This document outlines a presentation by Jim Wachtel on HealthCheck360°, a wellness program. It discusses the program's key features including using biometric screenings to objectively measure health risks, a clear scoring model, portability across carriers, meaningful incentives, support for behavior change through tools like health coaching, and measuring results. Data shows the program helps identify hidden health issues, motivates participants to improve health, and is associated with reduced medical costs and claims over time.

1. Presented By:
Jim Wachtel
National Sales Director
Jim.wachtel@healthcheck360.com
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2. Agenda
 Introduction
 HC360° Background & Related Experience
 Overview of HealthCheck360°
 HealthCheck360° Data and Analytics
 Next Steps
 Conclusion
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3. HealthCheck360° Six Key Features
1. Outcome-based, objective biometrics to detect risk
2. Objective and clear scoring model
3. Portable and carrier independent
4. Meaningful incentives (Substantial, Understandable)
5. Support for positive behavior change (Health
Coaching, Engagement Tools, Educational Resources)
6. Measured results and analysis
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4. Key Feature #1 – Outcome Based
Objective measurement is key to success
 Set baseline
 Track trends
 Real information, not a guess
Importance of on-site venipuncture biometric screening
 Accuracy and flexibility of full panel results
 Objective data points to measure over time
 Participants don’t “know their numbers”
 Biometrics determine follow up programming
 Uncover hidden risks
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5. 2011 HC360° Screening Events
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6. Standard Blood Panel
Our process:
– Participant goes through a short
on-site wellness exam
– Around a week later, a brief
online questionnaire is
completed
– Tailored participant report is
automatically generated with a
score based solely on biometrics
Online
Questionnaire
Immediate
Participant
Reporting
Onsite wellness
Screening
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7. Key Feature #2 – Clear, Objective Scoring
 Easy to understand
scoring drives
engagement and
participation
 Scored model translates
risks into compliant
measurement model
 Long term measurement
tool
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8. Easy to Understand Reporting
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9. Carrier Programs: Risk awareness
– Carrier, not the client, owns the data
– Don’t share proactive risk data with risk bearer
– Customization/ Flexibility
“Being Carrier Independent allows
your program to stay consistent
over time”
Key Feature #3 – Portable Information
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10. Key Feature #4 – Meaningful Incentives
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11. Incentives – Multiple Purposes
Participation Health Outcomes
Target:
80% to 100%
participation
Rewards go to those
who have less risks OR
are making progress in
reducing risks
Engagement
As necessary to
build momentum,
support change
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Incentives
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12. Proprietary & Confidential
Cost Neutral Implementation
• Year 1: Increase contribution rates by $40 company wide
for singles and $80 for a family, then offer $40/$80
discount for participating
• Year 2: Upon retesting, offer discount for:
– maintaining high level of health
– improving health (5 points)
– Compliance with physician’s care
HealthCheck360° Pays for Itself
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13. Incentive Value and Participation
• Results for completion of
Health Risk Assessments
show a direct correlation
between incentive value
and participation
• Incentives reward those
who make healthy
lifestyle choices
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0%
20%
40%
60%
80%
100%
$0 $100 $200 $400 $600 $800 $1000
Incentive (Annual Cash Value)
Enrollment
Percentage

14. HIPAA Compliance
Wellness Program conditions and rewards MUST comply with
HIPAA Wellness Program Regulations:
1. Limit on Reward
2. Reasonably Designed To Promote Good Health or
Prevent Disease
3. Annual Opportunity to Qualify For Reward
4. Reasonable Alternative Standard
5. Disclosure Required
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15. Key Feature #5 – Support Behavior Change
Personal Intervention Population/Social Programming
Communication campaign
• Marketing to drive participation
• Ensure understanding of available programs
• Effectively communicate incentives
Education Campaign
• Monthly Newsletter
• Twitter tip of the day
• Lunch n Learns
Activity Programming
• Weight loss challenges
• Pedometer programs
• Point based initiatives
Push/ Pull Targeted
Communications
• Focus on personal risk factors
• Reward positive change
Coaching/ Medical Management
• Health Coaching
• Disease Management
• Case Management
Online Health Portal
• Health/Wellness content
• Activity/ Nutrition Tracking tools
• Program management
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16. HealthCheck360° Coaching
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Health Coaching
Flexible choices and coaching models based on client needs
Unlimited incoming calls
All coaches have bachelor’s degrees and are trained in health and wellness
subjects
Full program integration with referral to other care management programs like
DM and CM
All calls are annotated and tracked for reporting
• Referrals
• Goals Set/Achieved
• Stage of Change
• Notes

17. MyHealthCheck360.com
 Calorie and Activity
Tracking Tools
 Interactive Portal for
communication and
support from Health
Coaches
 Employer program and
challenge tracking tools
(weight loss, activity,
etc.)
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MyHealthCheck360.com
includes:

18. Program Management
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myHealthCheck360.com gives your
wellness team the ability to plan,
track, and manage programs and
design:
•Weight loss contests
•Activity programming
•Pedometer programs
•Sleep, nicotine, and other options
HealthCheck360° has developed
employee communication plans to
support these initiatives.

