Health and Wellness in a Time of Healthcare Reform =

1. Healthy Employees are Important to the Health of Your Business Health and Wellness in a Time of Healthcare Reform =

2. Wellness Defined A process of being aware of and actively working toward better health. Awareness If people are going to get healthy, then they need to have a precise understanding of their current health status. Action “Act as if what you do makes a difference. It does.”

3. Healthy employees are more productive and have lower healthcare costs. That’s important because healthy employees can mean a “healthy” bottom line for your business.

4. Why Wellness Now? Question 1

5. 1999 2010 Obesity Trends Among U.S. Adults BRFSS 1990 (*BMI 30, or about 30 lbs. overweight for 5’4” person) No Data <10% 10%–14% 15%–19% 20%–24% 25%–29% ≥30%

6. Iceberg Phenomenon Visible Cost • Direct Medical Costs • Medical • Pharmaceutical • Indirect Costs • Presenteeism • Short-term Disability • Long-term Disability • Absenteeism • Workers Compensation Non-Visible Cost

7. Pay me now, or pay me later $85 OR $85,000

8. Question 2 Why Wellness at the Worksite?

9. Reason #1- Source: Bureau of Labor Statistics Source: Bureau of Labor Statistics

10. Average Hours per Work Week Spent at Work • With the majority of Americans spending more of their waking hours at work, what better place to start than with worksite wellness.The typical U.S. adult over the age of 18 has seven (7) chronic health conditions.

11. Reason # 2 Healthy employees are more productive and have lower healthcare costs. That’s important because healthy employees can mean a “healthy” bottom line for your business.

12. Portion of Healthcare Dollars Spending on Wellness <10% Wellness 90+% Wellness

13. Total Value of Health High Indirect Costs Direct Indirect

14. 2010 - Most Common Ways Employers Manage Healthcare Trends Source: ERC Healthcare and Wellness Practices Survey

15. 2010 Wellness Trends Average of $14/month Source: ERC Healthcare and Wellness Practices Survey

16. Step One: Be a Champion of Health & Wellness Inform Your Management Define Management’s Role Train Management

17. Step Two: Change Your Culture – Make it Healthy Assess Your Culture Healthy Workplace Tour & Culture Assessment • Activity level • Nutrition habits • Campus layout Health Risk Assessment • Personal Wellness Profile • Health Screenings • Healthy You! visit

18. Change Your Culture Be Tobacco-free Program Services: • 3 fully-covered physician visits for counseling • Prescribed nicotine replacement therapy / medication • BCBSMS Quitline • 90-day coverage

19. Blue Cross & Blue Shield of Mississippi “be smoke-free” Program Program Results:

20. Blue Cross & Blue Shield of Mississippi “be smoke-free” Program Program Results:

21. Change Your Culture Assess Your Employees HRA Program Components: • Lifestyle questionnaire • Annual health screenings • 50% participation • Understand employees’ health needs & interests • Personalized Health Report • Executive Report

22. Blue Cross & Blue Shield of MississippiEmployee Results 2006-2010

23. Blue Cross & Blue Shield of MississippiHealth & Wellness Program Success

24. Change Your Culture Inform and Educate Your Employees Employees have a direct impact on your health plan • Use benefits wisely • Health and lifestyle choices impact plan costs • Access to Nurse Advice Line • Access to Wellness Center Discount Program • Annual Healthy You! wellness exam • Access to tobacco-cessation • Monthly health & wellness information

25. Step Three Promote Healthy You! Healthy You! Wellness Benefit • Set a goal of100%of employees get their Healthy You! visit

26. Focused Risk Factors Cholesterol Glucose Blood pressure Weight/BMI Tobacco use Healthy You! Program Know Your Numbers Manage Your Risks

27. Blue Cross & Blue Shield of Mississippi Healthy You! Utilization (covered employees)

28. If employees know their numbers, they can manage their risks Tangible Results:

29. Employee Health Impacts the Health of Your Business Our Per Member Per Year (PMPY) costs are 14.2% less for employees in our Wellness Incentive Program.

30. Employee Health Impacts the Health of Your Business Tangible results: Time away from work

31. Step Four Promote Workplace Activities • Quarterly activities • Management in-service • High participation • Timely feedback

32. Healthy Workplace Activities • “be smoke-free” Program • Healthy You! promotion • Eat Healthy Challenge • be healthy! Challenge • LGWM worksite challenge • Be stress-free activity

33. Step Five: Provide Incentives for Healthy Behavior Carefully plan your incentives for long-term behavior change • Time at work to participate in activities • Extra day off for the Healthy You! visit • Monetary incentives • Prize drawings

34. Provide Incentives for Healthy Behavior • Participation during work • Activity options • Achievement recognition • Competition • Financial rewards • Benefit differentials

35. Return on Wellness • Lower healthcare costs • Fewer employee sick days • Reduction in workers’ comp costs • Lower disability management costs • Improved morale • Reduced turnover • Lives saved!

36. Return on Wellness Source: Employee and Executive Wellness Solutions

37. Indirect Return on Wellness Source: Employee and Executive Wellness Solutions

38. Month 3 Memo from Champion to employees about Healthy Workplace Month 4 -Employees complete PWP withhealth screening/health fair - PWP results to employees - Executive report to wellness team Month 1 - Commitment letter - Healthy Workplace Tour Month 2 In-service with Management/Wellness Committee & Champion Month 5 Worksite Wellness Activities begin Healthy Workplace Timeline