Make the moves that matter. Put your plan for good health in motion

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1 Make the moves that matter Put your pla for good health i motio

2

3 Why Your Employees Health Matters While may factors go ito creatig a successful compay, o compay ca be competitive without healthy, productive employees. Employees who take a proactive approach to their health ca be more productive i the log term, ad have a positive impact o their health care costs, over time. Cosider these facts: Today, 45% of the America populatio has at least oe chroic illess ad this percetage is climbig. 1 Studies show health care costs for a perso with a chroic coditio ca be $3,785 to $38,270 more aually tha for those people without a chroic coditio. 2 Obesity, diabetes, heart disease, asthma ad other chroic coditios cost employers hudreds of billios of dollars aually. 3 Duke Uiversity research revealed that the cost of obesity to employers is $73.1 billio per year. 4 But there s good ews! You ca empower your employees to take a active role i their health, chage their behavior ad live a healthier lifestyle. Ad, by egagig employees i healthy behaviors, you ca sigificatly improve the performace of your workforce ad your compay s bottom lie. Studies have show, whe you have a healthy workforce, you ca: Lower your medical treds by 1.2 percetage poits. 5 Reduce uplaed abseces by 1.8 days per employee. 5 Icrease productivity by 11%. 5 Sigificatly lower turover rates. 6 Providig your employees with a program that offers the right services ad tools to improve their health ot oly helps them get healthy ad stay healthy, it s also good for busiess. 1

4 Pathway to Healthier Livig At CareFirst BlueCross BlueShield or CareFirst BlueChoice, Ic. (collectively, CareFirst), we ll parter with you to build a program that fits the eeds of your uique employee populatio to esure optimal health for all of your employees ot just those who live with a chroic disease or a complex coditio. With our Health + Welless program, we proactively idetify ad classify each of your employees ito oe of five major health strata, based o their potetial health risk. Each employee will receive a Illess Burde Score. We ll use this score to guide your employees ito the programs ad services that best fit their eeds ad get them o a path to better health. CASE IN POINT: Eastma Chemical Compay reduced the health care costs of employees participatig i a welless program by a average of $822 compared to employees who did t participate. I additio to reducig health risks, Eastma measured a retur of $3.20 for every dollar spet o welless. 7 2

5 Here s how our Health + Welless program works: Step 1: Idetificatio ad Assessmet Before we ca begi to effect chage ad get your employees o the path to healthier livig, we ll evaluate each employee s health status. Through a combiatio of Health Assessmet evaluatio, pharmacy ad claims aalysis, biometric screeig ad predictive modelig, we ca determie the level of care ad oversight required for each of your employees. Based o their results, each employeewill fall somewhere o the Illess/Welless Pyramid. Those employees with more serious coditios will fall higher up o the pyramid based o the severity of their situatio. Step 2: Guidace Oce the level of care is determied for each employee, we ll direct them to the appropriate programs ad resources based o where they fall alog the health cotiuum. Sice each employee has a differet set of eeds, CareFirst will recommed customized plas for each member. These plas ca rage from participatio i our olie health coachig program, to disease ad case maagemet programs. Step 3: Ogoig Evaluatio Usig claims data, feedback from the employee s doctor, cliical status chages ad behavioral assessmets, we ll cotiue to moitor each employee s progress to determie if they could beefit from additioal programs ad services. Step 4: Improved Outcomes By coordiatig the appropriate care program, based o the uique health status of each of your employees, our program ca help your employees get healthy, stay healthy ad live the best life possible. With our program, we ll help to reduce your employees health risks, decrease health care costs ad icrease productivity. Illess/Welless Burde (5.00 ad above) Extremely heavy health care users with sigificat costs. Illess/Welless Burde ( ) Heavy users of health care system mostly for oe or more chroic diseases. Illess/Welless Burde ( ) Fairly heavy users of health care system ad at risk for becomig high cost. Illess/Welless Burde ( ) Geerally healthy, with light use of health care services. Illess/Welless Burde (0 0.24) Geerally healthy, ofte ot usig health system. Illess/Welless Pyramid 3

