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A Winning Approach to Wellness
HEALTHCHECK360.COM Direct Phone: 563.587.5415
Presented By: Roy Lines, CFP®, CRPS®
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HEALTHCHECK360° IS RESULTS DRIVEN
• Identified key flaws in the wellness marketplace – Poor participation levels – Failure to effectively communicate financial incentives and program objectives – Poor access and high costs in geographically dispersed populations – No accountability or effective behavior change models – Failure to motivate healthy employees to maintain health – Failure to motivate at risk employees to manage and/or maintain health – Carrier programs dominated marketplace – Lack of integrated data-driven tools for engagement – Actionable data was not transparent or accessible – Failure to motivate the C-Suite resulting in no strategic plan and no accountability
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WHY WE ARE DIFFERENT
• Objective biometric collection process – Identify & measure health risks
• remove subjective predispositions from self-reported HRA
• Superior scoring algorithm – Translate lab values into an easy to understand health score
• correlated to established benchmarks that are highly predictive of health costs
• Flexible and effective incentive management – Motivate participation with flexible design that evolves with program
• Reward progress not perfection while maintaining HIPAA & ACA compliance
• Mitigate known and unknown health risks – Multimedia engagement programs driven by individual biometric data – Reportable health coaching
• Claims integrated client specific reporting – Manage to maximize results
• Participation analysis, Engagement levels, Risk migration, Claims analysis impact
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200
400
600
800
1000
1200
1400
1600
1800
Ideal Low Moderate High Very High
Health Risk Score Migration
Year 1 Year 2 Year 3 Year 4
THE HEALTHCHECK360° SYSTEM WORKS!
HealthCheck360 Population Study, N=19,301, 2012.
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53% Increase 25% Decrease 37% Decrease
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CLIENT SPECIFIC REPORTING
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* If applicable
• Individual Report • Executive & Aggregate Report • Claims analysis* • Health Coaching Reporting* • Risk Migration Analysis • Critical Value Reporting • Executive Review Presentation
– Provides synopsis of various reports – Identifies key issues – Compares company data to industry cohorts
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PROPRIETARY OBJECTIVE SCORING SYSTEM
• Our scoring algorithm is directly correlated to present and future cost drivers
• Balanced across all major cost drivers
• Transparent to participant
• Designed to reward positive change across health spectrum
• Designed to integrate with medical management
• Easily understood 0-100 scale
• Developed and reviewed by physicians
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AN INNOVATIVE SCORING MODEL
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• Marketplace – Difficult to understand
(negative to positive) – Rely on some measure of self
reported information – Incentive structure is fixed – Easy to administer – Complicates Reasonable
alternative process
• HealthCheck360 – 0-100 similar to education
system – No self reported information – Incentive structure can evolve
with success – Easy to administer – Simplifies Reasonable
Alternative Process
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ALGORITHM IS HIGHLY CORRELATED TO CLAIM COSTS
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$3,474.83
$3,980.86
$4,460.83
$5,417.24
y = 2978.7e0.1446x R² = 0.987
$3,000.00
$3,500.00
$4,000.00
$4,500.00
$5,000.00
$5,500.00
$6,000.00
Ideal (85+) Low Risk (71-84) Moderate Risk (61-70) High Risk (<=60)
Allo
wed
Cla
ims
(Ann
ual)
HC360 Health Risk Level (Score)
Health Score Correlation to Claims
HC360 Client Population Study, N=10262, 2012.
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HIGH CORRELATION TO WORKERS COMPENSATION COSTS
$366.25
$703.24
$771.36
$952.22
y = 314.75e0.2959x R² = 0.8591
$250.00
$350.00
$450.00
$550.00
$650.00
$750.00
$850.00
$950.00
$1,050.00
$1,150.00
Ideal Risk Low Risk Moderate Risk High Risk
Average WC Cost by Health Level
Avg WC Expon. (Avg WC)
Figure 1 2000 EE manufacturing and distribution company – Significant correlation in high health risk levels and workers compensation expense.
