GE Health Benefits and Wellness Strategy Overview

GE Health Benefits and
Wellness Strategy
Innovating to Engage Consumers in their Health and
Value-Based Decision-Making

Pittsburgh Business Group on Health
September 6, 2012

Mark Kresse PT, FACHE
Kresse, PT
Manager, Health Services
GE Transportation
mark.kresse@ge.com

Welcome back
from lunch!

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©2012 GE Transportation
September 2012

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GE /

Know your audience…

Raise your hand if…
• You/your employer are already offering a CDHP
• You/your employer are considering a CDHP
• You/your employer have already decided to
NOT offer a CDHP

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September 2012

We’ll cover…
• GE’s benefits and wellness strategy
• Health plan design
• Employee support & tools
• HealthAhead - GE’s Culture of Health and
Wellness
• Impact on productivity and health care costs
• References
• Questions?

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September 2012

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GE /

GE Overview

Transportation Healthcare Aviation

Energy Home & Business Solutions Capital

~600,000 lives across U.S., $2.5B spend

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September 2012

• Northwestern Pennsylvania’s largest
y g
employer, directly supporting 1-in-11
Erie Co. jobs w/ total economic
impact of $2.7B, or a total of $3.6B
across NW PA*

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September 2012
*Tripp Umbach 2010 study (2009 data)

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GE /

GE’s benefits and wellness strategy
A central role for consumers

Plan Design
To
Support
Health

Take an active &
accountable role in planning Patient Tools &
Value- and managing one’s health Treatment
Based and health care Decision
Payment Engage in behaviors for Support
healthy living ...Leverage
workplace initiatives, tools
and support

Demand value (quality,
cost-effective care) from the
system when it’s used

Health Informed
and Decisions –
Wellness Quality &
Cost

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September 2012

It starts with a clear message: Be an active
consumer
You never know when you will need medical
care.
But
B t certain factors are within your control.
t i f t ithi t l
Minimize expenses under GE Health Benefits:
 Use network providers
 Seek care from quality doctors and
hospitals
 Use free-standing diagnostic imaging
centers when possible
 Avoid unnecessary ER visits by using
urgent care centers when available
 Use generic drugs whenever possible
 Get your preventive screenings at no
cost to you ..catch any issues early
 Eat well, exercise, get fit – and stay fit

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September 2012

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GE /

Benefit design supports the message:
GE HealthChoice
Employee Choices
 Financial protection against large
expenses
 Move from fixed co-pays to cost
sharing
 Outreach to high spenders
 Personal health report card
 No cost for preventive care
& screenings
 Incentives
• Non-smokers pay less
• Free smoking cessation
program and NRTs
• Lower costs for generic drugs
 “Bankable” savings (spending
account) with debit card Contemporary design... drives active
consumers, promotes health & wellness, provides choice

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September 2012

Personalized support: Health Coach from
GE
80% brand
A free confidential and voluntary resource recognition and
loyalty
for plan members
• Staffed by registered nurses
• Connects you to high quality doctors
• Helps you determine if you should use the ER or an urgent care center
• Arms you with the right questions to ask your doctor
• Helps you understand information about your condition
and treatment options
• Links you to Lifestyle Coaching to help you live healthier

Phone 866-XXX-XXXX Available 24/7 for
urgent after-hours care questions and options

Visit Health Answers via Web or cell phone to learn
more, including email capabilities

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September 2012

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GE /

Expert Medical Opinion (EMO) Program

Second opinion through Cleveland Clinic, 20% of time
which is confidential and voluntary patient gets
wrong Dx or Tx

 GE pays the entire cost
 Health Coach will help you collect and
submit the required medical records
 Commonly used for the following services:
– Back Surgery
– Hip Replacement
p p
– Cancer Treatment
– Heart Surgery

*
www.ge.com/healthahead Select “Health Care Decisions”

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September 2012

Treatment Cost Calculator
New! Mobile
Built by GE and Thomson Reuters Application
October 2011
• Guide to treatment costs, not a
substitute for medical advice, (via
member on-line or Health Coach
telephonically January 1, 2012)
• Estimates derived using confidential
claims data from GE and other
employers
• Types of services:
– Office visits, Radiology, Outpatient
Surgeries, Inpatient Hospital,
Ancillary Services (e.g., lab tests,
immunizations) )
• Cost Information integrated with
Quality Data
Available at:
• Health Tips (e.g., cost savings www.treatmentcostcalculator.com/ge
advice)