19. What Influenced You To Improve Your Health?
21%
48%
56%
63%
73%
91%
0% 20% 40% 60% 80% 100%
Co-worker inspired change
Illness of friend/family
Spouse was improving health
Taking online HRA
Want to pay lower insurance
premiums
Receiving Biometric data
Somewhat agree, Agree and Strongly Agree
Biometrics and
premium incentives
are much more
influential than
online HRA or
personal events in
influencing decision
to improve health.
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N = 6,000

20. Attitudes towards HC360° Program
34%
67%
80%
89%
92%
92%
0% 20% 40% 60% 80% 100%
Alerted me to medical condition I
wasn't aware of*
Articles I received motivated me to
improve health
Premium Incentive motivated me to
improve my health
Report helped me understand where
to change
Provided valuable insight into my
health
Program made it more likely for me to
improve health
Somewhat Agree, Agree and Strongly Agree
* Using Agree/Disagree scale only
There was very
strong agreement
that the HC360°
program not only
provided good insight
into health, but also
help foster the desire
to improve health.
One-third of
participants found
out about a health
issue that they were
unaware of before
the program.
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N = 6,000

21. Key Feature #6 – Measured Results
Reporting Capabilities
 Individual Report
 Executive & Aggregate Report
 Claims analysis (if applicable)
 Health Coaching Reporting
 Risk Migration Analysis
 Critical Value Reporting
 Executive Review of Findings
Presentation after assessments
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22. You Don’t Know What You Don’t Know
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 have claims with a diagnosis
suggesting diabetes or pre-
diabetes
• 78 have claims with a diagnosis
suggesting hypertension
• 98 individuals have claims with a
diagnosis suggesting being at risk
of a heart attack
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N = 1,750 Mfg Firm

23. Employee Perception of Health
29%
59%
10% 1% 0%
Self reported Status of Health
Great
Good
Average
Below Average
Poor
33%
37%
18%
8%
4%
Biometric Results
Ideal (85+)
Low (71-84)
Moderate (61-70)
High (51-60)
Very High (<=50)
88% of participants self-reported a
good or great health status
70% of participants scored a 71 or
higher (ideal or low level of
risk)
1% of participants self reported a
below average or poor health
status
12% of participants scored a 60 or
below (high or very high risk)
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24. Case Study – Partial Union Environment
• Medical and drug costs have actually decreased on a per employee and per
member basis over the last five years.
• If medical plan costs had increased at rate of 8% per year since 2007-08, ABC
Company premiums would be $7.24 million dollars higher than today. Total
Wellness investment less than $1m in same period.
Plan Year
Plan Costs/Premiums per Covered
Employee
2007-2008 $8,852
2008-2009 $9,054
2009-2010 $8,365
2010-2011 $8,967
2011-2012 $8,823
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25. Case Study – Partial Union Environment
 Of the 612 repeat participants between 2010 and 2011, the overall average health score
increased from 72.6 to 76.6. There was an improvement in health score in almost every
risk category (with the exception of those scoring over 96).
 Overall blood pressure for these same participants decreased, as did the overall cholesterol
levels.
 Of the 40 people who were at extremely high risk for blood pressure in 2010, 30 moved to
be at moderate, low, or ideal categories.
 Of the 173 people with high or very high cholesterol risk, nearly 45% moved to moderate,
low, or ideal categories.
 The number of people with very high glucose levels fell 35%.
Typical Profile of New v. Repeat Participant
Biometric Profile 2011 Score
Avg.
BMI
Avg.
Weight
Avg.
Systolic
Avg.
Diastolic
Avg. Total
Cholesterol
Avg.
Glucose
Nicotine
POS
Repeat Participants 76.6 29.0 192.8 120.4 76.3 192.6 97.8 26%
First Time Participants 67.9 29.9 203.2 124.4 78.3 195.7 101.7 22%
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26. Repeat Participation = Reduced Claims Expense
$5,000.00 $5,500.00 $6,000.00 $6,500.00 $7,000.00 $7,500.00 $8,000.00 $8,500.00
Non-participant/ HRA Only
1 HRA w/ biometrics
2 HRA w/ biometrics
3 HRA w/ biometrics
$8,132.47
$6,202.27
$5,838.68
$5,493.29
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Large Financial Services Firm

