Aon Hewitt Health & Benefits Consulting

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1 Aon Risk Solutions Aon Hewitt Health & Benefits Consulting Better Health. Better Results. Risk. Reinsurance. Human Resources. Empower Results

2 Game-Changing Strategies to Achieve Better Results As population health risks and health care costs continue to rise, and legislative and economic changes alter the benefit landscape, employers need innovative, gamechanging solutions for employee benefits programs. Employers are focused on near-term cost management, which includes active vendor management, effective design and cost-sharing tactics. At the same time, they need to change the longer-term cost curve by addressing employee health risks, behaviors and outcomes; the impact of these on performance; and employees access to high-quality, cost-effective care. Aon Hewitt s Health & Benefits team works with employers to develop and implement customized solutions to achieve a healthy, present, high-performing workforce and improved financial results. Our experts help clients advance a winning plan that drives engagement, promotes accountability and sustained behavior change, helps participants manage health risks and chronic conditions, reduces absenteeism and breaks away from the health care cost trend.

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4 Employer Employee Total Cost 40% $8,000 $5,000 82% Problem Unsustainable Health Care Cost Increases $13,000 52% per employee of out-of-pocket and payroll contributions per year average per employee annually Solution Change Your Approach to Health Benefits Now to Break Away from the Cost Trend Since 2006 Employer Employee Total Cost 40% 82% 52% of out-of-pocket and payroll contributions Since 2006 Employer Employee Total Cost 40% 82% 52% of out-of-pocket and payroll contributions Since 2006 Employer Employee Total Cost 40% 82% 52% of out-of-pocket and payroll contributions In 2012 $8,000 $5,000 $13,000 per employee per year average per employee annually In 2012 $8,000 $5,000 $13,000 per employee per year average per employee annually In 2012 $8,000 $5,000 $13,000 per employee per year average per employee annually

5 Problem Worsening Workforce Health Risks Solution Target Behaviors and Risks that Impact Health Physical Inactivity 8 8 Risks and behavior risks and behaviours Poor Stress Management Excessive Alcohol Consumption Poor Diet Diabetes Drive 15 chronic conditions Coronary Artery Disease Hypertension Back Pain Insufficient Sleep Obesity Lack of Health Screening Cancer Smoking Congestive Heart Failure Poor Standard-of-Care High Cholesterol 100% Accounting for 80% of total costs for all chronic illnesses worldwide 90% 80% 70% 60% 50% Asthma Arthritis Allergies 40% 30% Lung Disease (COPD) Kidney Disease Sinusitis 20% 10% Depression Source: 2010 World Economic Forum 5

6 A Focused Approach to Driving Change Aon Hewitt s Health & Benefits Consulting Practice excels at providing our clients with focused solutions that target and change the most costly health risks and behaviors. Our data-driven approach identifies employee disease prevalence, population risks and savings opportunities. Our clinicians design interventions, assess program success and identify opportunities to improve clinical outcomes. Experienced actuaries devise employee incentive programs that encourage more participation, drive changes in employee behavior and measure the program s return on investment. Aon Hewitt s communications experts deliver leading-edge consumer marketing techniques to engage participants to improve health targeted where it matters most to achieve better results for your organization.

7 Unique Advantages of the Aon Hewitt Health & Benefits Team At Aon Hewitt, we are passionate about health care. Our goal is to help you create and advance a winning health care strategy to achieve a healthy and high-performing workforce for improved financial results. Equally important, we offer you a number of unique advantages in the following areas: A Global Footprint Segment Experience We understand that as markets expand and converge globally, the needs of organizations significantly. That is why we have the world s largest global footprint to meet our clients needs, including more than 60,000 professionals in over 120 countries. We have outstanding talent and a significant client base in both the large and middle markets, serving organizations from 100 to 1,000,000 employees. Industry Depth We have deep industry knowledge that supports an unparalleled range of health care solutions custom tailored for specific industries. Client Lifespan Total Benefits and Rewards We have a range of holistic solutions including talent, communication, global compensation, benefits, administration, executive benefits, retirement and health care programs. We are the only firm with full client lifespan capabilities everything from broking and consulting to benefits administration and a corporate health care exchange for active employees and retirees. 7

8 Comprehensive, Integrated, Innovative Solutions Aon Hewitt s Health & Benefits practice delivers a full spectrum of solutions to help you achieve better health and results for your employees and business. We have the consulting experience and administrative resources to plan, design, execute and deliver your health benefits strategy. Backed by extensive actuarial, medical, clinical and legal expertise as well as influence with global and national carriers we help our clients manage health risks and costs. Our solutions include: Engage Participants Our health engagement and communications experts help our clients understand the consumer health mindset and engage participants to sustain positive changes in behavior. Awareness Analysis of participant health attitudes, motivations, and behaviors Personalized communications campaigns from strategy and branding through implementation Targeted participant health and wellness outreach Action Motivation techniques using incentives and consequences and clearly defined action items Improvement Focused strategies for changing behavior to impact the most prevalent health risks and conditions Promotion of convenient access to services and programs Habit Disciplined approach for long-term changes in behavior Health success extension throughout work culture and community Improve Health and Performance Our health improvement and clinical experts help clients develop and advance a strategy focused on targeting and changing the most costly health risks and improving health outcomes. Physical Work Environment On-site health offerings (i.e., fitness center, clinics, pharmacy) feasibility analysis and recommendations Integration of health activities into daily job functions Results-based stay-at-work, return-to-work, and transitional programs Psychosocial Work Environment Health outcome-based incentives and consequences Incentive or consequence cost-benefit analysis Executive, cultural and workplace health assessment Individual Health Services Health care benefit program development and management Action-oriented strategies for targeted health risks and behaviors Expanded health services across varied channels and media to employees, spouses and families Clinical health management Active management of chronic medical conditions Absence, disability and leave management Health scorecard creation and monitoring

