2012 Chamber of the Year Award Application | Page 1 SECTION 4-B: Leading Businesses. Leading Communities.™ Synopsis #2 1: Program/Service Name Lubbock ChamberWellness Program 2: The Core Chamber Strength(s) Addressed Economic Opportunity: The Chamber enhanced an existing partnership by leveraging talents and resources of member partners to improve economic opportunities. 3: Program/Project Summary The Lubbock ChamberWellness Program was launched in 2011 as a major added benefit to the very successful six-year-old Lubbock Chamber Employer Health Plan. Key outcomes: Successfully reinvented a previously unsuccessful, non incentive-based wellness program Gave smaller businesses access to a financially incentivized, comprehensive wellness program previously available only to large employers Partnered with a local member with a nationwide wellness portfolio to promote wellness at the employer/employee level Sustained the Chamber Employer Health Plan from affordability, risk management, retention and federal health care reform standpoints Roughly one-quarter of the Chamber’s membership (61% of those enrolled in the Chamber Employer Health Plan) participated the first year and immediately lowered their insurance premiums.
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Synopsis #2 - ACCE · Synopsis #2 1: Program/Service Name Lubbock ChamberWellness Program 2: The Core Chamber Strength(s) Addressed Economic Opportunity: The Chamber enhanced an existing
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2012 Chamber of the Year Award Application | Page 1
SECTION 4-B: Leading Businesses. Leading Communities.™
Synopsis #2
1: Program/Service Name
Lubbock ChamberWellness Program
2: The Core Chamber Strength(s) Addressed
Economic Opportunity: The Chamber enhanced an existing partnership by leveraging talents and resources of member partners to improve economic opportunities.
3: Program/Project Summary
The Lubbock ChamberWellness Program was launched in 2011 as a major added benefit to the very successful six-year-old Lubbock Chamber Employer Health Plan. Key outcomes:
Successfully reinvented a previously unsuccessful, non incentive-based wellness program
Gave smaller businesses access to a financially incentivized, comprehensive wellness program previously available only to large employers
Partnered with a local member with a nationwide wellness portfolio to promote wellness at the employer/employee level
Sustained the Chamber Employer Health Plan from affordability, risk management, retention and federal health care reform standpoints
Roughly one-quarter of the Chamber’s membership (61% of those enrolled in the Chamber Employer Health Plan) participated the first year and immediately lowered their insurance premiums.
2012 Chamber of the Year Award Application | Page 2
4: Needs Identification
The target audience for the ChamberWellness Program was Lubbock employers already enrolled or potentially enrolled in the Chamber Employer Health Plan, their employees and agents marketing the Chamber Employer Health Plan.
Member survey feedback indicated a strong interest in workplace wellness programs, and authoritative findings pointed to direct and indirect savings from workplace wellness programs.
Despite high employer interest in wellness, the actual utilization of a previous, less structured and less comprehensive wellness program was less than 0.1% of those enrolled in the Chamber’s plan, pointing to the need for a more robust and comprehensive wellness partnership.
Local health statistics and reimbursement data from the Chamber’s own health plan demonstrated a clear need to address wellness among participants in order to continue to sustain the plan and as part of fulfilling our mission to strengthen, promote and serve our member businesses.
Finally, the Chamber and its health plan partners saw potential for the role of wellness benefits in complying with the federal health care reform requirements in 2014.
See exhibits: LCOC- CW Member Wellness Survey LCOC- CW Counting Costs and Calories
2012 Chamber of the Year Award Application | Page 3
5: Program Objectives
With experience gained from previously less-than-successful efforts to establish a wellness program, the Chamber set forth these objectives:
Negotiate, on behalf of businesses, a premium incentive discount for employers who fulfill virtually 100% employee participation
Partner with a wellness administrator, preferably a local chamber member, to establish and administer such a plan
Address overall Health Plan sustainability by structuring a wellness program to strategically address compliance with 2014 federal health care reform as well as by keeping enrollment retention above 95%
Achieve at least 40% participation in ChamberWellness among Chamber Employer Health Plan participants by the September 2011 renewal
Collect sufficient biometric health data for future risk management, acute or urgent condition intervention and targeted health coaching.
