cigna incentive programs fully integrated. expertly designed. real results

CIGNA INCENTIVE PROGRAMS

Fully integrated. Expertly designed. Real results.

2Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2013 Cigna

REALITY CHECK

1 tobaccofreeflorida.com/english/facts/know2 medicinenet.com/script/main/art.asp?articlekey=804303 Cigna/Yankelovich U.S. Consumer Survey, 2008

Behaviorchange can besuccessful andsustainable with the rightmotivation.

the goodnews:.

8

attempts smokers make before quitting1

Changingbehavior takes time

13% don’t even try to change an unhealthy behavior3

People arereluctant to take the first step

41% lose weight and gain back more after one year2

Relapse is common


CHANGE BEHAVIORS FOR BETTER HEALTH AND SAVINGS

1. Dr. Raphael Ray Levey, Chairman, Global Medical Forum Foundation 20052. Cardiovascular Event Average Monthly Cost: Milliman’s review of MedStat MarketScanTM Commercial Data 2004 Trended to 2006. 3. “An Unhealthy America: Economic Burden of Chronic Disease” – 2010 Hypertension direct/indirect costs PPPY. www.milkeninstitute.org

PHYSICAL INACTIVITYService manager quits smoking, starts walking and avoids a stroke > Save $5,176/month2

CHRONIC CONDITIONHead of finance avoids chronic high blood pressure through exercise, nutrition and stress management > Save $1,116/year3

POOR NUTRITIONTen people in sales department lose 25 lbs. and bring weight into a healthy range

> Save $5,760/year2

http://www.milkeninstitute.org/


ACTIONS EMPLOYERS SHOULD TAKE

KEYS TO SUCCESS FOR BEHAVIOR CHANGE

CHANGE UNHEALTHY BEHAVIORS FOR GOOD

Incentive Design

Know Your Audience

Motivate them withmeaningfulrewards.

Link rewards to activities that support people in achieving their unique health goals.

Connect with people where they are and when it’s convenient for them. And do it often.

Culture of Health

Make Rewards Easy To Earn

Communicate Often

Incentive Design

Know Your Audience

Cigna Engagement

Best Practices


INCENTIVES DRIVE BETTER HEALTH ENGAGEMENT AND SAVINGS

1. 15th Annual National Business Health Group/Towers Watson Employer Survey on Purchasing Value in Healthcare, "Predicted participation rates in wellness activities by company incentives, standards, culture and communication tactics.", Page 8, Figure 11.

2. 2011 Cigna Study – Results for Your Health First (Chronic Condition Coaching Program), along with aggressive incentive program, e.g., premium reduction offered upon engagement. Savings vary based on population health risks.

Health AdvocacyPrograms

Incentives RESULTS+ =

save up to

for every

invested

for high risk, chronic populations2

$1$2

higher employeeengagement1 in: • health assessments• biometric screenings• health coaching when combined with $350 incentive

2-4x


TOTAL INTEGRATION – HOW INCENTIVES WORK

Our health advocates and service agents have a 360° view into what incentives customers are eligible for, so we can encourage, educate and support them at every touch point.

SERVICEONLINE

PRODUCT

Customers have access to an online dashboard that allows them to track available incentives and those that have been earned along with status of reward processing.

1Cigna Health Advocacy Programs• Chronic Condition Support • Lifestyle Management Programs

(Weight, Stress, Tobacco Cessation) • Healthy Pregnancies, Healthy Babies®

We offer a breadth of incentive activities to drive engagement in health advocacy programs.1


BEST PRACTICE ENGAGEMENT RESULTS

Our incentive programs are working, and we have the numbers to prove it. Cigna best practice clients have achieved “high engagement” in the following programs.1

1. Cigna Analysis 2011 - Incentives Book of Business.1.15th Annual National Business Group on Health/Towers Watson Employee Survey on Purchasing Value in Health Care.

0 10 20 30 40 50 60 70 80 90 100

Health Assessment

Biometric Screening

Coaching By Phone

Online Coaching

% engagement

Industry2 Cigna best practice

58–83%

48–100%50

50

10–20%

11

11

23–40%


Up and Coming Digital Engagement and My Health Dashboard Capabilities


Zensey Digital Engagement Platform OverviewUses Engagement Technology to Improve Health

Gamified health assessment

Easy and fun questions used to create a customized engagement plan

Online goals and challenges

Individual and group actions that can be tracked with a device

Social networkingModerated community which shares health improvement tips

Health education

Latest news and articles on health improvement

Rewards

Earn coins that can be redeemed for merchandise



Health Dashboard

Health at a Glance

BMI, Blood Pressure, and Cholesterol readings

Coaching Appointments

Appointment Date, Coaching Topic, and Coach’s Name & Bio

Health Reminders

Gaps in Care and Preventive Care Which Need to be Addressed

Path to Wellness

Actions Customer & Coach set –along with progress made

Single Web Page helps Customers Understand their Health and What to do About it

"Cigna" is a registered service mark, and the "Tree of Life" logo and “GO YOU” are service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company, Cigna Health and Life Insurance Company, and HMO or service company subsidiaries of Cigna Health Corporation and Cigna Dental Health, Inc. All models are used for illustrative purposes only.

858326 12/12 © 2013 Cigna. Some content provided under license.

cigna incentive programs fully integrated. expertly designed. real results

Documents

unpublished property

cigna keys

cigna change behaviors

cigna study results

cigna incentive programsfully

cigna total integration

cigna reality check

population health risks