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Cost Reduction Without
Employer Investment
Practical strategies to identify and mitigate thebehavioral and lifestyle risk factors of an
unhealthy workforce.
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Clarify Purpose Of Todays Seminar
It is NOT to sell you anything We are a non-profit and operate off grant money so have
nothing to sell you!
Discuss best practices used by employers to
improve the health of their workforce
Become familiar with practical strategies to designand implement an effective program resulting in a
proactive benefit plan design
Clarify that options do exist without any employer
investment
Motivate you to pursue a proactive benefit plandesign regardless of who you elect to work with
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Speaker Background
Licensed Health and Life Agent
Employment History In the healthcare industry since 1993
Worked for a national Third Party Administrator implementing and
managing multiple self-funded benefit programs for some small
and some large, very complex employers.
Worked for a regional PPO network in sales and marketing, and
the analytics involved in the provider recruiting and contractingareas.
Experience
In-depth knowledge of claims utilization, trends, business
practices, and claim payment standards and guidelines used in
eligible healthcare expense determinations.
Developed and implemented many changes and improvements to
benefit programs, analyzing liabilities, and providing cost-savingsolutions within the benefits environment.
Personal
Married with two children (ages 12 and 13).
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Introduction To The Wellness Chamber
Began in 1999
Formed to assist employers in the identification
and mitigation of employees behavioral and
lifestyle risks which drive cost to employer
Work with employers (single and multi-location)
of all sizes and industries nationally including: School districts
Cities/counties
Service organizations
Manufacturers
Distribution and transportation companies
Non-profits
And just about every other type of employer/organization!
Our programming has been implemented by
1,000+ employers
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A Holistic View On Health & Wellness
PhysicalComponent
PhysicalFunctioning
Bodily Pain
General Health
Bio-Metrics
Mental/Emotional
Component
Mental Health
Vitality
Social Functioning
PreparednessComponent
Financial Health
Legal Protection
Three
Components
of Wellness
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Why Wellness Now? Risk Drives Cost!
How much is employee risk costing you in lost
productivity, increased absenteeism, and
excess claims cost?
If you arent measuring it, you cant manage it!
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More Discussion On Risk & Cost
Risk is an accurate predictor of cost even beforeclaims are made
For example, employees with these risks are
predicted to incur the referenced medical/drug
excess costs:
High blood pressure, ~$1,200 of excess costs Sedentary lifestyle, ~$500
Overweight, ~$600
Stress, ~$300
The same can be calculated based upon expected
productivity loss:
Stress, 4% productivity loss
Smoking, 3%
Sedentary lifestyle, 2%
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Six Components OfAn Effective Risk Management
Program
health fairenvironment
health screeningsconducted on-site
WellnessLaunch
state of the art,proprietary tool
employee andspouse included
quickonly ten
minutes tocomplete
Health RiskAssessment
one on oneconsultation forall HRAparticipants todiscuss nextsteps
conducted face to
face w/ localHealth Coach, ifavailable
Health RiskReview
one on onecoaching for highrisk individuals($)
legal/financialresources ($)
Intervention
consistentpromotion oftimely healthtopics throughoutthe year
includes on-siteeducation
MonthlyPresentations,
Flyers &Newsletters
discounts on
wellnessproducts andservices, i.e.,cholesterol andglucose testing($)
Access ToAdditionalResources
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Monthly Wellness Workshops
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Popular Optional Components
Rather than push the cost to employers, employeeshave the option to participate in additional services to
improve their wellness/reduce their risk on a payroll
deducted basis.
Three typical optional components include:
Intervention for physical/mental risks Face to face health coaching
Creation of a Health Improvement Plan using SMART
goals
Monthly meetings to support and hold accountable
Intervention for legal/financial risksAssistance with legal and financial stressors
Expanded Bio-Metrics i.e., Cholesterol, Glucose, etc.
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Typical Logistics OfAn Implementation
An experienced Risk Management Consultantwill have a complimentary consultation with you
to identify goals, incentives, timeline, etc.
Wellness Launch will be held at your location Collection of bio-metrics
~45 minute session to kick-off program, complete HRAs, etc. Includes enrollment of voluntary, payroll deduction options
Multiple sessions can be held to accommodate different
shifts/locations
Receive aggregate report identifying employee
populations risks to create a baselineMonthly Wellness Workshops held on-site
~30 minutes per Workshop
Held at times to prevent loss of work/productivity
Multiple sessions can be held to accommodate different
shifts/locations
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FAQsWhat if my employees arent interested?
Successful programs average 97% employee participationwhen employers follow best practices.
What is the key to get employees engaged in their
health improvement? During the risk identification phase, each employees
readiness for change must be identified for eachpresenting risk factor.
Doesnt my health insurance already do all of
this? Typically not the following:
Paper-based Health Risk Assessments for all employees andspouses regardless if they are on plan or not
On-site collection of bio-metrics without charge
Face-to-face consultations for all employees post-HRA
On-going on-site education sessions
Wellness-based intervention rather than medically-based
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Quiz What is the first step to reduce health insurance claims/cost
and to improve employees health?
Why does face-to-face involvement of a local health coach
make a difference in employee engagement?
Why is it important to incorporate clinically obtained bio-
metrics into the data collection?
Why is on-going education an important part of a successfulprogram?
How much must an employer pay to implement an effective
wellness and risk management program?
How much is your employees risk costing you in predictable
excess costs?
Why would an employer not want to pursue a proactive
approach to risk identification and mitigation if no cost were
involved?
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Contact Information
Sandra J. OConnor, RMC
Regional Vice President
United States Wellness Chamber of CommerceToll Free: 800-429-4556
Mobile: 815-342-4208
www.uswellnesschamber.org