16a daring to reward biometrics in the public sector€¦ · daring to reward biometrics in the...

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Daring to Reward Biometrics in the Public Sector

Mary Kay RuwetteHuman Resources ManagerCity of DublinDublin, Ohio

16A-1

Who is the City of Dublin?

16A-2

Wellness & Prevention must be inseparably linked to the healthcare plan design.

Employees must be partners in their healthcare coverage and stewards of their own health.

16A-3

Daring to Reward Biometrics in the Public Sector

Benefit Team

Lower Health Care costs

City Council

Best PracticesROI on Wellness

Healthcare costs

Benefit Design

Tie Wellness to BenefitsOffer Incentives

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Best Practice to Next Practice

2 0 0 6 - 2 0 1 0 P P O P L A N

Deductible Co-Insurance Out of Pocket

Sing

le

$0 85/15 $1,750

Fam

ily

$0 85/15 $3,000

Premium contribution= $0

Free On-Site Screenings (optional)

Free Recreation Center Membership

Preventive Care Covered at 100%

Incentives

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HBC PlusChecklist

Health Risk Assessment

Screenings and Forms

Education Credit• 2 classes required

Preventive Care Check-Up

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Health Care Spending—Projections

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Benefits

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Best Practice to Next Practice

I N C E N T I V E SEarn a contribution into a Health

Savings Account Participation ($1,125/$2,250) Health Factors (Biometric

measures) ($150 per person)

Free On-Site Screenings (Mandatory)

Free Recreation Center Membership

Preventive Care Covered at 100%

Deductible Co-Insurance Out ofPocket

Sing

le $2,500 85/15 $4,000

Fam

ily

$5,000 85/15 $8,000

2011 Consumer Driven Health Plan

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Best Practice to Next Practice

2 0 0 6 - 2 0 1 0 P P O P L A N

Deductible Co-Insurance Out of Pocket

Sing

le

$0 85/15 $1,750

Fam

ily

$0 85/15 $3,000

2 0 1 1 H I G H D E D U C T I B L E

Deductible Co-Insurance Out ofPocket

Sing

le

$2,500 85/15 $4,000

Fam

ily

$5,000 85/15 $8,000

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Best Practice to Next Practice

2 0 0 6 – 2 0 1 0 I N C E N T I V E S

Premium contribution= $0

Free On-Site Screenings (optional)

Free Recreation Center Membership

Preventive Care Covered at 100%

Free Health Coaching

HBC “Buck” Program—Earn “bucks” to pay for programs at Rec Center

2 0 1 1 I N C E N T I V E S

Earn a contribution into a Health Savings Account

Participation ($1,125/$2,250)

Health Factors (Biometric measures) ($150 per person)

Free On-Site Screenings (Mandatory)

Free Recreation Center Membership

Preventive Care Covered at 100%

Free Health Coaching

HBC “Buck” Program

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Health measuresTobacco Free

Weight (BMI/waist)

Cholesterol

Blood pressure

Health Factor

HBC Target Ideal Measure*

Tobacco Use

Tobacco free 1 year No use

Weight(BMI/waist)

BMI <=25 Or

Waist 35 (F) or 40 (M)

BMI <=25

Cholesterol(Total/LDL)

<=200 mg/dl

OrLDL < 100

< 200 Total Cholesterol

Blood Pressure <140/90 <120/90

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2011-2013 City of Dublin Consumer Driven Health Plan(Example for Single Coverage)

Plan Participation Requirements Contribution to HSA $ Contribution to HSA %

Completion of Health Risk AppraisalPreventive Care ExamEducation CoursesScreenings

$1,125 45%

Health Measures

BMI/Waist $150 51%

Cholesterol $150 67%

Blood Pressure $150 63%

Tobacco Free $150 69%

Deductible: $2,500

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2011-2013 City of Dublin Consumer Driven Health Plan(Example for Family Coverage)

Plan Participation Requirements Contribution to HSA $ Contribution to HSA %

Completion of Health Risk AppraisalPreventive Care ExamEducation CoursesScreenings

$2,250 45%

Health Measures per employee & per spouse

BMI/Waist $150 51%

Cholesterol $150 67%

Blood Pressure $150 63%

Tobacco Free $150 69%

Deductible: $5,000

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Re-Testing Incentives

Rewarding Progress

•Twice a Year

• Earn a Partial Contribution

• Progress toward Health Factors

Health measures

Weight (BMI/waist)

Cholesterol

Blood pressure

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Daring to Reward Biometrics in the Public Sector

Biometrics

Education

Union Buy-In

City Council Buy-In

Communication

Legal

Medical Experts

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Wellness Programs

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Health Care Spending

0

1000000

2000000

3000000

4000000

5000000

6000000

2010 2011 2012

Projected Cost

Actual Cost

4,860,000

$4,448,419$4,214,4825,248,000

5,668,700

4,065,347

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Claims Cost PEPY

$7,500

$8,000

$8,500

$9,000

$9,500

$10,000

$10,500

$11,000

Total Cost

2010

2011

2012

Benefits

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Risk Status: Low, Medium and High

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

2008 2009 2010 2011 2012

High Risk

Medium Risk

Low Risk

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Next Practices—2014 & Beyond

Increase BMI Reward

Alternative Standard—Progress

Tobacco Surcharge

Dental Incentive

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Questions?

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