16a daring to reward biometrics in the public sector€¦ · daring to reward biometrics in the...
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Daring to Reward Biometrics in the Public Sector
Mary Kay RuwetteHuman Resources ManagerCity of DublinDublin, Ohio
16A-1
Who is the City of Dublin?
16A-2
Wellness & Prevention must be inseparably linked to the healthcare plan design.
Employees must be partners in their healthcare coverage and stewards of their own health.
16A-3
Daring to Reward Biometrics in the Public Sector
Benefit Team
Lower Health Care costs
City Council
Best PracticesROI on Wellness
Healthcare costs
Benefit Design
Tie Wellness to BenefitsOffer Incentives
16A-4
Best Practice to Next Practice
2 0 0 6 - 2 0 1 0 P P O P L A N
Deductible Co-Insurance Out of Pocket
Sing
le
$0 85/15 $1,750
Fam
ily
$0 85/15 $3,000
Premium contribution= $0
Free On-Site Screenings (optional)
Free Recreation Center Membership
Preventive Care Covered at 100%
Incentives
16A-5
HBC PlusChecklist
Health Risk Assessment
Screenings and Forms
Education Credit• 2 classes required
Preventive Care Check-Up
16A-6
Health Care Spending—Projections
16A-7
Benefits
16A-8
Best Practice to Next Practice
I N C E N T I V E SEarn a contribution into a Health
Savings Account Participation ($1,125/$2,250) Health Factors (Biometric
measures) ($150 per person)
Free On-Site Screenings (Mandatory)
Free Recreation Center Membership
Preventive Care Covered at 100%
Deductible Co-Insurance Out ofPocket
Sing
le $2,500 85/15 $4,000
Fam
ily
$5,000 85/15 $8,000
2011 Consumer Driven Health Plan
16A-9
Best Practice to Next Practice
2 0 0 6 - 2 0 1 0 P P O P L A N
Deductible Co-Insurance Out of Pocket
Sing
le
$0 85/15 $1,750
Fam
ily
$0 85/15 $3,000
2 0 1 1 H I G H D E D U C T I B L E
Deductible Co-Insurance Out ofPocket
Sing
le
$2,500 85/15 $4,000
Fam
ily
$5,000 85/15 $8,000
16A-10
Best Practice to Next Practice
2 0 0 6 – 2 0 1 0 I N C E N T I V E S
Premium contribution= $0
Free On-Site Screenings (optional)
Free Recreation Center Membership
Preventive Care Covered at 100%
Free Health Coaching
HBC “Buck” Program—Earn “bucks” to pay for programs at Rec Center
2 0 1 1 I N C E N T I V E S
Earn a contribution into a Health Savings Account
Participation ($1,125/$2,250)
Health Factors (Biometric measures) ($150 per person)
Free On-Site Screenings (Mandatory)
Free Recreation Center Membership
Preventive Care Covered at 100%
Free Health Coaching
HBC “Buck” Program
16A-11
Health measuresTobacco Free
Weight (BMI/waist)
Cholesterol
Blood pressure
Health Factor
HBC Target Ideal Measure*
Tobacco Use
Tobacco free 1 year No use
Weight(BMI/waist)
BMI <=25 Or
Waist 35 (F) or 40 (M)
BMI <=25
Cholesterol(Total/LDL)
<=200 mg/dl
OrLDL < 100
< 200 Total Cholesterol
Blood Pressure <140/90 <120/90
16A-12
2011-2013 City of Dublin Consumer Driven Health Plan(Example for Single Coverage)
Plan Participation Requirements Contribution to HSA $ Contribution to HSA %
Completion of Health Risk AppraisalPreventive Care ExamEducation CoursesScreenings
$1,125 45%
Health Measures
BMI/Waist $150 51%
Cholesterol $150 67%
Blood Pressure $150 63%
Tobacco Free $150 69%
Deductible: $2,500
16A-13
2011-2013 City of Dublin Consumer Driven Health Plan(Example for Family Coverage)
Plan Participation Requirements Contribution to HSA $ Contribution to HSA %
Completion of Health Risk AppraisalPreventive Care ExamEducation CoursesScreenings
$2,250 45%
Health Measures per employee & per spouse
BMI/Waist $150 51%
Cholesterol $150 67%
Blood Pressure $150 63%
Tobacco Free $150 69%
Deductible: $5,000
16A-14
Re-Testing Incentives
Rewarding Progress
•Twice a Year
• Earn a Partial Contribution
• Progress toward Health Factors
Health measures
Weight (BMI/waist)
Cholesterol
Blood pressure
16A-15
Daring to Reward Biometrics in the Public Sector
Biometrics
Education
Union Buy-In
City Council Buy-In
Communication
Legal
Medical Experts
16A-16
Wellness Programs
16A-17
Health Care Spending
0
1000000
2000000
3000000
4000000
5000000
6000000
2010 2011 2012
Projected Cost
Actual Cost
4,860,000
$4,448,419$4,214,4825,248,000
5,668,700
4,065,347
16A-18
Claims Cost PEPY
$7,500
$8,000
$8,500
$9,000
$9,500
$10,000
$10,500
$11,000
Total Cost
2010
2011
2012
Benefits
16A-19
Risk Status: Low, Medium and High
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
2008 2009 2010 2011 2012
High Risk
Medium Risk
Low Risk
16A-20
Next Practices—2014 & Beyond
Increase BMI Reward
Alternative Standard—Progress
Tobacco Surcharge
Dental Incentive
16A-21
Questions?
16A-22