6 Help Employees Take Charge of Their Health Our Health + Welless program ecourages your employees to take a active role i maagig their health. Oce they gai a better uderstadig of their health risks, they ll lear how to address those issues ad make positive, log-term chages that will help them get healthy ad stay healthy i the future. Ad, it all begis with our Health Assessmet. Health Assessmet Our cofidetial questioaire asks employees about their lifestyle choices, icludig utritio, physical activity, ad tobacco use. Employees also record health measuremets such as blood pressure, cholesterol, blood sugar ad body mass idex. After completig the brief survey, employees receive a persoalized report that provides them with a immediate picture of their health status alog with recommedatios for improvig their health. O-Site Health Screeigs Desiged to supplemet the Health Assessmet, the o-site screeig collects simple body measuremets ad a blood sample to bechmark certai lifestyle biometrics. Screeigs ca be coducted at the workplace, or by alterative meas, such as a at-home kit or physicia visit. CASE IN POINT: Duke Uiversity s welless program, focusig o lifestyle behavior chage ad reductio of risk, produced a $1 millio reductio i medical expeses for its most at-risk employee populatio. 7 Health Advisig Depedig o the results of their Health Assessmet, a Health Advisor may cotact your employees by phoe to discuss their health status. Durig the sessio, the Health Advisor will review each health measuremet, discuss the results, how those results compare to the ideal umber, ad ways the employee ca improve their umbers. The Health Advisor will also refer employees to the appropriate resources, tools ad programs based o their curret health status. Telephoic Health Coachig Based o the results of the Health Assessmet, eligible employees will be cotacted by a persoal coach. This coach will create a persoalized pla for employees ad work oe-o-oe with them to moitor their progress, providig guidace ad support as eeded. Employees ca iteract with their coach through a secure Webbased message board ad by phoe. Olie Health Coachig Our cofidetial, Web-based virtual health coach is available to guide your employees toward improvemets i lifestyle maagemet, behavioral health ad selfmaagemet skills for chroic coditios. 4

7 Health + Welless Program Patiet-Cetered Medical Home Disease Maagemet Case Maagemet Utilizatio Maagemet Telephoic Health Coachig Gettig Healthy Dealig with the Uexpected Livig with a Coditio Health Advisig Great Begiigs Employee Assistace Program Stayig Healthy Olie Health Coachig O-Site Health Screeigs Health Assessmet Health Resources: + My Care First + FirstHelp + Optios/Blue365 + Vitality + Health News + Symptom Checker App Patiet-Cetered Medical Home Our Patiet-Cetered Medical Home (PCMH) program promotes higher quality health care, while strivig to cotrol health care costs over time. PCMH was desiged to provide your employees PCP whether a physicia or a urse practitioer with a more complete view of their health eeds, as well as the care they receive from other providers. This eables the PCP to better maage your employees health risks, while ecouragig them to maitai better health ad ultimately produce better outcomes. To see if your orgaizatio is eligible to participate i the program, please cotact your CareFirst Represetative. Disease Maagemet Persoal support ad care coordiatio is offered to employees who have a chroic coditio or disease. Employees with asthma, diabetes, heart failure, coroary artery disease, chroic obstructive pulmoary disease, i additio to more tha a doze other coditios, may participate i the program. They ll work with oe of our registered urses to follow recommeded testig ad exams, uderstad medicatio regimes, ad improve their ability to care for themselves. Case Maagemet For those employees faced with a serious diagosis ad eedig support, our Case Maagers, who are registered urses, will help your employees ad their families coordiate ecessary services. Oce erolled i the program, the Case Maager will coordiate care betwee your employee ad their physicia(s), ad provide support icludig disease specific iformatio, liks to commuity resources ad emotioal couselig. Utilizatio Maagemet Our program helps at-risk employees ad their health care providers to esure employees receive medically appropriate ad cost-effective health care. 5

8 Support for Your Program With our program, you ll have access to the commuicatio tools you eed to help motivate your employees to get healthy ad stay healthy. Simply choose from a variety of templates, icludig a brochure, poster, postcards ad messages. You select the appropriate template to customize ad distribute to your employees. It s that simple! But it does t ed there. With our Workplace Welless program, you ll have ogoig support from your dedicated accout maagemet ad welless support team. They ll work with you to develop a icetive strategy ad guide you through the program implemetatio process. They ll also provide cosultatios, direct you to helpful Web tools ad provide support for a variety of programs such as: O-site health advisig. O-site health coachig services. O-site educatioal semiars. O-site fitess maagemet services. Icetive admiistratio ad fulfillmet. Worksite health screeig offerigs such as flu shots, tetaus, etc. Walkig, weight maagemet, persoal traiig, massage ad other educatioal programs. With our ogoig support, you ll be able to adjust your program if ecessary to achieve optimal results. CASE IN POINT: Johso & Johso s more tha 30-year commitmet to welless has ecouraged betwee 80 90% of the compay s U.S. employees to participate i worksite healthy activities ad has cumulatively saved the compay $250 millio o health care costs durig the past decade. 7 6

