how to get a zero health care cost trend
TRANSCRIPT
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How to Get a Zero Health Care Cost Trend
Steven Aldana, Ph.DCEO WellSteps
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Medical Costs per Person per Year
1960 1970 1980 1990 2000 2010 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023$0
$1,500
$3,000
$4,500
$6,000
$7,500
$9,000
$10,500
$12,000
$13,500
$15,000
$147 $356 $1,112
$2,851
$4,884
$8,411 $9,163
$9,597 $9,982
Kaiser Family Foundation
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Medical Costs per Person per Year
1960 1970 1980 1990 2000 2010 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023$0
$1,500
$3,000
$4,500
$6,000
$7,500
$9,000
$10,500
$12,000
$13,500
$15,000
$147 $356 $1,112
$2,851
$4,884
$8,411 $9,163
$9,597 $9,982 $10,448
$10,942 $11,504
$12,132 $12,808
$13,488 $14,204
$14,944
Predicted
Kaiser Family Foundation
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Zero Health Care Cost Trend
2009 2010 2011 2012 2013 2014$0
$5,000,000
$10,000,000
$15,000,000
$20,000,000
$25,000,000
$11,590,407$12,386,288
$13,603,419 $13,308,112$12,273,168
$11,390,481
Zero Health Care Cost Trend
Preventive Medicine, 2015 (in review)
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468
101214161820
1960
1965
1970
1975
1980
1985
1990
1995
2000
2005
2010
2015
Today 18% of GDP
Percent of GDP Going to Health Care
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U.S. Health Care as a Percentage of the GDP
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U.S. Health Care as a Percentage of the GDP
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U.S. Health Care as a Percentage of the GDP
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January 10, 2223 Doctor Day in American
0%
20%
40%
60%
80%
100%
120%
1960 2010 2035 2060 2085 2110 2135 2160 2185 2210 2235
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Health Insurance Premiums, Earnings and Inflation, 1999-2012
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 20120%
20%
40%
60%
80%
100%
120%
140%
160%
180%
200%
8%
24%38%
11%
29%
47%
38%
109%
172%
http://kff.org/health-costs/slide/cumulative-increases-in-health-insurance-premiums-workers-contributions-to-premiums-inflation-and-workers-earnings-1999-2012/
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The Problem
• Health care costs have and will continue to increase.• They will increase faster than salaries or inflation.• Employers and employees carrier the burden.• What can be done to slow the cost increases?• What can wellness do?
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Drivers of Health Care Costs
• Unhealthy behaviors• Salary and drug costs• Expensive technologies• Fragmented care• Lack of cost consideration• Fee for service• High admin costs• End-of-life care• Provider consolidation
http://web1.millercenter.org/commissions/healthcare/HealthcareCommission-Report.pdf
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Cost Reduction Strategies
Drop insurance-cost shiftChange carriersNegotiate ratesSelf insureHigh deductible plansOnsite clinicsDisease managementWellness
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Cost Drivers• Unhealthy behaviors• Salary and drug costs• Expensive technologies• Fragmented care• Lack of cost consideration• Fee for service• High admin costs• End-of-life care• Provider consolidation
• Drop insurance-cost shift• Change carriers• Negotiate rates• Self insure• High deductible plans• Onsite clinics• Disease management• Wellness
Cost Reduction Strategies
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• Unhealthy behaviors• Salary and drug costs• Expensive technologies• Fragmented care• Lack of cost consideration• Fee for service• High admin costs• End-of-life care• Provider consolidation
• Drop insurance-cost shift• Change carriers• Negotiate rates• Self insure• High deductible plans• Onsite clinics• Disease management• Wellness
Cost DriversCost Reduction
Strategies
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Health Care Cost Control
https://www.wellsteps.com/infographics
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Claims 75%
Pool Charge 5% Base Admin 11% Risk Charge
3%
commission 3%Contribution to
Profit or Re-serves 2%
Ancillary ben-efits 1%
Where Your Insurance Premium Goes
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Pool Charge
How much of the Carrier’s PoolExperience is used?
How much of the Group’s
Experience is used?
400
200
100
2
300
# of employees
10% / 90%25 employees
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How much of the Carrier’s PoolExperience is used?
How much of the Group’s
Experience is used?
400
200
100
2
300
# of employees
40% / 60%90 employees
Pool Charge
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How much of the Carrier’s PoolExperience is used?
How much of the Group’s
Experience is used?
400
200
100
2
300
# of employees
80% / 20%250 employees
Pool Charge
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How much of the Carrier’s PoolExperience is used?
How much of the Group’s
Experience is used?
