Invest in your employees and the long-term health of your company.

Transcription

1 Invest in your employees and the long-term health of your company. SM

2 A company is only as healthy as its employees It s no secret that the foundation of a healthy company relies on the health of its employees. And just as employees may need motivation to improve their work performance, they need motivation to improve their health. Think of Healthy Lifestyles Rewards as an investment in your employees and in the long-term health of your company. A new approach to wellness Since developing healthy habits can be difficult, we ve created a program to make it easier. Healthy Lifestyles Rewards is an incentive-based program that is easy for you to implement and easy for your employees to join. It s about prevention. It s about long-term change. It s about creating a healthier lifestyle. And it s coordinated with your health plan coverage when you select a high deductible health plan, including plans paired with a Health Reimbursement Account (HRA) or plans that are Health Savings Account (HSA) qualified, from the Blue Solutions product portfolios. For our small employers, we have designed Healthy Lifestyles Rewards to help you get the most out of our affordable high deductible plans. When paired with a spending account, our incentive program maximizes your investment in your employees. Here s how it works: Select a high deductible health plan for your employees. In past years, you have passed your premium savings from choosing a high deductible plan on to your employees by funding half of their deductible through an HRA. Now, when you pair Healthy Lifestyles Rewards with a high deductible health plan, including plans paired with a Health Reimbursement Account (HRA) or plans that are Health Savings Account (HSA) qualified, your employees must earn their deductible contribution by engaging in healthy behaviors. The more they participate in the program, the more dollars they earn in their spending account! Healthy Lifestyles Rewards is specifically designed to offer incentives that encourage the right balance of activities, including: health assessments physical fitness preventive screenings education losing weight annual checkups Eligible employees and their families* can work at their own pace and receive HealthPoints as they complete various activities. And the rewards are available for all participants, from those who consider themselves healthy to those who may already have health problems. Points accumulate to an annual maximum. Here are some of the ways your employees can earn points: Sample activities & points Complete a Personal Health Profile at ibxpress.com 50 Participate in nutrition counseling sessions 30 Get a colon cancer screening 25 Visit a primary care physician or OB/GYN 20 Complete two visits with a dentist 20 Get a mammogram 20 Donate blood at a Red Cross blood drive 15 Additional activities are included. * All employees with IBC managed care coverage are eligible. Their covered spouses and children age 18 and older may also participate.

3 On average, employee health care costs fall by $3.27 for every $1 spent on employee wellness programs. Rewards for your company The more your employees and their families participate in Healthy Lifestyles Rewards, the greater your return. In addition to financial returns, there are other tangible benefits that come with a healthier workforce, such as: medical cost savings through improved health and long-term risk reduction; increased employee awareness of your concern for their health; healthier, more positive workforce; greater productivity through reduced absenteeism due to health issues; higher employee morale; more health-conscious employees; greater awareness and use of health plan programs and resources. Health Affairs, February 2010, Vol. 29, No. 2 Among firms offering health benefits and wellness programs, a majority (59 percent) of employers think offering wellness programs is effective in improving the health of the firm s employees. Employer Health Benefits 2010 Annual Survey, The Kaiser Family Foundation and Health Research & Educational Trust.

4 Rewards for your employees With Healthy Lifestyles Rewards, eligible employees and their families have the support and motivation they need to take steps towards a healthier lifestyle. By combining our incentive program with our affordably priced, high deductible health plans, we help you maximize your health care dollars. Just choose your plans, pick your type of spending account (HRA or HSA), and watch the rewards add up! Step1: Sign up. Members register on ibxpress.com and earn HealthPoints for completing the Personal Health Profile. Step 2: Get healthy. Members take healthy actions, at their own pace, and watch their HealthPoints accumulate. Activities that earn points include visiting a primary care physician or OB/GYN; getting a flu shot; completing two visits with a dentist; and donating blood at a Red Cross blood drive. 1Sign Up 2Get Healthy

5 Step 3: Earn rewards. Members rewards are based on your selection. HRA or HSA dollars Members get dollars deposited into their HRA or HSA account for HealthPoints they earn. 3Earn Rewards

6 Greater engagement means greater rewards We want you to be successful. We want to help you create a healthier workforce and manage your health care dollars. Independence Blue Cross will partner with you to ensure a smooth implementation of Healthy Lifestyles Rewards and provide you with the information and tools to promote the program. By choosing Healthy Lifestyles Rewards for your company, you will have access to: reports to track employee participation and point earnings; customer service available online or by phone Monday through Thursday, 9 a.m. to 8 p.m. EST, and Friday, 9 a.m. to 7 p.m. EST. Get the word out Communication is the key to a successful Healthy Lifestyles Rewards program. Get your employees excited about the Healthy Lifestyles Rewards kick-off, and continue to encourage their participation frequently throughout the participation period. Be sure to take advantage of our promotional tools: a customizable marketing campaign complete with posters, flyers, announcement letters, and more available online at: ibx.com/healthy_rewards; a secure website that allows participants to track points and receive up-to-date information on program details.

7 For questions about Healthy Lifestyles Rewards or to find out how your company can get started, contact your independent broker, consultant, or Independence Blue Cross account executive. 7 in 10 American consumers say they would participate in a wellness program if they were given financial incentives, such as a reduced insurance premium or monetary reward. Deloitte 2009 Survey of Health Care Consumers

8 Get Rewards We re here for you every step of the way. Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association (06/12)