roger kirtley, wellness at work conference, june 14, 2010
DESCRIPTION
The Delaware State Chamber of Commerce held its inaugural Wellness at Work Conference on June 14. 2010.TRANSCRIPT
Wellness
Market Overview
$4,247
$9,860
$3,515$1,543
1999 2009
Employer Contribution
Worker Contribution
131% Premium Increase
128% Worker
Contribution Increase
$13,375
Note: The average worker contribution and the average employer contribution may not add to the average total premium due to rounding.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009.
$5,791
Average Health Insurance Premiums 1999-2009
What is Driving the Costs?
Cost Population
80% 10%
90%20%
What is Driving the Costs?
Catastrophic
Chronic
Healthy/At Risk
Cost Population
2%30%
50% 8%
90%20%
Health Risks
• According to the CDC, chronic diseases are the most common and costly of all health problems, but they are also the most preventable. – Four common, health-damaging, but modifiable behaviors -
tobacco use, insufficient physical activity, poor eating habits, and excessive alcohol use - are responsible for much of the illness, disability, and premature death related to chronic diseases.
• We are doing it to ourselves
Health Risks
• For every 100 employees in America– 25 smoke– 17 Binge Drink– 10 have depression– 9 have diabetes– 8 have had a heart attack or stroke
Health Risks
• For every 100 employees in America– 77 Have poor nutritional habits– 68 do not exercise regularly– 59 are overweight or obese– 34 have high cholesterol
Cancer Screenings*
• Cervical cancer screening rate: 79.3%• Colon cancer screening rate: 42.2%• Prostate cancer screening rate: 57.6%• Breast cancer screening rate: 54.9%
– The cost to treat breast cancer:• Early stage: $25,000• Late stage: $125,000
*American Cancer Society
Wellness Options
Answer = Risk Management
Disease Manageme
nt
Wellness
Preventative Benefits
Predictive Modeling
Maternity Manageme
nt
Centers of Excellence
RN Coaching
Wellness Options
• Encourage strong relationship with Internist• Health Risk Assessment• Biometric Screening• Smoking Cessation• Biggest Loser Contest• Financial Incentives
How a company’s approach to health impacts it’s costs
Lyons Companies
• One of the largest independent brokers in the region• Full Service Consulting/Insurance Brokerage for
Property & Casualty and Employee Benefits• Traditional / Alternative Funding / Captive Programs• Partner in Assurex Global
– Represented by 20,000 professionals in over 500 offices around the globe
• Committed to bringing innovative & strategic solutions to the marketplace.
Health Care Reform
Thank You!For more information visitwww.lyonsinsurance.com
Roger D. KirtleyRisk Management Advisor
(302) [email protected]