27. Medical Trend Claims Analysis
$7,000.00
$7,500.00
$8,000.00
$8,500.00
$9,000.00
$9,500.00
$10,000.00
$10,500.00
$11,000.00
$11,500.00
2006 2007 2008 2009 2010
Cost per employee on plan Average for Industry
Expected Claims
HealthCheck360°
implemented in
2008.
 2007: Client’s trends
increase exponentially
 2008: HC360° Implemented
 2010 actual claims
demonstrated:
– Trend reduced to low single
digits for two straight years
– $959,051 saving from
expected trend
– $1,470,386 savings from
industry average trend
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28. Correlation to Health Score in Population
Average claims per HRA
participant:
 Year 1 – $7,057.57
 Year 2 – $6,023.68
$-
$2,000.00
$4,000.00
$6,000.00
$8,000.00
$10,000.00
$12,000.00
85+ 71-84 61-70 51-60 50 or less
Score Correlation
Linear (2009) Linear (2010)
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N = 1589

29. Biometrics and Medical Expense
$2,316
$2,973
$4,253
$2,000
$2,500
$3,000
$3,500
$4,000
$4,500
Ideal < 100 Moderate 100-125 High 126+
Glucose Level Correlation to Avg.
Claims (medical claims only)
Avg. Claims Linear (Avg. Claims)
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
< 18 18-25 25-29 30-34 35-39 40+
Incurred
Medical
Claims
BMI
BMI Level Correlation to Avg.
Claims (medical claims only)
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Actual Results from HC360° Client Pool

30. Impact of Nicotine Use on Claims
$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
18-29 30-39 40-49 50-59 60+
Nicotine Use Correlation to Avg. Claims
(medical claims only)
NEG POS
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N = 18,000

31. Impact of Health on WC Costs
Total
Total Score Counts Avg WC
<50 150 $875.76
50-59 206 $1,007.89
60-75 561 $771.36
76-85 342 $703.24
86+ 330 $366.25
Total 1,589 $713.09
N = 1,589
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32. Doing Nothing is a Losing Strategy
Year 0
Low Risk (0-2
Health Risks)
27,951
Medium Risk (3-
4 Health Risks)
10,670
High Risk (5+
Health Risks)
4,691
Migration study of 43,312 Individuals Over 3 Years
Source: University of Michigan Health Management Research Center
Year 3
Low Risk (0-2
Health Risks)
26,591
Medium Risk (3-
4 Health Risks)
11,495
High Risk (5+
Health Risks)
5,226
Key Findings
 Risk profile of a population
gets worse over time
 Number of high risk
individuals increased
11.4%
 Number of medium risk
individuals increased 7.7%
 Number of low risk
individuals decreased 4.9%
 Results are a function of
American lifestyle habits
and the realities of age
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33. Excess Risk Equals Excess Cost
Source: University of Michigan Health Management Research Center
Inflation adjusted to 2009: http://www.halfhill.com/inflation.html
Cost Area Low Risk
(N=671)
Medium
Risk
(N=504)
High Risk
(N=396)
Short-Term
Disability
$160 $288 $444
Worker’s
Compensation
$304 $325 $662
Absence $327 $455 $703
Medical &
Pharmacy
$1,544 $1,983 $4,929
Total $2,335 $3,052 $6,738
High Risk
Employees
cost three
times as
much as low
risk
employees!
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34. Our Program
Engage
• Meaningful Incentives
• Effective Communication
Identify
• Biometric Screening - Full
Blood Panel
• Health Risk Assessment
Support
• Coaching for all Participants
• Program Integration
• MyHealthCheck360.com
Educate
• Individual Reporting
• Monthly Newsletter
• Targeted Communications
Measure
• Measure and Evaluate Results
• Executive/ Aggregate Reports
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35. HealthCheck360° Key Features
1. Outcome Based, using objective, biometrics to detect risk
2. Clear-cut scoring and measurement model
3. Carrier Independent
4. Meaningful Incentives (Substantial, Understandable)
5. Full spectrum support for positive behavior change
(Health Coaching, Engagement Tools, Educational
Resources)
6. Measured Results and Analysis
35
Proprietary & Confidential

36. Presented By:
Jim Wachtel
National Sales Director
Jim.wachtel@healthcheck360.com
(563) 289-7360