Kathleen Herath AVP — Health and Productivity Nationwide Nationwide Case Study July 13, 2011
auto and homeowners insurance insurance for motorcycles, boats, vehicle fleets, businesses and mobile homes home equity an...
My life. My choice. My health. <ul><li>A program of engagement not compliance </li></ul><ul><li>Relies on trusted advisor ...
<ul><li>NBH Health Portal </li></ul><ul><li>My Health  website </li></ul><ul><li>Associate Resources </li></ul><ul><li>Bro...
Incentives and Outcomes My life. My choice. My health. Nationwide Internal Health and Productivity $25 HRA deposit $25 HRA...
My Health  Promotion Variety of communication materials used – brochures, table tent, posters, dedicated web site and butt...
Dedicated website   – used to communicate and promote all aspects of  My Health. My Health  Champions – support and spread...
My life. My choice. My health. Nationwide Internal Health and Productivity
Learnings for Keeping Communications Fresh <ul><li>Leverage key insights from program champions </li></ul><ul><li>“ Get to...
Integrating Behavioral Health Occupational Health Worksite Disability and Disease Management Health Assessments Wellness P...
Benefit Design Best Practices <ul><li>Highest level of specialty </li></ul><ul><li>Partial disability plan provision </li>...
Integrated Scorecard Measurement <ul><li>Health Plan prior year/current year/trend </li></ul><ul><ul><li>Enrollment </li><...
CARE Report:  Business Leader  C A R E Claims Cost Absence & Productivity Losses Risk Profile Education and Enrollment My ...
State of Health  *”Do Nothing” annualized each year Low-Risk  1.0 and High-Risk  0.4 source Oswald Companies,
State of Health Comparison Year 1 to Year 5 Trend Year 1 - Nationwide Associate “State of Health” 45% 23 %  26% Low Risk H...
<ul><li>EAP </li></ul><ul><li>Productivity </li></ul><ul><li>Biometrics </li></ul><ul><li>Lifestyle  </li></ul><ul><li>Abs...
Our Best Practices <ul><li>Focus on the associate experience </li></ul><ul><ul><li>Ease of use for population; referral pa...
Nationwide Health & Productivity Awards <ul><li>2010 </li></ul><ul><li>National Business Group on Health - 2010  Best Empl...
Thank You Contact information:  Kathleen Herath [email_address] 614.249.4058 linkedin.com My life. My choice. My health. N...
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Koop Award Winner Nationwide Mutual with Kathleen Herath

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  • Innovation from the front lines pays off. Whirlpool, for instance, brought 25 new products to market in three years – a direct result of their focus on innovation. We’re also seeing innovation in the financial services business – such as new products that combine mortgages and checking accounts. Companies are growing by challenging assumptions and looking at their businesses in new ways. For us to reach our goals, we must do the same. But innovation doesn’t happen by accident. To succeed, we need the same disciplined approach that we apply to our financial reporting and strategic planning. We’re making innovation everybody’s job, and our shareholders will be the ultimate beneficiaries of our efforts to better serve the financial needs of America’s consumers. Thank you for your confidence in NFS. Our leadership team is proud to serve you. At this time I’d like to introduce our president and chief operating officer, Mark Thresher, who will present the Management Report. (RETURN TO YOUR SEAT)
  • Why Nationwide chose Nationwide Better Health Same experience as all vendors Blind RFP process Third-party consulting group Harder responsibilities
  • Koop Award Winner Nationwide Mutual with Kathleen Herath

    1. 1. Kathleen Herath AVP — Health and Productivity Nationwide Nationwide Case Study July 13, 2011
    2. 2. auto and homeowners insurance insurance for motorcycles, boats, vehicle fleets, businesses and mobile homes home equity and home mortgage lines of credit traditional life and variable life insurance annuities retirement plans mutual funds specialty investments business cost management health and productivity management (NBH) excess and surplus insurance Nationwide – Who We Are Diversified insurance and financial services organization My life. My choice. My health. Nationwide Internal Health and Productivity