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September 2012

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GE /

CVS/Caremark Savings
Center
New and Improved - Developed For GE 40,000
opportunities
in 2010-11
 Confidential and proactive
messaging tailored to the
user
 Refill, check order status,
locate pharmacy, cost
savings opportunities

 Search for lower-cost
medications and delivery options

 Ask a Pharmacist

 Available via mobile app and
toll-free service number
www.caremark.com

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September 2012

Health Answers: Making it easy
Allows access from home computer,
cell phone or worksite

 Find after hours care

 Look up drug prices

 Step by step instructions on how to find
In-network providers

 E-mail Health Coach for
routine questions... secure response
within 24 – 48 hours

 Feature allows user to Drag &
Drop icon to personal computer
www.ge.com/healthahead
Select Health Care Decisions

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September 2012

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GE /

Wellness support tools
Wellness support tools offered as part of company-wide health
wellness initiative, Health Ahead
Confidential and voluntary online resources
available at no cost to GE Health Benefits
members through Optum Health

o Health Risk Questionnaire (HRQ)
• Variety of medical and
lifestyle questions
• Takes about 15 minutes to
complete
• Overall wellness score and
recommendations
o Personal Health Record
• Track Health: BP, cholesterol, weight, etc.
, , g ,
• Reminders: medical appointments,
prescription refills, etc. www.ge.com/healthahead Select “Health Care Decisions”

o Other Health Support Programs

o Tobacco cessation and free NRT

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September 2012

Improving value through payment

Payment is a key lever to ‘bend cost curve’
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September 2012

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GE /

Creating a culture of health

HealthAhead is about creating a Lifestyle
culture of health for employees
p y Cultivate healthier lives
together with the tools,
tools
and their families – partnership programs and a work
culture that enable us to
between GE and our employees achieve and maintain
wellness
for stronger, healthier individuals
and a stronger GE
Leadership
Leading by example to
Through HealthAhead, GE inspire and achieve a
offers employees and their healthier workplace,
healthier families and
families the tools & programs communities S a ed
Shared
Responsibility
that will help them live healthier Working together to make
lives and make smarter choices smart choices about health
and managing costs to
about healthcare ensure quality care for the
continued health of GE’s
community

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September 2012

HealthAhead structure

Steering
Committee
GE Vice Chairman
Senior Business Op Leaders

Business Ownership
Senior Business Op Leaders
with Medical, HR, Legal, Finance,
Communications

Site Leader and Wellness Committee/
HealthAhead Champion/Volunteer team
- Charter - Events, communication,
engagement
- Goals & objectives - Inclusion of families, community
- Op Rhythm
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September 2012

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GE /

Our approach
Create Healthier Work Sites
Goal
• Site certification: Modeled after safe
worksites s
• Global sites > 100 EEs
• Healthy and engaged
Engage & Help employees globally
• Decrease health-related
• Lifestyle Programs (e.g. on-site, virtual)
absence
• Platform & tools (e.g. digital)
• Strive to limit the annual
increase of healthcare
Benefits (U.S.)
costs in the U.S.
• New benefit design
• Salaried: 2010
• Production: 2012

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September 2012

Site certification program
9 Elements, 50+ metrics

Leadership & Education & Healthy Nutrition
Wellness Committee Prevention Labeling, subsidized
Power players, goals, healthy food (>20%), NO
Education, prevention
budgets,
budgets family programs
programs, unhealthy food at GE
programs, screening meetings
voice of customer rates

Tobacco Physical Activity Stress
Tobacco free campuses, Subsidized fitness options Education, management
cessation aid (>50%) training

Health Risk Health Related
Medical & Safety
Questionnaire Absence Safe work environment,
HRQ promotion and use Increase productivity, medical scorecard
reduce absenteeism,
annual improvement

Launched Jan ‘10: 400+ sites certified 20 /
September 2012

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GE /

Global Wellness: Engagement
 Portal launch… July ‘11
• Localized content for 12 countries,
6 languages… continuing to add
• >200k unique visitors, 94 countries

