Worksite Wellness: The Broker Differentiator

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Worksite Wellness The Broker Differentiator
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To 1,200 CEOs What cost is your companys
greatest concern?
Business Roundtable Survey, 2007
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Bureau of Labor Statistics
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Employer groups are talking about wellness

• What is a wellness program?

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Employee Population Health Management
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Employee Population Health Management
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Well
Risk
Urgent
Disease
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Well
Risk
Urgent
Disease
25
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Well
Risk
Urgent
Disease
10
Well
Risk
Disease
Urgent
5
11
Well
Risk
Urgent
Disease
12
Well
Risk
Urgent
Disease
60
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Well
Risk
Urgent
Disease
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Well
Risk
Urgent
Disease
10
15
Well
Risk
Urgent
Disease
10
60
5
25
15 of employees absorb 85 of costs
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Well
Risk
Urgent
Disease
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Disease
25
59 Turnover
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Disease
25
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Urgent
5
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Risk
60
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Well
10
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Who Needs Help Adopting and Maintaining Healthy
Behaviors?
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Who Needs Help Adopting and Maintaining Healthy
Behaviors?
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Employer groups are asking about wellness

• How can wellness programs impact the bottom line?

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The Bottom Line
Employee related costs
Unhealthy culture and behaviors
Health risks
Chronic disease
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Healthcare costs Productivity losses Recruitment
and retention Absenteeism Workers comp STD and
LTD
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Relative Employee Costs Due to Poor Health
Health Care Costs
Workers Comp
Absenteeism
Presenteeism
Edington, Burton. A Practical Approach to
Occupational and Environmental Medicine
(McCunney). 140-152. 2003.
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Productivity losses

Presenteeism
Absenteeism

unable to concentrate poor quality of
interpersonal communication the need to repeat a
job work more slowly
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Value of Lost Productivity
Your Annual Health Care Costs
3 X
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XZY company-1000 covered livesBefore Wellness
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After Wellness
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Impact of Wellness
Impact of all other cost drivers
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How can we do a wellness program?
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What are brokers doing?

• Gallagher
• Benefit Decisions
• Clear Point
• Ceridian
• Neace Lukens/CLS
• CBIZ Benefits
• MARCIT
• Advantec
• Northwester Mutual
• United Health Care

• Anthem
• Wellpoint
• BCBS of everywhere
• Great West Healthcare
• Wellness Consumer Builders
• Nationwide
• Regent BCBS
• CIGNA
• BS of California

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• 1. nothing

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• 2. Promote those carriers that offer wellness
  programs as part of their plans.

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• 3. Have an exclusive relationship with a wellness
  vendor. So long as the employer group works with
  you, they get good pricing on the wellness
  program.

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• 4. Become a trusted advisor or consultant and
  share your wellness knowledge with employer
  groups. Recommend wellness vendors.

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• 5. Become a trusted advisor and partner with a
  commissionable wellness company. If you lose the
  account, but they keep WellSteps, you still keep
  your commission.

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Effective Wellness Programs

• Create a worksite culture of health by
• Creating awareness/educate
• Motivating
• Providing tools and skills
• Promoting wellness policies and environments

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Healthy CultureHealthy BehaviorsHealthy
PeopleHealthy Companies
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Current WellSteps Programs

• Culprit and the Cure
• Fast Food Guide
• Food Makeover
• Earth Wise
• Whats your pressure?
• Safe at Home
• Fall in to Fitness

• Maintain Dont Gain
• Random Acts of Kindness
• TV Timeout
• Finding Fiber
• Happy Lungs
• Veggie Might
• Others..

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• Its not
• We want WellSteps to solve this problem for us
• It is
• How can WellSteps help us create a worksite
  culture of health?

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WellSteps requires

• A very high level of leadership support and
  commitment
• An onsite wellness coordinator and guiding
  committee
• Completion of the Checklist to Change
• and more

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WellSteps Cost Structure
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Commission Example

• Company A wants wellness
• They choose WellSteps for 2000 BEE
• Broker charges 4.50 per month
• The wholesale price is 3.50 per month
• Broker gets 1.00 PEPM

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• Is it time for your own broker organization to
  walk the wellness talk?

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Q A

• Please text your questions

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Phone [phone] troy_at_wellsteps.com