    3. 3. My life. My choice. My health. <ul><li>A program of engagement not compliance </li></ul><ul><li>Relies on trusted advisor relationship to help associates better monitor and maintain their health </li></ul><ul><li>Integrated services revolve around associate </li></ul><ul><ul><li>Features strong leadership and communications support </li></ul></ul><ul><li>Outreaches to the right associates at the right time; when they’re most likely to make changes </li></ul><ul><li>Referral pathways built between all offerings to increase participation </li></ul><ul><ul><li>Associates seen in the clinics can be enrolled directly into telephonic courses, disease management, behavioral health etc. </li></ul></ul><ul><ul><li>Associates on disability can be enrolled directly into disease management (same nurse), screened for depression, etc. </li></ul></ul><ul><li>Allows for continual monitoring of successes and key learnings for program improvements </li></ul>My life. My choice. My health. Nationwide Internal Health and Productivity
    4. 4. <ul><li>NBH Health Portal </li></ul><ul><li>My Health website </li></ul><ul><li>Associate Resources </li></ul><ul><li>Brown Bag Lunches </li></ul><ul><li>Healthy Resource Link </li></ul>NBH Lifestyle Behavior Coaching Telephonic and web-based coaching courses as well as self directed modules of learning NBH Disease Management CAD, CHF, Diabetes, Maternity Management, Oncology (others courses available with self-referral (i.e. Asthma, Depression, Back Pain) <ul><li>NBH Health Assessment </li></ul><ul><li>Includes: </li></ul><ul><li>Domestic violence and depression outreach questions </li></ul><ul><li>Health Screening for health assessment biometric data </li></ul><ul><li>NBH Absence Management </li></ul><ul><li>TOPS (Time Off Planning Service) — absence tracking system (captures 100% of all absences, medical or otherwise) </li></ul><ul><li>STD/LTD Appreciative Inquiry </li></ul><ul><li>Pandemic/Communicable Illness Tracking </li></ul><ul><li>FMLA/State FMLA and State Disability </li></ul>Nationwide Associate <ul><li>Behavioral Health </li></ul><ul><li>Work Place Onsite Counseling (10 sites) </li></ul><ul><li>Domestic Violence/Depression Referrals </li></ul><ul><li>Community Based Counseling </li></ul><ul><li>24-hour Telephonic Counseling </li></ul><ul><li>Convenience Services </li></ul><ul><li>Dedicated Website with robust services </li></ul><ul><li>Occupational Health Primary Care Centers </li></ul><ul><li>Clinical Services </li></ul><ul><li>Dedicated Lactation Areas </li></ul><ul><li>Free Onsite Flu Shots </li></ul><ul><li>Ergonomic Evaluations </li></ul><ul><li>Educational Seminars </li></ul><ul><li>Mobile Mammography </li></ul><ul><li>Allergy Shots, First Aid </li></ul><ul><li>Health Fairs, Health Screenings </li></ul><ul><li>Executive Health Physical Program </li></ul><ul><li>Health Plan and Design </li></ul><ul><li>Wellness Incentives </li></ul><ul><li>STD/LTD Participation in Disease Management Requirement </li></ul><ul><li>100% Preventive Care Coverage </li></ul><ul><li>Sick Leave changed to PTO/STD model </li></ul><ul><li>Concierge Services </li></ul><ul><li>Health Advocacy </li></ul><ul><li>Life Resource Counselors </li></ul><ul><li>Wellness Center </li></ul><ul><li>Free Onsite Fitness Centers </li></ul><ul><li>NBH Walking Program </li></ul><ul><li>Fitness Center Discounts w/Payroll Deductions </li></ul>The My Health Model My life. My choice. My health. Nationwide Internal Health and Productivity
    5. 5. Incentives and Outcomes My life. My choice. My health. Nationwide Internal Health and Productivity $25 HRA deposit $25 HRA deposit $260 HRA $260 HRA or HSA $260 decrease on the cost of health care coverage $260 decrease on the cost of spouse health care coverage Year 1 Requirements Incentive Requirements Requirements Requirements Requirements <ul><li>Health Assessment with a coaching call </li></ul><ul><li>Wellness program </li></ul>Incentive Incentive Incentive <ul><li>Health Assessment </li></ul><ul><li>Wellness program </li></ul>$260 HRA deposit $260 decrease on cost of healthcare coverage <ul><li>Health Assessment </li></ul><ul><li>Wellness program </li></ul>Incentive <ul><li>Health Assessment </li></ul><ul><li>Wellness program </li></ul><ul><li>Spouses Included for health assessment </li></ul><ul><li>Health Assessment </li></ul><ul><li>Wellness program </li></ul><ul><li>Spouses Included for health assessment and wellness program </li></ul>$260 HRA or HSA $312 decrease on the cost of health care coverage $312 decrease on the cost of spouse health care coverage Year 2 Year 3 Year 4 Year 5
