US Wellness Chamber of Commerce proposal for employers nationwide

1. Proposal For The Chamber’s Complimentary
Wellness, Prevention, & Risk Management Program
6136 Frisco Square Blvd., Suite 400, Frisco, Texas 75034
: 800-429-4556 : 214-291-5845 : tmontgomery@uswellnesschamber.org : www.uswellnesschamber.org

2. Wellness Program Proposal
To Whom It May Concern:
Thank you for the opportunity to offer a proposal for implementing a wellness, prevention, and risk management
program designed to reduce your insurance costs, increase productivity, decrease absenteeism, and illustrate to your
employees that your organization cares about their health and wellbeing.
Based upon my limited understanding of your goals, budget, and timeline, I am submitting this generic Proposal for our
complimentary Wellness Program for your consideration. As a Member of the US Wellness Chamber, your
organization receives the Wellness Program at no cost. As you’ll reference on the next page, there are additional
programs and services available for voluntary participation by your employees or can be employer funded. With that
said, please recognize that we can easily modify this proposal to specifically meet your needs upon a brief
conversation.
BACKGROUND:
The United States Wellness Chamber of Commerce is a non-profit organization formed to assist employers to create a
healthier workforce regardless of their budget. Employers join the Chamber for a nominal fee and have access to a
variety of resources and benefits including a Complimentary Wellness Program for their employees. Grants are
available for employers without the ability to pay for Chamber Membership so financial constraints will never be a
barrier to working together!
The US Wellness Chamber’s approach to employee health is unique as we look at each employee holistically
recognizing the three components of wellness—physical, emotional, and (financial/legal) preparedness. Furthermore,
our model is based around a high-touch approach whereby a Certified Health Coach is closely involved with the
education and health improvement activities of each and every employee—not just the high risk employees as with
other wellness and disease management programs.
The Chamber’s wellness program is equally applicable to small, single location employers with as few as 2 employees
as it is to large, multi-site companies with hundreds or thousands of employees. As a contributor to the Healthy People
2010 national initiative created by the Healthy People Consortium—an alliance of more than 350 national membership
organizations and 250 State health, mental health, substance abuse, and environmental agencies—the Chamber is an
ideal partner for any employer to proactively assist their employees and their dependents in reducing harmful risk
factors leading to premature disease, chronic conditions, and death.
Our Mission
The Mission of the US Wellness Chamber of Commerce is to improve the health of communities, nationally,
by promoting wellness and uniting employers, health & wellness professionals, individuals/families, and
wellness-related resources.
Key Event Timeline
1999 Started as Holistic HealthNet and offered wellness programming to employers and individuals.
2004 Developed the national standard in Health Coaching training (Certified Health Coach).
2005 Began national educational campaign by conducting seminars and webinars to employers at local
SHRM Chapter meetings and to employee benefit consultants at local/national NAHU events.
2008 Reorganized into a 501(c)(6) non-profit offering a membership-based participation model.
President & CEO Brief Bio
Thomas J. Montgomery frequently educates employers, employee benefit consultants, and health and
wellness professionals on proven strategies to reduce insurance costs through a healthier workforce. He has
held management positions in corporate wellness companies, large physician practices, and in managed
care organizations since entering the healthcare industry in 1990. Additionally, Montgomery was a Senior
Consultant with Deloitte & Touche’s Integrated Health Group advising employers on benefit plan design. His
education includes a Master of Business Administration and a Master of Healthcare Administration.
US Wellness Chamber of Commerce
6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034
Phone: 800-429-4556 • Fax: 214-291-5845
www.USWellnessChamber.org

3. PROPOSAL
Join the US Wellness Chamber of Commerce and use the Chamber’s complimentary wellness program to
improve the health of your workforce while reducing your costs through reduced claims, improved
productivity, and reduced absenteeism. Please recognize there are two levels of programming with the first
being available at no cost to the employer nor employee (via Chamber membership) and the second
positioned as a voluntary benefit with employees paying discounted fees themselves.
What we advise you to do:
Implement the Chamber’s complimentary wellness program for your employees.
Level 1 of the program (no cost via Chamber Membership) includes:
A 30 minute orientation and planning call to identify the goals of the employer and
discuss incentives and communication strategies resulting in an action plan to
accomplish those goals.
A Wellness Launch to kick-off the wellness program to your employees.
• Employees are introduced to their Health Coach.
• Employees attend a presentation facilitated by a Chamber Risk Management
Consultant to review the benefits and features of the wellness program.
• Health risk assessment (HRA) is completed for employees attending the
Launch
• Employees are provided the opportunity to enroll in optional, payroll deducted
programming
HRAs for all employees not attending the Launch and dependents (adults and children
over the age of ten) are available at no cost for completion at the local Health Coach’s
office.
A one-on-one post-HRA consultation (“Health Risk Review”) with a Certified Health
Coach for ALL HRA participants to identify areas of concern and develop initial
strategies for improvement.
Collection of base bio-metrics, i.e., blood pressure, body fat percentage, etc. is
included and collected immediately prior to the Health Risk Review.
Year round employee education based upon an annual wellness calendar:
• Monthly on-site Health Presentations
• Monthly e-newsletters including a monthly health challenge, if employee email
addresses are provided
Assigned Account Manager
• Quarterly on-site Account Management Meetings (optional as requires
reimbursement of travel expenses)
Access to discounted health club memberships, health screens, etc.
Access to discounted, fee-based intervention including one-on-one Health Coaching
and on-site group classes
Aggregate reporting is available at no cost to employers following the Chamber’s Best
Practices (outlined on the next page)
US Wellness Chamber of Commerce
6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034
Phone: 800-429-4556 • Fax: 214-291-5845
www.USWellnessChamber.org