9 Design with Intent We design health care plans that align with clients specific business objectives. We help clients achieve better health and financial results by managing the cost of care and coverage and applying new, leading-edge design approaches. Benefit design and cost of care and coverage from strategy through implementation Health care pricing analysis, modeling and alignment with health actions and outcomes: Pay-based pricing Reference-based pricing Gated plan offerings Consumer-driven plans Pharmacy plans and pricing strategies Value-based design (VBID) Vendor performance, management, integration and compliance Actuarial analysis and plan design support Health reform compliance, legislative review and risk identification Elective or voluntary benefits Group and individual life, disability and health insurance consulting, claims coordination, administration Executive benefits Health care exchanges: corporate, private, state, retiree Reduce Unnecessary Expense We help clients improve health care access, quality, and cost three interdependent components critical to eliminating health and benefits expense. We also help clients get cost information to participants at the point of need to drive smarter choices. Cost of Care and Coverage Annual benefits budget creation and funding analysis Employee contribution impact and analysis Convenient care delivery cost-benefit analysis Avoidable claims cost analysis, claims audit Global payments, bundled payments Quality of Care Centers of excellence and high-performing networks cost-quality review, strategy and implementation Active management of chronic medical conditions Prescription compliance and pharmacy benefit management effectiveness Vendor renewals, selection, requests for proposals, negotiation, management Access to Care Network design On-site health center cost-benefit-use analysis Right-care support, such as second opinions, cost-benefit-use analysis Dependent eligibility verification audits Benefits administration for clients ranging in size from 100 employees to the largest organizations 9

10 Industry-leading Health Intelligence and Risk Assessment We provide industry-leading, integrated data analytics and assessment services to help employers best use all their data to drive decisions for better results across the health management spectrum. We diagnose the underlying cause of a problem, rather than simply managing its symptoms. At Aon we excel at managing risk. Health is no exception. We help employers assess, control and manage health-related risks, such as cost, compliance, workforce health and absence risks. Successful health strategies depend on solid assessments of where you re at today, the anticipated impact of your critical challenges and turning opportunities into improved results. Health plan performance measurement and benchmarking Health care reform compliance assessment, and financial and strategic impact analysis Audit services across medical claims, disability, pharmacy and medical management vendors Purchasing efficiencies, vendor management, measurement and benchmarking Employee health mindset customized survey tools, analysis and segmentation Industry-leading Vendor and Carrier Solutions In addition, clients have access to our expert, leading-edge vendor and carrier selection services and solutions. We provide our clients access to a select strategic network of the highest quality, highest value insurance carriers; a streamlined, consistent, results-focused RFP and renewal process and outcome; and value-added products with enhanced terms and conditions. Medical Centers of Excellence provide these superior vendor and carrier services for medical plan insurance coverage. Structured Portfolio Solutions (SPS) offer a similar model of client service excellence through our industry-leading solutions for non-medical insurance coverage, such as life and disability, elective benefits, stop loss, dental and vision.

11 Proven, World-class Resources and Expertise Our Health & Benefits team of more than 1,000 U.S. health care experts includes specialized actuaries, physicians, clinicians, pharmacists, attorneys and consultants. Globally, our health care experts approach 3,000. Aon Hewitt s award-winning Communications, and Health and Welfare administration teams with over 4,500 colleagues support our consultants in delivering a comprehensive array of global and U.S. health solutions to clients. At Aon, our health expertise, resources and experience are broad and deep and that translates to significant advantage and excellence for our clients. Our portfolio of more than 5,000 U.S Health & Benefits consulting clients nearly 10,000 in total, globally includes large and mid-market employers in both the public and private sector, across industries. Aon Hewitt also serves 300 health and welfare administration clients. The Aon Client Promise The Aon Client Promise is a 10-point program developed to create distinct value based on a deep understanding of each client s business and risk issues. In addition, a consistent methodology for delivering value and service ensures that all of our clients receive the best, most customized risk advice and brokerage services in the industry, regardless of their location, industry or market segment. Key elements of the Aon Client Promise: Global, unified approach Full transparency around how we create and deliver solutions to clients Customized Client Promise Plans based on each client s needs and priorities Accountability through the Aon Client Promise Assessment and measurable Scorecard via Aon Client Promise Review 11

12 To Learn More Aon Hewitt professionals can provide today s employers with the experience, tools and broad-based industry expertise required to develop results-based, cost-effective solutions for health care benefits. Contact the following representatives to learn more about our innovative solutions and tools, and find out how we can partner with your organization to develop and activate a strategy to meet your near-term and long-term business goals. Contact Maria Harshbarger U.S. Mid-market Leader Senior Vice President, Health & Benefits Craig Dolezal U.S. Large Market Leader, Senior Vice President, Health & Benefits Aon plc, All rights reserved. The information contained herein and the statements expressed are of a general nature and are not intended to address the circumstances of any particular individual or entity. Although we endeavor to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate professional advice after a thorough examination of the particular situation HB00001

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