    6. 6. My Health Promotion Variety of communication materials used – brochures, table tent, posters, dedicated web site and buttons. Consumerism –message educates associates about how much Nationwide cares about them Associate Testimonials – associates share their success stories, which are featured on posters, single page handouts and a dedicated web page. Materials change each year – while the My Health branding remains constant, material content is updated with each year’s launch. Leadership Call to Action – working with leadership to create a call to action, followed by leadership support. My life. My choice. My health. Nationwide Internal Health and Productivity
    7. 7. Dedicated website – used to communicate and promote all aspects of My Health. My Health Champions – support and spread the program efforts across all demographic and geographical locations. Healthy Holiday Challenge – encourage associates to continue their healthy lifestyle choices/changes during the holiday season. My life. My choice. My health. Nationwide Internal Health and Productivity
    8. 8. My life. My choice. My health. Nationwide Internal Health and Productivity
    9. 9. Learnings for Keeping Communications Fresh <ul><li>Leverage key insights from program champions </li></ul><ul><li>“ Get to the point” with your message </li></ul><ul><li>Use a mix of communications (print, electronic, brown bag luncheons, video, face-to-face meetings) </li></ul><ul><li>Share employees’ success stories </li></ul><ul><li>Leverage current trends and share relevant information </li></ul><ul><ul><li>Introduced a new search engine for helping associates locate local farmers markets </li></ul></ul><ul><li>Look for ways to leverage health messages in other company sponsored programs </li></ul><ul><ul><li>Diversity & Inclusion </li></ul></ul><ul><ul><li>Life Insurance Sales </li></ul></ul>My life. My choice. My health. Nationwide Internal Health and Productivity
    10. 10. Integrating Behavioral Health Occupational Health Worksite Disability and Disease Management Health Assessments Wellness Programs My life. My choice. My health. Nationwide Internal Health and Productivity
    11. 11. Benefit Design Best Practices <ul><li>Highest level of specialty </li></ul><ul><li>Partial disability plan provision </li></ul><ul><li>Changes to work unit budget process </li></ul><ul><li>Disease Management </li></ul><ul><li>HSA / HRA incentive structure </li></ul><ul><li>Preventive Dental Care Preventive </li></ul>My life. My choice. My health. Nationwide Internal Health and Productivity
    12. 12. Integrated Scorecard Measurement <ul><li>Health Plan prior year/current year/trend </li></ul><ul><ul><li>Enrollment </li></ul></ul><ul><ul><li>Claims </li></ul></ul><ul><ul><li>Cost (including pharmacy) </li></ul></ul><ul><ul><li>Hospital Days/ER Visits/Urgent Care/PCP Visits/Specialist Visits </li></ul></ul><ul><li>Participation </li></ul><ul><ul><li>Nurse Advisor </li></ul></ul><ul><ul><li>Web Based Information </li></ul></ul><ul><ul><li>Health Risk Assessment/ Lifestyle Behavior Change </li></ul></ul><ul><ul><li>Disability Management; STD/LTD/WC/FMLA/Disease Management </li></ul></ul><ul><ul><li>Associate Assistance Program </li></ul></ul><ul><ul><li>Occupational Health Clinics </li></ul></ul><ul><li>Satisfaction </li></ul><ul><ul><li>Nurse Advisor </li></ul></ul><ul><ul><li>Web based Information </li></ul></ul><ul><ul><li>Health Risk Assessment/Lifestyle Behavior Change </li></ul></ul><ul><ul><li>Disability Management; STD/LTD/WC/FMLA/Disease Management </li></ul></ul><ul><ul><li>Associate Assistance Program </li></ul></ul><ul><ul><li>Occupational Health Clinics </li></ul></ul><ul><li>Clinical and Utilization Values </li></ul><ul><ul><li>Nurse Advisor </li></ul></ul><ul><ul><li>Health Risk Assessment/Lifestyle Behavior Change </li></ul></ul><ul><ul><li>Disability Management; STD/LTD/WC/FMLA/Disease Management </li></ul></ul><ul><ul><li>Associate Assistance Program </li></ul></ul><ul><ul><li>Occupational Health Clinics </li></ul></ul><ul><li>Savings/ROI </li></ul><ul><ul><li>Nurse Advisor </li></ul></ul><ul><ul><li>Lifestyle Behavior Change </li></ul></ul><ul><ul><li>Associate Assistance Program </li></ul></ul><ul><ul><li>Disability Management; STD/LTD/WC/FMLA/Disease Management </li></ul></ul>My life. My choice. My health. Nationwide Internal Health and Productivity
    13. 13. CARE Report: Business Leader C A R E Claims Cost Absence & Productivity Losses Risk Profile Education and Enrollment My life. My choice. My health. Nationwide Internal Health and Productivity
    14. 14. State of Health *”Do Nothing” annualized each year Low-Risk 1.0 and High-Risk 0.4 source Oswald Companies,