See exhibits: LCOC-CW 2011-2013 Strategic Plan Health Plan Wellness Excerpts LCOC-CW Private Purchase Cooperative Board Meeting Agenda LCOC-CW Private Purchase Cooperative Board Meeting Minutes
2012 Chamber of the Year Award Application | Page 4
6: Methodology
To accomplish the objectives of the ChamberWellness program, the Chamber took the following actions:
Negotiated premium discount incentives with insurance carrier/partner Consulted with local wellness administrator, iaWellness, to determine
feasibility of extending their wellness programs to smaller employers under the Chamber’s cooperative-based umbrella
Finalized wellness program, including: o web portal with information and online Health Risk Assessment
(HRA) o health data collected through minimally invasive blood draw for
each participant o coaching calls with licensed
health coaches to discuss HRA and lab results as well as fitness or dietary recommendations
o 5% premium discount for employers with virtually 100% employee participation in the blood draw, completion of HRA and a coaching call
Rolled out wellness program to insurance agents, along with a sales incentive
Launched communications, marketing and outreach efforts to Chamber members and the business community
Hosted two employer meetings and webinars where wellness program and incentive were introduced
Evaluated first-year feedback and negotiated an additional incentive premium discount for employers re-enrolling in the wellness program.
2012 Chamber of the Year Award Application | Page 5
7: Communications
The Chamber’s communications strategy was executed in two phases using a variety of internal and external communications vehicles.
Phase I Vehicles Target Audience Communication Points/Calls to Action
Member Communications (Email Blasts, Social Media, Newsletter)
Kickoff meeting/Webinars
Chamber members
Take advantage of a new major added benefit to already successful insurance program; take advantage of premium discount; details of program; benefits of wellness in workplace
News Release
External TV Advertising
Radio Interviews
Presentations to Civic Organizations
Promotions at Events
Prospective members, Chamber members
Items above and: added value of Chamber membership and now part of an already successful program; call for more information
Internal Chamber-to-Agent Communications
Agent Rollout Meeting
Chamber Employer Health Plan, brokers/agents
Sell the wellness program! Requirements and details of program; agent incentives
Phase II Vehicles Target Audience Communication Points/Calls to Action
Email blasts, pamphlets (Spanish and English), dedicated web portal, direct mail pieces
Employers and their employees enrolled in ChamberWellness
Details of participation, deadlines and dates; information about testing and results, wellness tips
Screening Guide English & Espanol LCOC-CW Participant Biometric Results
Letter and Form
2012 Chamber of the Year Award Application | Page 7
8: Evaluation
Initial goals and results include:
Partner with a wellness consultant to administer such a plan: o The Chamber partnered with iaWellness that has an established
wellness consulting client-base nationwide. Negotiate a premium incentive discount for employers:
o The Chamber’s Health Plan partner, FirstCare, agreed to a 5% premium discount for employers in the first year, conditional on virtually 100% employee participation. This increases to 7.5% the second year and 10% the third year.
o In the first year of ChamberWellness, participating employers saved a total combined $1,257,070 through this discount.
Structure a wellness program to comply with 2014 federal health care reform:
o In 2014, private insurers must spend at least 85% of premium dollars on direct medical costs. Wellness program expenses are set outside of these calculations, allowing the Chamber to provide a robust benefit to members while complying with federal law.
Promote the plan through communications efforts, culminating in employer “Kickoff Meetings” to roll out ChamberWellness:
o Attendance over two meetings in summer 2011 totaled 850.
Increase wellness program participation from 0.1% to at least 40% through incentives, communications and agent sales:
o 61% of those enrolled in the Health Plan participated in the ChamberWellness plan’s first year (one-quarter of the Chamber’s total members and 3,373 individuals).
Help sustain the Chamber Employer Health Plan by ensuring a minimum 95% retention rate each renewal period:
o The combined premium discount incentive and wellness benefit resulted in a 97% renewal retention rate.
“Eddie, I just completed my Firstcare Biometric Screening.
Thank you and the Chamber for (i) offering Firstcare to the
membership and (ii) doing something to encourage better
health.” – John Crews; Crenshaw, Dupree and Milam
2012 Chamber of the Year Award Application | Page 8
Collect health data for future risk management, acute or urgent condition intervention and targeted health coaching:
o Urgent health interventions were made with 561 Chamber members after health screenings indicated a high risk for heart attack, stroke, diabetes, etc.
o Proprietary executive reports allow the partners to craft future wellness and prevention efforts and messages.
See exhibits: LCOC-CW Executive Report LCOC-CW Biometric Data Report LCOC-CW Testimonials