Educate, Engage & Empower Employees to Achieve Your Financial and Wellness Objectives. July 12, 2011

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1 Educate, Engage & Empower Employees to Achieve Your Financial and Wellness Objectives July 12, 2011

2 To speak with PayFlex today, would you rather have $500 today $500 off your conference fee next year

3 Today s Healthcare Strategies Source: Towers Watson report, Health Care Reform in a Challenging Economy, September 2010

4 Today s Healthcare Strategies Source: 16th Annual Towers Watson/National Business Group on Health, Employer Survey on Purchasing Value in Health Care, 2011

5 Today s Healthcare Strategies Source: 16th Annual Towers Watson/National Business Group on Health, Employer Survey on Purchasing Value in Health Care, 2011

6 Challenges Provide Opportunities What wellness programs and type of incentives will work for my employees? What do I do with the health risk assessment information? What savings vehicle should I use? When should I fund incentives? How do I connect the dots?

7 Next Generation Healthcare ABHP Growth Wellness Engagement Strategy Financial Empowerment

8 The Importance of an Integrated Model Financial Empowerment Decision Support & Education Wellness Engagement Seamless integration for health care consumer

9 Wellness Engagement Strategy Comprehensive Program Design Optimal Participation Outcomes Organizational Commitment Meaningful Incentive Integration

10 Data-Driven Critical Success Factors

11 Critical Success Factors Data-Driven Customization

12 Critical Success Factors Data-Driven Customization Individualized

13 Critical Success Factors Data-Driven Customization Individualized Innovation & Integration

14 Critical Success Factors Data-Driven Customization Individualized Innovation & Integration Outcome & Results - Driven Qualified Completion Rewards & Incentives Participation/Process-Based

15 Critical Success Factors Data-Driven Customization Individualized Innovation & Integration Rewards & Incentives RESULT: Increased engagement and greater likelihood of lifestyle behavior change

16 Incentive & Benefit Design Improvement-Based Incentive for progress towards healthy outcomes Encourages health improvements across entire population Ties meaningful improvements in health status to savings Outcomes/Results-Driven Incentive for reaching certain health milestones Incorporates health outcome achievement Encourages changes in health indicators Qualified Completion Next Step activities build on initial participation Incentive awarded for behavioral completion Increases self-efficacy in ability to complete behavioral goals Participation/Process Based Participants eligible for a prize based on participation Encourages engagement in programming Increases self-efficacy in ability to complete healthy tasks

17 Incentive & Benefit Design Strategy Results-Driven Program Case Study Program Goals Y1: Establish baseline health status via process-driven programming Y2: Prepare for results-driven program via qualified completion activities Y3: Influence health outcomes with premium reductions Year 3 Objectives Engagement Top Health Risks Year 3 Results Engagement in coaching program and health challenges Engagement in health fair to qualify for discount 67% participated in screenings (increased by 23%) 62% participated in HRA (increased by 50%) 58% qualified for results-driven program Average points earned = 57 / 100 Moderate improvements in BMI and male body fat % Significant improvements in female body fat % and total cholesterol

18 Outcomes-Based Program Case Study Positive Trending Outcome Measures Biometric Screening Data in Cohort Group for Y2 vs. Y3 Heart Health: Total Cholesterol Heart Health: Blood Pressure 80% 60% 40% 20% 0% 71% 53% 31% 25% 16% 4% Desirable Borderline High High 60% 50% 40% 30% 20% 10% 0% 52% 46% 28% 26% 22% 18% 6% 2% Normal Pre-Hypertension Hypertension I Hypertension II Diabetes: Non-Fasting Glucose Levels 100% 91% 96% 80% 60% 40% 20% 7% 3% 2% 1% 0% Normal Pre-Diabetes Diabetes 50% 40% 30% 20% 10% 0% Overweight & Obesity: Body Mass Index 41% 37% 32% 30% 30% 27% 1% 1% Underweight Normal Overweight Obese Year Two (2010) Year Three (2011)

19 Outcomes-Based Program Case Study Positive Trending Behavioral Measures Health Risk Assessment Data in Cohort Group for Y1 vs. Y3 70% 60% 50% 40% 30% 20% 10% 0% Nutrition: Daily Fat/Cholesterol 65% 66% 21% 16% 16% 12% 2% 1% Rarely/Never 1-2 Servings 3-4 Servings 5-6 Servings 30% 25% 20% 15% 10% 5% 0% Physical Activity: Light/Moderate 27% 28% 21% 19% 16% 18% 14% 16% 12% 10% 10% 10% None 1 Day 2 Days 3 or 4 Days5 or 6 Days 7 Days Nutrition: Daily Fiber Physical Activity: Vigorous 50% 40% 30% 20% 10% 0% 42% 44% 33% 36% 20% 14% 9% 3% Rarely/Never 1-2 Servings 3-4 Servings 5-6 Servings 40% 30% 20% 10% 0% 25% 18% 22% 23% < 1 Time/Week 1 or 2 Times/Week 25% 25% 27% 34% 3 Times/Week 4 Times/Week Year One (2009) Year Three (2011)

20 Outcomes-Based Program Case Study Positive Trending Outcome Measures Health Risks Year One (2009) Year Two (2010) Year Three (2011) Prevalence in the Population* Body Weight (50%) Physical Activity (28%) Blood Pressure (28%) Top Risk for an Individual** Body Weight (26%) Physical Activity (26%) Smoking (8%) Measure Prevalence in the Population* Body Weight (45%) Blood Pressure (36%) Stress (32%) Top Risk for an Individual** Body Weight (28%) Physical Activity (15%) Blood Pressure (11%) Year One (2009) Result Year Two (2010) Prevalence in the Population* Body Weight (43%) Blood Pressure (28%) Physical Activity (20%) Year Three (2011) % of Population Classified as Low Risk (0-2 Health Risks) 59.0% 56.6% 70.1% Average # of Risks Average Wellness Score Top Risk for an Individual** Body Weight (26%) Zero Risk Management (23%) Physical Activity (16%) *Prevalence in the Population = % of participants who are at risk **Top Risk for an Individual = % of participants who have this as their number one prioritized health risk

21 The Engaged Health Care Consumer Education & Communication How can I build my wellness bank? $ Complete a health assessment $ Get my annual physical $ Participate in wellness challenges $ Start a healthy habit $ Engage with a health coach, dietician $$$$ = immediate results What can I do to improve my health? Company-sponsored wellness & premium incentive programs Multi-media health education & wellness trackers Engaging with a health coach, dietician Which benefit plan is best for me and my family? Cost Coverage Network How will I pay for my out of pocket expenses? Tax-advantaged plans - HSA - FSA - HRA Incentive programs - Contribute to taxadvantage accounts - Premium reduction - Deductible contribution Personal savings