400
200
100
2
# of employees
95% / 5%380 employees
300
Pool Charge
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Claims 75%
Pool Charge 5% Base Admin 11% Risk Charge
3%
Commission 3%Contribution to
Profit or Re-serves 2%
Ancillary ben-efits 1%
Where Your Insurance Premium Goes
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Loss Ratio
10%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
80%Claims
20% Admin 80% loss ratio
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How to Get Zero Trend
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Salt Lake County Wellness Program
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013$200
$300
$400
$500
$600
$700
$800
Participants Non Participants
Ave
rage
Cos
t Per
Cla
im
J Public Health Manag Pract. 2011 May-Jun;17(3):225-32
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Bend the Trend, Not a Zero Trend
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013$200
$300
$400
$500
$600
$700
$800
Participants
Ave
rage
Cos
t Per
Cla
im
J Public Health Manag Pract. 2011 May-Jun;17(3):225-32
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Program Cost Program Savings ROI
$1,456,788($919,542 for
incentives)
$4,841,898 $3,385,110
Cost Benefit Ratio of 3.32
J Public Health Manag Pract. 2011 May-Jun;17(3):225-32
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• Self funded• Wellness program started in 2004• Included biometric screening• Small campaigns• 41% participation• Significant incentive program
J Public Health Manag Pract. 2011 May-Jun;17(3):225-32
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Salt Lake County Wellness Program
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013$200
$300
$400
$500
$600
$700
$800
Participants
Ave
rage
Cos
t Per
Cla
im
J Public Health Manag Pract. 2011 May-Jun;17(3):225-32
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Health CareCosts
Unhealthybehaviors
Healthrisks
Chronicdisease
Participation
Zero Trend Wellness Model
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Health Assessment
Campaigns
Culture Change
Rewards Activity Tracker
Screening Reminder
Incentives
Health Coaching
Biometric screening
WellSteps Guide
Wearables
Comprehensive Wellness Programming
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Communication Drives Participation
text messages
CEO letter
announcements
kick-off meetingposters
company calendar
push notifications
postcards
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Technology
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Unhealthybehaviors
Participation
Zero Trend Wellness Model
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Changes in Health Behavior
Baseline
Year 1
Year 2
<2 days of exercise/week 1.46 days 2.29 days 2.47 days (+69%)
<60 minutes/week 18.79 min 113.20 min 134.71 min (+617%)
<3 daily servings fruits/veggies 2.46 servings 3.48 servings 3.63 servings (+47%)
<3 days of restful sleep/week 2.23 days 3.17 days 3.36 days (+51%)
Smokers (days per week)
4.35 days 5.43 days 4.27 days (-1.6%)
Alcohol Use (drinks/day) 1.31 drinks 1.16 drinks 1.10 drinks (-16%)
American Journal of Health Behavior, Volume 39, Number 3, May 2015, pp. 345-351(7)
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Risk Migration
Baseline
Follow-up
High risk Medium risk Low risk
High risk Medium risk Low risk
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Risk Migration
Baseline
Follow-up
High risk Medium risk Low risk
High risk Medium risk Low risk
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Risk Migration
Baseline
Follow-up
High risk Medium risk Low risk
High risk Medium risk Low risk
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Exercise Days per Week
Baseline (n) Year 2 (n) Change (%) Exercise (days/wk) ≤2 days/wk 3-4 days/wk 5 or more days/wk
502845526
American Journal of Health Behavior, Volume 39, Number 3, May 2015, pp. 345-351(7)
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Exercise Days per Week
Baseline (n) Year 2 (n) Change (%) Exercise (days/wk) ≤2 days/wk 3-4 days/wk 5 or more days/wk
502845526
390912571
-2289
American Journal of Health Behavior, Volume 39, Number 3, May 2015, pp. 345-351(7)
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Unhealthybehaviors
Healthrisks
Participation
Zero Trend Wellness Model
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Systolic Blood Pressure
120-140 >140110
115
120
125
130
135
140
145
150
155
129
148.7
131.5
143
baselineyear 1
Popul Health Manag. 2013
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Systolic Blood Pressure Risk Migration
N Decreased Score
%
MH Trend Chi-square P
value
Rate Ratio
95% CI
Normal (<120) 906 19.1 < 0.0001 1.00 Reference
Pre hyperten. (120-139) 1086 37.9 2.00 1.72-2.32
High (140-159) 322 62.7 3.35 2.81-3.99
Dangerous (≥160) 38 73.7 3.84 2.89-5.09
J Occup Environ Med. 2014 Jun;56(6):639-44
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Diastolic Blood Pressure
>8075
77
79
81
83
85
87 86.2
80.3
baselineyear 1
Popul Health Manag. 2013
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Cholesterol
200-240 >240200
210
220
230
240
250
260
270
217
261.5
215
247.5
baselineyear 1
Popul Health Manag. 2013
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Glucose
>100100
102
104
106
108
110
112
114
116
118116
105
baselineyear 1
Popul Health Manag. 2013
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<25 25-30 >3020
22
24
26
28
30
32
34
36
22.2
27.2
35.2
22.6
27.5
34.9baseline
year 1
Body Mass Index
Popul Health Manag. 2013
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1970 1980 1990 2000 2010 20200
1020304050607080
USA
England
Canada
Austria
France
Korea
Brazil
Percent Overweight or Obese
W.H.O. 2013
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More Published Results
Group of Small Businesses 12 monthsJOEM August 2013 - Volume 55 - Issue 8 - p 895–900
Mid-Sized Business 12 monthsJOEM Volume 53, Number 9, September 2011
Mid-Sized Business Two-Year Follow-upPopul Health Manag. 2012 Oct;15(5):261-6
Large Organization Biometric Risk reductionJOEM Volume 56, Number 6, June 2014
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Unhealthybehaviors
Healthrisks
Chronicdisease
Participation
Where is the Chronic Disease Prevention Data?