 Small Changes
g
• 25,000 commitments, 50 countries
• Won Interactive Media Award,
Nominated for WEBBY
• Refreshed for 2012

 Hi-touch
• Global HRQ clinic coaching
• Personal Trainer Program
• Stress Free Now

 3rd Annual HealthAhead Day
• Go for the Gold, plus optional
Breakfast of Champions, Olympic
Village

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September 2012

Global Productivity
US: integrated disability program
Absence (U.S.)
GE DBC Days/100 EE  9 years of negative
515 (9)% 468 trend
• Short term
• Work comp
 Beat industry
• Long term +200 FTE’s benchmarks: EMPAQ
at work
• Dis pension  2011 CDMS Quality
Award
15,000 claims
75,000
checks '08 '12

Global Opportunity
• Utilize payroll data
• Develop baselines in 14 countries
p
• Partner w/ regions to drive improvement…
− Benefit design
− Absence reporting practices
− etc.
Focus on employee absence over time yields
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significant results ©2012 GE Transportation
September 2012

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GE /

CDHP Implementation Impact on Cost

Roll Out 2010 2011 2012
Salaried Year 1 Year 2 Year 3
Production Year 1

Prepare for “Rush/Hush”, then “Snap-back”

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September 2012

GE benefits and wellness strategy

Plan Design
To
Support
Health

Take an active &
accountable role in planning Patient Tools &
Value- and managing one’s health Treatment
Based and health care Decision
Payment Support
Engage in behaviors for
healthy living ...Leverage
workplace initiatives, tools
and support

Demand value (quality,
cost-effective care) from the
system when it’s used
HealthAhead: Informed
I f d
A Culture of Decisions –
Health Quality &
Cost

24 /
September 2012

12 /
GE /

We’ll cover…
• GE’s benefits and wellness strategy
• Health plan design
• Employee support & tools
• HealthAhead - GE’s Culture of Health and
Wellness
• Impact on productivity and health care costs
• References
• Questions?

25 /
September 2012

References:
1. Johnson AD et al; Committee on Child Health Financing. Pediatrics. 2007;119(3):622–626.
2. Consumer-directed health care. Aetna Web site.
https://www1.aetna.com/about/aoti/aetna_perspective/consumerdirectedhealthcare.html. Accessed May 24,
2012.
3. Aetna HealthFund Q&A. Aetna Web site. www.aetna.com/news/kits/healthfund_qa.html. Accessed March
19, 2012.
4. Arkansas Center for Health Improvement. Tax-favored (consumer-driven) health plans. Issue Brief. January
2011.
2011
5. Consumer-driven health plans: reducing health care costs for everyone. PRIME Web site.
primeinc.org/casestudies/employer/study/804/Consumer-
Driven_Health_Plans:_Reducing_Health_Care_Costs_for_Everyone. Accessed May 21, 2012.
6. Tax-favored (consumer-driven) health plans. Issue Brief. Arkansas Center for Health Improvement Web site.
achi.net/HCR%20Docs/101207%20Health%20Savings%20Accts-FINAL.pdf. Published January 2011.
Accessed May 21, 2012.
7. Cigna. CDHP study shows how Americans can reduce their health care costs without compromising care.
Cigna Web site. newsroom.cigna.com/article_display.cfm?article_id=1259. Accessed May 21, 2012.
8. Communicating consumer-driven health care to employees and their families. National Business Group on
Health Web site. businessgrouphealth.org/pdfs/cdhealthcare_children/section5.pdf. Accessed May 21,
2012.
9. Charlton ME et al. Am J Manag Care. 2011;17(1):79–86.
10. Parente ST et al. Health Serv Res. 2004;39(4 pt II):1189–1210.
11. Fronstin P. EBRI Issue Brief. 2010;352:1–44.
12. Final report of the working group on health care security consumer-directed health care arrangements. US
Department of Labor Web site. dol.gov/ebsa/publications/AC_1107a03_report.html. Accessed May 21, 2012.

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Thank you to Merck, Inc. for related literature/materials listings ©2012 GE Transportation
September 2012

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GE /

Questions?

mark.kresse@ge.com

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September 2012

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GE /

GE Health Benefits and Wellness Strategy Overview

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