    15. 15. State of Health Comparison Year 1 to Year 5 Trend Year 1 - Nationwide Associate “State of Health” 45% 23 % 26% Low Risk High Risk Moderate Risk Chronic Disease 6% Maintain Health Improve Health Manage Health Year 5 - Nationwide Associate “State of Health” 61.0% 24.1% 8.8% Low Risk High Risk Moderate Risk Chronic Disease 6% Maintain Health Improve Health Manage Health My life. My choice. My health. Nationwide Internal Health and Productivity
    16. 16. <ul><li>EAP </li></ul><ul><li>Productivity </li></ul><ul><li>Biometrics </li></ul><ul><li>Lifestyle </li></ul><ul><li>Absence and Disability </li></ul>Outcome Data
    17. 17. Our Best Practices <ul><li>Focus on the associate experience </li></ul><ul><ul><li>Ease of use for population; referral pathways between programs and integrated services that revolve around associate </li></ul></ul><ul><ul><li>Create programs that address the holistic view of an employee’s health and absence activity </li></ul></ul><ul><li>Associate surveys show satisfaction improved, enrollment rates increased, outreach completed earlier and disability durations have decreased </li></ul><ul><ul><li>Use your employees to improve the employee experience </li></ul></ul><ul><li>Evaluate outcomes for both risk reduction and claims savings </li></ul><ul><ul><li>Increased employee understanding of condition and benefits </li></ul></ul><ul><ul><li>Improved outcomes along the entire health continuum </li></ul></ul><ul><ul><li>Integrate behavioral health into all aspects of the programs </li></ul></ul>My life. My choice. My health. Nationwide Internal Health and Productivity
    18. 18. Nationwide Health & Productivity Awards <ul><li>2010 </li></ul><ul><li>National Business Group on Health - 2010 Best Employers for Healthy Lifestyles - Platinum Award Winner </li></ul><ul><ul><li>This award, by the National Business Group on Health, acknowledges and rewards organizations that have responded to the urgent need to improve their workers' health, productivity and quality of life. </li></ul></ul><ul><li>APEX Award for Health & Productivity Innovation </li></ul><ul><ul><li>The Apex Award program recognizes the best designed health care benefits strategies and programs of innovative employers, brokers and consultants who are working to improve the health care experience for consumers. </li></ul></ul><ul><li>Sharp Brains Brain Fitness Innovation Silver Award </li></ul><ul><ul><li>The Awards celebrate outstanding pioneers applying neuroplasticity-based research and tools in the ‘real world’. Recognizes organizations devising and implementing results-oriented, scalable initiatives demonstrating commitment to the brain fitness of organization clients, members, patients, students or employees. </li></ul></ul><ul><li>American Heart Association's Start! Fit-Friendly Company - Platinum Achievement </li></ul><ul><ul><li>Platinum-level recognition is for companies that fulfill all the gold-level criteria and demonstrate at least one behavior change specified, achieve at least one cost savings outcome specified and have achieved a positive return on investment. </li></ul></ul><ul><li>2009 </li></ul><ul><li>C. Everett Koop National Health Award </li></ul><ul><ul><li>The most prestigious award for health improvement programs, requiring strong documentation of both health improvement and cost savings. Given to work site programs that have soundly documented improved health and decreased medical costs </li></ul></ul><ul><li>American Heart Association's Start! Fit-Friendly Company - Platinum Achievement </li></ul><ul><ul><li>Platinum-level recognition is for companies that fulfill all the gold-level criteria and demonstrate at least one behavior change specified, achieve at least one cost savings outcome specified and have achieved a positive return on investment. </li></ul></ul><ul><li>Integrated Benefits Institute & National Business Coalition on Health Award for Employer/Employee Innovation in Health & Productivity </li></ul><ul><ul><li>Recognizes leadership in the area of health and productivity and honors an employer that has worked with its employees to develop, implement and measure an innovative health and productivity initiative. </li></ul></ul><ul><li>2008 </li></ul><ul><li>American Heart Association's Start! Fit-Friendly Company - Platinum Achievement </li></ul><ul><li>National Business Group on Health - Best Employers for Healthy Lifestyles - Gold Award </li></ul>My life. My choice. My health. Nationwide Internal Health and Productivity
    19. 19. Thank You Contact information: Kathleen Herath [email_address] 614.249.4058 linkedin.com My life. My choice. My health. Nationwide Internal Health and Productivity

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