Welcome Clients and Friends!

Wednesday, September 24, 2003

Update on Healthcare Costs Average increases have been 25-35%

We have seen increases from 9% up to 67%

Contributions to High Health Costs Technology advancements

Prescription drug costs (new drugs, consumer marketing)

Balanced Budget Amendment Act

Utilization increases – due to aging population

Industry regulation

Malpractice crisis

Nursing Shortage

Cross/Highmark Split

PA Bill to Move Back to True Community Rating

Health & Wellness Programs

Why Important?

Did you know?

20% of the population accounts for 80% of the costs in most health care plans.

(Source: Disease Management Association of America)

Did you know?

Over 70% of all these expenses are treatable, they include:

Heart Disease

Type II Diabetes

Lung Cancer

High Blood Pressure

How does my company save money?

Within 5 years of implementing a comprehensive wellness program, returns may be $3 to $8 per dollar invested

(Source: Goetzel, R.Z. (2001). AJHP. Vol. 15, No. 5)

Health & Wellness Program Success Stories

Steelcase, Inc. Conducted a comprehensive wellness program for 8,000

employees and experienced the following outcomes in a five year period:

Employee’s average health claims decreased from $1,155 to $537

Participant’s medical claims were 45% lower than non-participants

Estimated ROI 6:1

Health & Wellness Programs

Highmark Blue Shield

Capital Blue Cross

Health America/Health Assurance

Keystone Health Plan Central

Geisinger Health Plan

HealthPLACE @ Work: Program Model(www.highmarkblueshield.com)

Model: Health Awareness

(All groups)

Health Promotion

(Over 50 Employees)

Features: Targeted Health Education Literature

Phone based and self-help tobacco cessation with $50 incentive

Internet based resources: Online Health Risk Appraisals, Discount Directory, Tools and Calculators

Blues on Call Resources

Efforts to move to the Health Promotion Model

Everything in Health Awareness Model PLUS:

Wellness Committee Training

Personal Wellness Profile and Biometric Screenings

Health Bus

Executive Summary

Individual Summary

Cost: No Cost $35 per employee for NON-Highmark Blue Shield Members, plus cost of program instructors

Capital BlueCrosswww.capbluecross.com

Online Health Information/Health Links/Health Tips

Health Information Kits

Provides detailed information on specific topics (i.e. aging, cancer prevention, nutrition, weight management, etc.)

Smoking Cessation

Discount Health Networks Gym memberships, Weight Watchers, etc.

Preventive Health

Weight Management Programs

Capital BlueCrosswww.capbluecross.com

24 hour Nurse Line Information, questions, education, access to Disease Management

Programs, Health Information Library

Precious Baby Prints Support during pregnancy, birth, and follow up care education,

identify risk factors, etc.

Disease Management Programs Asthma, Coronary Heart Disease, Congestive Heart Failure, Diabetes

Case Management

Keystone Health Plan Centralwww.khpc.com

Preventive Health Programs Women’s Health, Immunization programs to

increase awareness

Maternity Management Programs

Nicotine Cessation

SmartSurgery Detailed information on what to expect before,

during, and after surgery

Wellness Discounts

Keystone Health Plan Centralwww.khpc.com

Keys to Wellness

Disease Management Programs Depression, Diabetes, Asthma, Heart Failure, Chronic

Obstructive Pulmonary Disease

Health Education Programs

HealthLink* Information Line 24 hour, 365 days a year over the phone audio system

providing access to over 1,100 health related topics

HealthAmerica/HealthAssurancewww.healthamerica.cvty.com

Disease Management Programs Diabetes, Heart, Lung, and Respiratory, Cancer, Asthma, Oncology,

Gerontology, Trauma, Transplants

Preventive Health Guidelines

Member’s Choice Programs – Discount Services

The Center for Organ Recovery and Education

Complete and factual information on how the donor program works

Wellness Reminder If members sign up – the member gets email reminders when they need to

receive their wellness tests

HealthAmerica/HealthAssurancewww.healthamerica.cvty.com

About Your Health Educational information on specific illnesses

WebMD Provides wellness and disease information designed to

educate you and help improve your health

Health Education Classes Reimbursement for weight management, smoking cessation, etc.

Living Well Magazine

Pregnancy Program

Geisinger Health Planwww.thehealthplan.com

24 Hour Nurse Line

Disease Management Programs Asthma, Diabetes, Tobacco Cessation, Congestive Heart

Failure, Hypertension, Osteoporosis, Chronic Obstruction Pulmonary Diseases

Accessories Program Discounts on health items and services

New Programs Available

Capital BlueCross and Keystone Health Plan Central

Preauthorization plan for prescription drugs

HRA’s

New Plan – PPO 123

Highmark Blue Shield

HRA’s – BlueAccount

BlueChoice

90/70 or 80/60 – PPO/POS Plan Designs

HealthAmerica/HealthAssurance

HRA – Flex Choice

HMO’s with deductibles and coinsurance available January 2004

How Can Alpha Help?

Call Christine at (717)303-0300 extension 102for more information.

To download a copy of this presentation, please visitwww.alphabenefits.com/seminar