4. Level 2 of the Program is applicable for employees who enroll into one of the fee-based, payroll
deducted, voluntary programs:
Pre-Paid Wellness Program provides employees and spouses with expanded access
to a local Health Coach and hands-on assistance with health improvement including:
• Creation of a personalized Health Improvement Program (HIP)
• Monthly monitoring of progress and assistance with overcoming obstacles
• Initial and on-going bio-metric monitoring
• Coordination with the participant’s Primary Care Physician, if desired
• Referral management to other health and wellness professionals, as needed
• 25% discount on all other Health Coach provided services and programs
• $34.95 per enrolled individual per month (month to month program)
ID Theft Protection & Life Events Legal Program for employees and dependents
• Preventive Legal Services
• Free Will, contract reviews, letters/calls on the client’s behalf and
unlimited access to attorney telephone consults
• Motor Vehicle Legal Services
• Legal assistance with moving violations
• Trial Defense Services
• IRS Audit Legal Services
• 24/7 attorney hotline in case of emergency
• 25% discount on all other services
• Innovative ID Protection Program
• Monitors AND restores
• ~$34.95 per enrolled family per month (month to month program)
Intervention programs including one-on-one health coaching and small group classes.
Your responsibilities under the complimentary Chamber wellness program:
Assist in communicating to employees the availability of the program and its components.
Follow the Chamber’s best practices for program success:
o Offer the wellness program to all relevant employees and provide the Chamber with an
updated census monthly.
o Encourage employees to participate in the Program
Consider a premium differential based upon participation!
Alternatively, positive or negative incentives can be used with little to no cost to the
employer
o Implement the Program
Hold a Wellness Launch to kick off the program successfully
Hold a minimum of 9 of the 12 available Monthly Health Presentations
o Allow the Chamber to offer employees optional, fee-based Program components
Expected Results
A reduction in the number of risk factors for your employee and dependent population.
Increased morale by offering a very visible new benefit that shows that your organization cares
about its employees.
Increased productivity, reduced absenteeism, and improved profitability.
US Wellness Chamber of Commerce
6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034
Phone: 800-429-4556 • Fax: 214-291-5845
www.USWellnessChamber.org

5. Why?
Adults with multiple risk factors are expensive employees in terms of insurance utilization, reduced
productivity, increased absenteeism, etc. In fact, they consume 42% more resources than those
without. Thus, you have a vested interest in reducing those risk factors to improve your profitability.
Approximately 50% of the workforce experiences a problem known to reduce productivity that often
can be successfully addressed through an effective wellness program.
On average, over 50% of each employer’s employees will have three or more risk factors—
categorizing them as high risk.
There is positive relationship between the number of risk factors and the expected “excess costs”
to the employer. Reducing those risk factors is an undeniable strategy to reduce costs.
According the US Government Guidelines (Healthy People 2010), 75% of employers should
implement a comprehensive wellness program. Do you want to be blacklisted as one of the
minority of employers who isn’t in compliance?
The program was developed with proven principles of changing behavior. We can assist you in
reducing claims costs, increasing productivity, and reducing absenteeism.
Employees will appreciate the new benefit offering that is both visible and well accepted.
Furthermore, the wellness program will touch and positively impact spouses and dependents as
well.
The Program offers a high value, low cost proposition to incorporate a comprehensive wellness
program including all five essential elements for effectiveness—assessment, intervention,
education, access, and account management/reporting.
Upon renewal, you can elect to build the cost of the program into the employees’ share of benefits
resulting in a healthier workforce while not requiring any investment on your behalf.
By using the program, we’ll have the data and utilization reports to negotiate with the underwriter at
renewal for a discounted premium.
The Program is not painful for you or your staff to implement. In fact, we take responsibility for
getting your employees involved!
The Chamber’s wellness program is a better choice than its competitors and carrier-based options
for several reasons:
• more comprehensive as we address all three aspects of wellness;
• more personal with incorporation of local Health Coaches and on-site events monthly;
• consistency in programming regardless of change of carriers or an employee’s enrollment in
health benefits;
• results oriented; and
• available to be offered WITHOUT any employer investment (with Chamber Membership).
2009 Monthly Wellness Calendar Topics
January 2009: Weight Management
February 2009: Heart Health
March 2009: Eating For Health
April 2009: Cancer Prevention
May 2009: Better Sleep
June 2009: Personal Finance
July 2009: Happiness
August 2009: Healthy Aging
September 2009: Fruit & Vegetable Month
October 2009: Preventing ID Theft
November 2009: Diabetes Prevention
December 2009: Stress Management
US Wellness Chamber of Commerce
6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034
Phone: 800-429-4556 • Fax: 214-291-5845
www.USWellnessChamber.org

