welcome clients and friends! wednesday, september 24, 2003
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Welcome Clients and Friends!
Wednesday, September 24, 2003
Update on Healthcare Costs Average increases have been 25-35%
We have seen increases from 9% up to 67%
Contributions to High Health Costs Technology advancements
Prescription drug costs (new drugs, consumer marketing)
Balanced Budget Amendment Act
Utilization increases – due to aging population
Industry regulation
Malpractice crisis
Nursing Shortage
Cross/Highmark Split
PA Bill to Move Back to True Community Rating
Health & Wellness Programs
Why Important?
Did you know?
20% of the population accounts for 80% of the costs in most health care plans.
(Source: Disease Management Association of America)
Did you know?
Over 70% of all these expenses are treatable, they include:
Heart Disease
Type II Diabetes
Lung Cancer
High Blood Pressure
How does my company save money?
Within 5 years of implementing a comprehensive wellness program, returns may be $3 to $8 per dollar invested
(Source: Goetzel, R.Z. (2001). AJHP. Vol. 15, No. 5)
Health & Wellness Program Success Stories
Steelcase, Inc. Conducted a comprehensive wellness program for 8,000
employees and experienced the following outcomes in a five year period:
Employee’s average health claims decreased from $1,155 to $537
Participant’s medical claims were 45% lower than non-participants
Estimated ROI 6:1
Health & Wellness Programs
Highmark Blue Shield
Capital Blue Cross
Health America/Health Assurance
Keystone Health Plan Central
Geisinger Health Plan
HealthPLACE @ Work: Program Model(www.highmarkblueshield.com)
Model: Health Awareness
(All groups)
Health Promotion
(Over 50 Employees)
Features: Targeted Health Education Literature
Phone based and self-help tobacco cessation with $50 incentive
Internet based resources: Online Health Risk Appraisals, Discount Directory, Tools and Calculators
Blues on Call Resources
Efforts to move to the Health Promotion Model
Everything in Health Awareness Model PLUS:
Wellness Committee Training
Personal Wellness Profile and Biometric Screenings
Health Bus
Executive Summary
Individual Summary
Cost: No Cost $35 per employee for NON-Highmark Blue Shield Members, plus cost of program instructors
Capital BlueCrosswww.capbluecross.com
Online Health Information/Health Links/Health Tips
Health Information Kits
Provides detailed information on specific topics (i.e. aging, cancer prevention, nutrition, weight management, etc.)
Smoking Cessation
Discount Health Networks Gym memberships, Weight Watchers, etc.
Preventive Health
Weight Management Programs
Capital BlueCrosswww.capbluecross.com
24 hour Nurse Line Information, questions, education, access to Disease Management
Programs, Health Information Library
Precious Baby Prints Support during pregnancy, birth, and follow up care education,
identify risk factors, etc.
Disease Management Programs Asthma, Coronary Heart Disease, Congestive Heart Failure, Diabetes
Case Management
Keystone Health Plan Centralwww.khpc.com
Preventive Health Programs Women’s Health, Immunization programs to
increase awareness
Maternity Management Programs
Nicotine Cessation
SmartSurgery Detailed information on what to expect before,
during, and after surgery
Wellness Discounts
Keystone Health Plan Centralwww.khpc.com
Keys to Wellness
Disease Management Programs Depression, Diabetes, Asthma, Heart Failure, Chronic
Obstructive Pulmonary Disease
Health Education Programs
HealthLink* Information Line 24 hour, 365 days a year over the phone audio system
providing access to over 1,100 health related topics
HealthAmerica/HealthAssurancewww.healthamerica.cvty.com
Disease Management Programs Diabetes, Heart, Lung, and Respiratory, Cancer, Asthma, Oncology,
Gerontology, Trauma, Transplants
Preventive Health Guidelines
Member’s Choice Programs – Discount Services
The Center for Organ Recovery and Education
Complete and factual information on how the donor program works
Wellness Reminder If members sign up – the member gets email reminders when they need to
receive their wellness tests
HealthAmerica/HealthAssurancewww.healthamerica.cvty.com
About Your Health Educational information on specific illnesses
WebMD Provides wellness and disease information designed to
educate you and help improve your health
Health Education Classes Reimbursement for weight management, smoking cessation, etc.
Living Well Magazine
Pregnancy Program
Geisinger Health Planwww.thehealthplan.com
24 Hour Nurse Line
Disease Management Programs Asthma, Diabetes, Tobacco Cessation, Congestive Heart
Failure, Hypertension, Osteoporosis, Chronic Obstruction Pulmonary Diseases
Accessories Program Discounts on health items and services
New Programs Available
Capital BlueCross and Keystone Health Plan Central
Preauthorization plan for prescription drugs
HRA’s
New Plan – PPO 123
Highmark Blue Shield
HRA’s – BlueAccount
BlueChoice
90/70 or 80/60 – PPO/POS Plan Designs
HealthAmerica/HealthAssurance
HRA – Flex Choice
HMO’s with deductibles and coinsurance available January 2004
How Can Alpha Help?
Call Christine at (717)303-0300 extension 102for more information.
To download a copy of this presentation, please visitwww.alphabenefits.com/seminar