Understanding Your Health

2012

Understanding Your Health Main Objectives

• Understand why health care costs and chronic illness rates continue to rise

• Learn about the power to make healthy choices and be a wise health consumer

• Review resources for handling major and minor health problems

Obesity is the leading cause of preventable death in America today.

True or False

Source: CDC

False, tobacco use is the single most preventable cause of disease, disability, and death in the United States. Obesity is number two.

It is estimated that chronic illnesses presently account for 60 percent of America's total health care bill.

True or False

75 – 80%

Source: WELCOA

New Hampshire’s Health Challenges

Chronic diseases – such as heart disease, stroke, cancer, diabetes, and arthritis – are among the most common, costly, and preventable of all health problems in the United States.

Source: NH Citizens Health Initiative, US CDC

The Big Picture

New technologies continue to emerge and be

utilized at accelerating rates

Defensive Medicine -Malpractice

Providers are consolidating

Medical inflation trend is growing at rates

above 10%

Prescription drug costs continue to rise

significantly

The workforce is aging, exposing employers and employees to the cost impact of rising demographics

All populations are highly entitled to health care

47+ Million uninsured and another 15+ under-insured

The health care world is changing dramatically

Reinforce Health & Safety Improved health & safety at the workplace supports health of individual in addition to:

• Medical consumerism• Lifestyle behaviors & clinical

factors• Making the everyday choice, the

healthy choice

Addressing the Health Belief Model

Medical Consumerism:Information Access & Transparency

Best Practices

The High Cost of Health CareNew Hampshire…

2009 NH cost of health care $10.0 billion - almost 18% of NH gross state product

Source: NH Center for Public Policy

What do you think…..

An average hospital stay cost?

An average physician visit cost?

An emergency room visit cost?

An average prescription drug cost?

$14,246.00

$ 120.00

$ 980.00

$ 111.53

Source: NH Local Government Center HealthTrust, July 2010 pool

Medical Consumerism

Q. How much do you think the current health plan coverage costs?

POS HMO

$7,877.28 $7,516.32 (One Person)

$15,754.08 $15,031.8 (Two-person)

$25,206.72 $24,050.88 (Family)

Source: SONH Risk Management

FY2011 Health Costs

Medical Claims

$ 182,200,200

State of New Hampshire

Source: SONH FY2011 Self-Funded Employee and Retiree Health Benefit Program Annual Report

Pharmaceutical Drug Claims

$ 69,500,000

Snapshot of Benefits Program

All Costs * $ 263,200,000

*Medical Claims, Prescription Drug claims, Dental claims, administration and other expenses paid in FY2011

FY2011 Plan Costs

Benefit Plan Employees Spouses and Dependents

Total

TotalActive & Retirees

21,260 18,707 39,967

Source: SONH FY2011 Self-Funded Employee and Retiree Health Benefit Program Annual Report

Rising Cost of Health Care

Everyone paysAs health care costs rise, the State is paying more and you are paying too, in terms of . . .– Lower wages from increases in cost

sharing– Fewer resources for training programs– Pay freezes– Decrease in contributions to pension

programs– Layoffs and Furloughs

Economic case for Medical Consumerism

• In 2005, Americans went to hospital emergency rooms 114 million times

• Estimates identify that 55.4% of ER visits were for non-urgent conditions

Source: CDC

An observation…

www.nhhealthinfo.org

Transparency

www.nhhealthcost.org

New Hampshire Hospital Scorecard www.nhpghscorecard.org

Lifestyle Behaviors and Clinical Factor

Best Practices

Drivers of Healthcare Cost and Affordability

Health Risk Behaviors• Obesity (poor nutrition, sedentary lifestyle)• Tobacco Use

Illness and Disease• Health Care Treatment & Management

Utilization• Overcapacity

• ER, Tests, Technology

• Cost of services• Quality of services

• Disparity of treatment pathways

Top Health Risk Behaviors in Terms of Cost New Hampshire:

Today16% of NH adults and 21% NH teens smokeSmoking is associated with higher health care costs, averaging $1,275 more for smokers than nonsmokers*

Today

Today In 2011, Potentially Lifestyle related claims accounted for 52.4% (Anthem)

62% of NH adults are overweight or obese Obesity is associated with higher health care costs, averaging $1,850 more for obese people than those at a healthy weight*

* Mayo Clinic

What does your Health Plan Administrator recommend you do?

Online Tools and Resources

• MyHealth@Anthem

•MyHealth Assessment

•MyHealth Record

•Condition Centers

•Online Community

• Specialoffers@Anthem

• AudioHealth Library

Care Management

• 24/7 NurseLine

• Future Moms

• ConditionCare

• ComplexCare

• Comprehensive Medical Management

Anthem Comprehensive Health and Wellness Benefits

For more information call1-800-933-8415

Schedule Your Preventive Screenings

$0 CO-PAY!Medical AND Dental

Prevention is best.Early detection is next!