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HIGH CORRELATION OF BMI TO CLAIMS COST
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$3,445.88
$3,601.02
$4,183.42
$5,249.77
$6,356.69
y = 2748.2e0.1602x R² = 0.9554
$2,500.00
$3,000.00
$3,500.00
$4,000.00
$4,500.00
$5,000.00
$5,500.00
$6,000.00
$6,500.00
$7,000.00
Ideal (18.5-24.9) Low Risk (25-29.9) Moderate Risk (30.0-34.9)
High Risk (35.0-39.9) Very High Risk (40+)
Allo
wed
Cla
ims (
Annu
al)
BMI Risk Level
BMI Correlation to Claims
HC360 Sample Population Study, N=10,262 2012
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PERFECT CORRELATION OF GLUCOSE TO CLAIMS
$3,730.05
$5,265.33
$7,406.44
y = 2648.6e0.343x R² = 1
$2,000.00
$3,000.00
$4,000.00
$5,000.00
$6,000.00
$7,000.00
$8,000.00
Ideal (<100) Moderate Risk (100-125) Very High Risk (>=126)
Allo
wed
Cla
ims (
Annu
al)
Glucose Risk Level
Glucose Correlation to Claims
HC360 Sample Population Study, N=10,262 2012
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BASELINE AGE VS. HC360 PARTICIPANTS
R² = 0.9662
R² = 0.8815
66
68
70
72
74
76
78
80
82
84
20 25 30 35 40 45 50 55 60 65
HR
A T
otal
Sco
re
Age
HC360 Repeat Participants vs Baseline
Baseline HC360 Participants
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HC360 Sample Population Study, Baseline N = 38,000 2012
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CONTINUED POSITIVE IMPACT
R² = 0.9663
R² = 0.9326
R² = 0.8504 R² = 0.6612
65
70
75
80
85
90
20 25 30 35 40 45 50 55 60 65
HR
A T
otal
Sco
re
Age
Age vs. Total Score
1-Year Participants
2-Year Participants
3-Year Participants
4-Year Participants
Power (1-Year Participants)
Power (2-Year Participants)
Power (3-Year Participants)
Power (4-Year Participants)
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HC360 Sample Population Study, Baseline N = 38,000 2012
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YEAR 1 TO YEAR 3 MIGRATION
0
500
1000
1500
2000
2500
3000
Ideal Low Moderate High Very High
Health Risk Score Migration
Year 1 Year 2 Year 3
HealthCheck360 Population Study, N=19,301, 2012.
32% Increase 21% Decrease 33% Decrease
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1000
1200
1400
1600
1800
Ideal Low Moderate High Very High
Health Risk Score Migration
Year 1 Year 2 Year 3 Year 4
IT WORKS!
HealthCheck360 Population Study, N=19,301, 2012.
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53% Increase 25% Decrease 37% Decrease
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FINANCIAL SERVICES CASE STUDY
Analysis on Impact of HealthCheck360° Program on Geographically Dispersed Financial Services Firm
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HEALTHCHECK360° CASE STUDY
• HealthCheck360° studied our total population and industry specific client to forecast potential impact of wellness initiative
• ABC Company - Financial services company – 1200 EE across 6 states – 100+ locations – 55% Female – Below average age
• Applied core HealthCheck360°, program management, and targeted health coaching
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COST IMPACT
$4,000
$4,500
$5,000
$5,500
$6,000
$6,500
$7,000
$7,500
$8,000
$8,500
Non-participant 1 Year 2 Years 3 Years
$8,132
$6,202
$5,838 $5,493
ABC Company Paid Medical Claims by Participation in HC360 Program
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N=1132, 2009-2012
32.5% reduction in claims from non-participants. 12.4% reduction in claims from 1st to 3rd year of the program.
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Your dedicated go to consultant for all support and service needs
Consult on effective incentives, scheduling, and processes Customized implementation guide and timeline 8-10 week pre-event employee communication plan Biometric screening coordinator
Data and analytic report liaison
DEDICATED ACCOUNT MANAGEMENT
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IMPLEMENTATION PROCESS
We will provide & manage written service timeline for:
• Intake process • Training your team • Employee Communication period • Screenings & Assessments • Coaching & Programming • Monthly events & communications
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HEALTHCHECK360° MANAGES COMPLIANCE
• HealthCheck360 provides: – Incentive Consulting & Reporting – HIPAA Compliance – Reasonable alternative management – Recommended language for SPD
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HEALTHCHECK360° CONTACT
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For a meeting, webinar or plan proposal call or email:
Roy C. Lines, CFP®, CRPS® Sales Executive
Office 563.587.5415 | Cell 563.599.2844 | Fax: 563.587.6602
www.HealthCheck360.com | [email protected]
HealthCheck360° 800 Main Street | PO Box 1475 | Dubuque, IA 52004-1475