6. Risk Drives Cost!
www.uswellnesschamber.org
What’s The Cost Of An Unhealthy
Workforce?—Impact On Medical &
Drug Costs
www.uswellnesschamber.org
US Wellness Chamber of Commerce
6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034
Phone: 800-429-4556 • Fax: 214-291-5845
www.USWellnessChamber.org

7. Again, we appreciate your consideration and are very pleased to be able to provide such innovative and proactive
solutions to assist you in improving the health of your workforce resulting in lower insurance costs, higher productivity,
and lower absenteeism.
Thank you for your consideration and I look forward to your decision on this very important opportunity.
Sincerely,
Thomas J. Montgomery, MHA, MBA, CHC
President & CEO
US Wellness Chamber of Commerce
6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034
Phone: 800-429-4556 • Fax: 214-291-5845
www.USWellnessChamber.org

8. WOULD YOU BENEFIT FROM A HEALTHIER WORKFORCE?
Reduced Insurance Costs ⋅ Improved Productivity ⋅ Reduced Absenteeism
Is your benefit plan design proactive or reactive?
Use this Comparison Grid to evaluate if your current plan design measures up.
Free
Program
For Our
Members _______ _______ _______
Monthly Employer
Investment PEPM
High value without a significant employer $0.00* $____ $____ $____
investment!
Health Risk Assessment
Provided for all employees and spouses
with clinically obtained bio-metric data for
greater validity.
Customized Implementation
Through a consultative Orientation Call, a
customized incentive, communication, and
We help employers implementation plan will be developed
reduce risk. specific to your workforce and needs.
A benefit plan should be Intervention
designed to reduce the Free face to face Health Risk Review (HRR)
with a Health Coach for all employees and
behavioral and lifestyle
spouses who take the HRA.
risk factors that fuel
claims, absenteeism, and On-Site Programming
loss of productivity. Structured, year round, monthly on-site
Wellness Workshops on relevant topics at
no charge .
Membership in the US
Wellness Chamber of Concierge Health Coach
Commerce provides Contact your personal Health Coach for
employers with a advice and guidance on everyday issues as
comprehensive yet simple well as important decisions without getting
to implement program a bill!
that employees Health Fair
appreciate. A Health Fair/Wellness Launch serves as a
kick-off event where employees meet their
To learn more, contact local Health Coach, learn about the
Thomas Montgomery @ confidential program, and access voluntary
(800) 429-4556 or via empowerment programming.
email at tmontgomery@ Holistic Approach To Wellness
uswellnesschamber.org . Addressing all three components of
wellness and prevention: physical,
mental/emotional, and preparedness.
Preparedness Resources
Employees have access to a voluntary,
payroll deducted, ID Theft & Life Events
Legal Plan.
Guaranteed ROI
Only the US Wellness Chamber offers
employers a ROI Guarantee of at least
$1:$1 after just one year.
* $495 annual Chamber Aggregate Reporting
membership fee per Clients receive powerful aggregate HRA
employer location. information to understand the health of
their workforce and track improvement.
Let’s visit about how a well designed benefit plan can reduce your claims,
increase productivity, and reduce absenteeism.

9. Important and Timely...
WEBINAR INVITATION
Reducing insurance cost, increasing productivity, and decreasing
absenteeism through wellness, prevention and risk management
programming.
Concise 15 Minute, On-Line, Interactive
Presentation With Q&A Afterwards
LEARNING OBJECTIVES:
* benefit plan design--is yours reactive or does it proactively reduce the risks that drive
claims, lost productivity, and absenteeism?
* understand the importance of the three components of employee wellness: physical,
mental/emotional, and financial/legal preparedness--and why it costs YOU if you aren’t
addressing all three
* develop an understanding of the benefits of US Wellness Chamber membership
* become familiar with the three reasons why most wellness programs fail
WHO SHOULD ATTEND?: SPEAKER INFORMATION:
Decision makers, regardless of Thomas J. Montgomery, MHA, MBA, CHC, President &
employer size, responsible for CEO of the United States Wellness Chamber of Commerce,
has assisted hundreds of employers nationally implement
their organization’s benefit plan
wellness, prevention, and risk management programs as
design or cost reduction strategies. part of an innovative benefit plan design.
TIME & DATE: Mr. Montgomery frequently educates employers, insurance
We’ll schedule a webinar at a professionals, and health and wellness professionals on
convenient date and time for you! community-based, practical strategies to improve the overall
health of the an employee population with little to no cost
to the employer.
RSVP:
Please call us at @ 800-429-4556 to He holds a Master of Health Administration Degree from
schedule a webinar or to discuss if the prestigious University of Minnesota’s School of Public
the US Wellness Chamber can be of Health and both a Master and Bachelor Degree in
benefit to your organization. Business Administration.
6136 Frisco Square Blvd., Suite 400, Frisco, Texas 75034
: 800-429-4556 : 214-291-5845 : tmontgomery@uswellnesschamber.org : www.uswellnesschamber.org