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Health CareCosts
Unhealthybehaviors
Healthrisks
Chronicdisease
Participation
Zero Trend Wellness Model
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School District Wellness ROI Research
Preventive Medicine, 2015 (in review)
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Data Reviewed:
• 7 years of claims data• Personal Health Assessment data• Biometric screening data• Employee eligibility data• Wellness program participation data
Preventive Medicine, 2015 (in review)
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The Research Process
• Legal permissions, HIPPA compliance, decryption• Data cleaning, outliners, merging, range checking• SAS coding (6,000 lines of code)• Define participation, group creation• Adjust data for medical inflation• Set study parameters• Control for confounders: age, sex, baseline differences• Calculate ROI, program costs
Preventive Medicine, 2015 (in review)
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Predicted vs Actual Health Care Costs
2009 2010 2011 2012 2013 2014$0
$5,000,000
$10,000,000
$15,000,000
$20,000,000
$25,000,000
WellStepsBegins
Predicted
Actual
Predicted values from:http://kff.org/interactive/premiums-and-worker-contributions/
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Actual Health Care Costs for Wellness Participants and Non participants
Baseline 2012 2013 2014$0
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$3,308$3,805
$3,280 $3,330$3,414
$5,839$6,177
$3,875
Participants Non participants
WellStepsBegins
Preventive Medicine, 2015 (in review)
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Stop Loss Premium Amount per Employee Per Month
Preventive Medicine, 2015 (in review)
2012 2013 2014$20.20
$20.30
$20.40
$20.50
$20.60
$20.70
$20.80
$20.90
$21.00
$21.10
$21.00 $21.00
$20.50
Stop Loss Premiums
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Limitations
• Not a randomized clinical trial• Control for outliners• Historical effects• Regression to the mean• Changes to benefits
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Incentive PlanYear Must complete: Incentive
2011-2012 PHABiometric screening
$20 lower office copay$700 deductible reduced to $350
2012-2013 PHABiometric screening
$20 lower office copay$700 deductible reduced to $350$40/month premium discount
2013-2014 PHABiometric screeningWellSteps campaign or approved alternate activity
$20 lower office copay$700 deductible reduced to $350 $40/month premium discount
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Employees Filing ≥ 1 Claims per Year
2012 2013 20140%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%91% 91% 90%
67%76%
69%
Participants Non participants
Preventive Medicine, 2015 (in review)
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$5,025,138
-the total cost savings from participation in the wellness program over the three year period
Preventive Medicine, 2015 (in review)
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ROI Calculations (3 years combined)
Costs Savings$0
$1,000,000
$2,000,000
$3,000,000
$4,000,000
$5,000,000
$6,000,000
IncentivesSalaryScreeningWellSteps
$1,412,736
$5,025,138
Preventive Medicine, 2015 (in review)
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ROI
Savings ($5,025,138) Costs ($1,412,736)
Benefit to Cost ratio of 3.6
=
Preventive Medicine, 2015 (in review)
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Health CareCosts
Unhealthybehaviors
Healthrisks
Chronicdisease
Participation
Zero Trend Wellness Model
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Health Assessment
Campaigns
Culture Change
Rewards Activity Tracker
Screening Reminder
Incentives
Health Coaching
Biometric screening
WellSteps Guide
Wearables
Comprehensive Wellness Programming
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Zero Health Care Cost Trend
2009 2010 2011 2012 2013 2014$0
$5,000,000
$10,000,000
$15,000,000
$20,000,000
$25,000,000
Zero Health Care Cost Trend
Preventive Medicine, 2015 (in review)
Predicted
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Questions
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Next Webinar...
Answers to Wellness Questions Every Broker Should Know
December 10th, 2015Dr. Troy Adams