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A Winning Approach to Wellness

HEALTHCHECK360.COM Direct Phone: 563.587.5415

Presented By: Roy Lines, CFP®, CRPS®

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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0

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

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

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.

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

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

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

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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0

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

IT WORKS!

HealthCheck360 Population Study, N=19,301, 2012.

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53% Increase 25% Decrease 37% Decrease

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

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

wrap document

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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 | Roy.Lines@HealthCheck360.com

HealthCheck360° 800 Main Street | PO Box 1475 | Dubuque, IA 52004-1475