Data to Begin Tracking Results Self Insured: Correlate Wellness Data to Paid Claims Per Participant 32.5% reduction in claims from non-participants. 12.4% reduction in claims from 1st to 3rd year of the program. 31 Why Have a Healthcheck360°Wellness Program? N=1,132 2009-2012
  32. 32. HEALTHCHECK360° 5-STEP BEST PRACTICES WHY OUR SYSTEMWORKS! • Objective biometric collection process – Identify & measure health risks • remove subjective predispositions from self-reported HRA • Superior scoring algorithm – Translate lab values into an easy to understand health score • correlated to established benchmarks that are highly predictive of health costs • Flexible and effective incentive management – Motivate participation with flexible design that evolves with program • Reward progress not perfection while maintaining HIPAA & ACA compliance • Mitigate known and unknown health risks – Multimedia engagement programs driven by individual biometric data • Health coaching & Condition management programming • Manage to maximize results – Participation analysis, Engagement levels & Risk migration • Claims integrated client specific reporting 32
  33. 33. PROPRIETARY OBJECTIVE SCORING SYSTEM – DRIVES RESULTS • Our scoring algorithm is directly correlated to present and future cost drivers • Balanced across all major cost drivers • Transparent to participant • Designed to reward positive change across health spectrum • Designed to integrate with medical management • Easily understood 0-100 scale • Developed and reviewed by physicians 33
  34. 34. A SCORING MODEL THAT IS EFFECTIVE 34 • Marketplace – Difficult to understand (negative to positive) – Rely on some measure of self reported information – Incentive structure is fixed – Easy to administer – Complicates Reasonable alternative process – Inaccurate scoring leads to inability to identify where change is needed to improve health & costs • HealthCheck360° – Easy to interpret 0-100 score similar to education system – No self reported information – Incentive structure can evolve with success – Easy to administer – Simplifies Reasonable Alternative Process – Accurate identification of cost drivers and scoring leads to correct appropriation of rewards and interventions
  35. 35. HEALTHCHECK360° MANAGES COMPLIANCE • HealthCheck360 provides: – Incentive Consulting & Reporting – HIPAA Compliance – Reasonable alternative management – Recommended language for SPD wrap document 35
  36. 36. 36  Your dedicated go to consultant for all support and service needs  Consult on effective incentives, scheduling, and processes  Customized implementation guide and timeline  8-10 week pre-event employee communication plan  Biometric screening coordinator  Data and analytic report liaison DEDICATED ACCOUNT MANAGEMENT
  37. 37. IMPLEMENTATION PROCESS We will provide & manage written service timeline for: • Intake process • Training your team • Employee Communication period • Screenings & Assessments • Coaching & Programming • Monthly events & communications 37 Implementation Timeline
  38. 38. CLIENT SPECIFIC REPORTING 38 * If applicable • Individual Report • Executive & Aggregate Report • Claims analysis* • Health Coaching Reporting* • Risk Migration Analysis • CriticalValue Reporting • Executive Review Presentation – Provides synopsis of various reports – Identifies key issues to manage – Compares company data to industry cohorts
  39. 39. BENEFITS GAINED  Effectively manage your wellness program – • like you manage your business; with employee accountability, goal achievement and more predictable outcomes  A systematic way to achieve better health outcomes – • which will mitigate your health spend while increasing productivity resulting in higher operational efficiency and profitability  Expert consultation enables you to set realistic goals and benchmarks – • Enables management, employee benefits team, consultants and providers to effectively monitor, measure & manage for program success  Saves you valuable time in the strategic planning process – • results in developing an evolving program that is congruent with your corporate goals and initiatives  Effectively analyze your population’s health risk migration – • and correlate to claims data; better enabling predictive modeling alignment with ROI expectations  Program is designed to be cost neutral – • program hard costs will have minimal impact on cash flow if implemented as recommended  Program is administratively simple and efficient – • Saving you both soft & hard dollars on administering your wellness program  With access to an employee’s Personal Health Information – • we are in the best possible position to influence a shared vision of good health and healthy habits 39
  40. 40. BENEFITS GAINED  Expertise with HIPAA and HITECH regulations – • compliance oversight maintains your program integrity and reduces time and cost for staff  Expert consultation on prudent financial incentive strategies – • that are intuitive and member specific programming will foster high participation and engagement; ensuring program sustainability and overall goal achievement  Empowering employees to take more personal responsibility – • Over their health increases their confidence in the program resulting in sustainability  A trusted partner – • you can depend on HealthCheck360° for world class customer service and support  A systematic way – • to keep your healthy employees healthy, improve the health of the unhealthy and enables better care compliance for those with chronic conditions 40
  41. 41. HEALTHCHECK360° CONTACT 41 For a meeting, webinar or plan proposal call or email: Roy C. Lines, CFP®, CRPS® Sales Executive Office 563.587.5415 | Cell 563.599.2844 | Fax: 563.587.6602 www.HealthCheck360.com | Roy.Lines@HealthCheck360.com HealthCheck360° 800 Main Street | PO Box 1475 | Dubuque, IA 52004-1475

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