9 Reports to Moitor Your Progress To esure your welless program is successful, we ll provide your orgaizatio with quatifiable results. If you have 50 or more participats, we ll provide you with a aggregate report showig the health risks for your total populatio. We ll also cotiue to moitor your employees health risk ad update their Illess Burde Scores. You ll be able to compare your bechmark Illess/Welless Pyramid with oe created after your employees participate i the program. Based o those results, you ll be able to better maage your welless program to achieve optimal results. Take Actio to Improve Health ad Welless The greater the umber of employees who participate, the greater the impact your program will have o employee health ad your bottom lie. With the right tools, educatio ad guidace, all of your employees ca actively improve their health ad live a healthy lifestyle. CASE IN POINT: Piedmot Natural Gas was able to avoid raisig employee ad compay cotributios to medical premiums i 2009 ad 2010, because of the high level of employee egagemet i the compay s welless program. 7 7

10 Tools for Livig Well I additio to the packaged optios, we offer may free olie tools ad services to help your employees make the right moves toward better health. Offers iformatio o more tha 300 topics icludig utritio, fitess, chroic illess ad metal health. The site icludes videos, podcasts ad iteractive tools such as quizzes ad health calculators that are both educatioal ad etertaiig. FirstHelp * Our helplie, available 24 hours a day, 7 days a week, is staffed by registered urses who ca aswer your employees geeral health care questios ad help guide them to the most appropriate care. Employee Assistace Program* Cofidetial couselig ad referral services are available to employees dealig with persoal issues. Services available iclude smokig cessatio, weight maagemet, stress maagemet, fiacial ad legal services. Optios/Blue365 Discout Programs Ejoy discouts o a variety of health ad welless services from fitess club membership, acupucture, massage therapy ad chiropractic care, to hearig care services, laser visio correctio, ad mail *This service is available for a fee. order cotact leses. These discouts are available to all CareFirst members at Great Begiigs Program desiged to supplemet the preatal care ad educatio that employees receive from their doctor throughout their pregacy. Vitality Magazie Our member health magazie icludes advice o utritio, exercise, prevetio, chroic disease maagemet, ad iformatio about importat health issues alog with tips o how to get the most from your health care pla. Health News Our mothly e-ewsletter gives your employees the latest health iformatio to help them ad their families maitai a healthy lifestyle. Symptom Checker App For reliable health iformatio o the go, our applicatio ca be dowloaded to a iphoe, ipod Touch or ipod. Fid out whe to maage symptoms at home, whe to seek medical care, locate the earest hospital ad more! What are you waitig for? Ask your CareFirst Represetative for more iformatio o how your orgaizatio ca beefit from our Health + Welless program. 8

11 SOURCES 1 Kug HC, Hoyert DL, Xu JQ, Murphy SL. Deaths: fial data for Natioal Vital Statistics Reports 2008;56(10). Available from: vsr56_10.pdf 2 Chroic Coditios Equal High Expeditures i Michiga, Ceter for Healthcare Research & Trasformatio, Aug. 3, The Power of Prevetio: Chroic disease the public health challege of the 21st cetury, Natioal Ceter for Chroic Disease Prevetio ad Health Promotio, gov/chroicdisease/pdf/2009-powerof-prevetio.pdf, accessed Nov. 10, Obese Workers Cost More Tha Healthcare, Abseteeism, Duke Uiversity, duke.edu/2010/10/workobese.html, accessed Dec. 17, /2010 North America Report: The Health ad Productivity Advatage, Towers Watso, December /2010 Report: The Health ad Productivity Advatage, Towers Watso, Jue Data provided by Health Fitess a idepedet compay that provides health improvemet maagemet services to CareFirst ad BlueChoice members.

12 From the CareFirst BlueCross BlueShield family of health care plas. CareFirst BlueCross BlueShield is the shared busiess ame of CareFirst of Marylad, Ic. ad Group Hospitalizatio ad Medical Services, Ic. which are idepedet licesees of the Blue Cross ad Blue Shield Associatio. Registered trademark of the Blue Cross ad Blue Shield Associatio. Registered trademark of CareFirst of Marylad, Ic. BRC7300-4S (7/12)

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