Take the Health Assessment Tool

• Log in at www.anthem.com Click on health and wellness• Evaluate your health• Steps to take to live healthier• Online health coaching• Review the results with

your health care provider• Your information is

confidential and is protected by law

For more information call1-800-933-8415

Health Risk Assessment Tool

If you are an active employee subscriber on the health benefit program, you will receive a $200

Health Reimbursement Arrangement (HRA) for

calendar/benefit year 2012 when you complete your HAT. The HRA is eligible for medical and pharmacy copays and POS deductible and co-insurance

NURSE ON DUTY

• 24/7 access to a registered nurse coach

•Seamlessly integrates with our comprehensive suite of preventive care programs and wellness initiatives

•Medical decision making and general health issues

The 24/7 Nurseline provides members toll-free access to trained registered nurses any time of the day or night

Anthem 24/7 NurseLine

Call 1-800-544-1901

Future Moms

Future Moms provides expectant moms with personal support to help promote a healthy pregnancy and delivery

Call 1-866-347-8360

Anthem Future Moms

What would you do?

What if you or a family member…had a serious medical condition?

Helps members manage the followingconditions:

•Asthma•Diabetes•CAD•COPD•Heart Failure

Anthem ConditionCare

Call

1-866-596-9812

Anthem ComplexCareComplexCare identifies complicated medical cases and responds to assist members.

• Proactive member identification and engagement

• Integrated care

• Helps reduce absenteeism, condition-related disability, hospitalizations and ER visits

Call 1-800-933-8415

Members have access to a registered nurse 24/7

A single point of contact…

Anthem ConditionCare & ComplexCare

Members proactively identified through predictive modeling

Holistic member management and greater understanding and control of health risks and condition

Members have access to an entire multidisciplinary team to help, if needed

Anthem Worksite Wellness Services

Collaborates with State of NH Wellness Program and other partners. Provides free wellness workshops*, blood pressure and body mass index screenings, and flu clinics.

• Help members take an active role in a healthy lifestyle

• Behavior change resources and tools

• Conveniently located at the workplace

• Available to all employees regardless of location

*Workshops focus on Better Health Digital Coaching, 360 Health Programs, Blood Pressure, Heart Health, Diabetes, Cancer Prevention, Stress in the Workplace, Healthy Aging, and Healthy Holidays

Call 1-603-695-7559

Shop Smart. Earn Green.

www.compasssmartshopper.com

Earn financial rewards simply by getting the healthcare services you need!

• Compass SmartShopper is a free service offered to State employees and dependents covered by the Health Benefit Program that provides cost information for healthcare facilities in your area.

• By using a more cost-effective provider for common medical procedures and diagnostic tests, you can help reduce claims costs.

• These savings are shared back to you through financial incentive rewards.

Beginning December 1, 2011:

State employees have an expanded list of services to shop! NEW

procedures include Lab Services, Physical Therapy and Remicade

Infusion Therapy.

For a complete list of services or more information on how the program

works, contact Compass at 1-800-824-9127 or visit the website.

Here’s how it works:

•Your doctor recommends a procedure or test.

•Call Compass or visit the website to shop for a location.

•Have your service done at a cost-effective location identified by

Compass to earn an incentive reward.

New Hampshire Local Government Center

Pharmacy Benefits Administrator

Provides free worksite health and wellness workshops and demonstrations

EyeMed Vision Care Discount Program

Member Service Call Center– Prescription Benefit Questions– ID Issues

Regular Hours: 8:30 A.M. – 4:30 P.M., Mon-FridayPhone: 1.800.527.5001Email: sonh@nhlgc.org

CVS CareMarkPharmacy Benefit Manager

• Order Prescriptions - Conveniently manage your prescriptions anywhere• Understand Plan and Benefits – Learn about your plan’s benefits to help you save money• Find Savings and Opportunities – Discover easy ways to help save on your prescriptions•Learn About Medications – Stay informed by learning about your medicines and health conditions•Ask-a-Pharmacist – Need extra help? CVS CareMark can help with your questions

Phone: 1-888-726-1630, 24 hours – 7 days a week

www.caremark.com

• Learn about the latest oral health news and resources

• Oral health education and products• Find a dentist• Oral health assessment• And much more!

Phone 800-537-1715603-223-1000Fax: 603-223-1199Website: www.nedelta.comCustomer Service General Benefits/Claims Inquiries800-832-5700 or 603-223-1234

State of New Hampshire Employee Assistance Program

Here to give you and your loved ones …

an extra hand to meet life’s challenges1-800-852-3345, ext. 4336

State of New Hampshire – Employee Assistance Program

What is it?

Counseling Services

Information & Referrals and

Professional Coaching

Who is eligible?Any State of New Hampshire employee and their immediate family.

Why would I use the EAP?

To Navigate Work & Life Events

• Adjusting to Demands at Work• Coping with Stressful Situations• Becoming a Better Communicator • Managing Debt

* Referrals

* Drug/Alcohol Testing

* Employee Orientation

How Do I Use the EAP?

2. Initial Consultation

3. Action Plan

Employee/Family Services

Educational Programs

1. Call Toll-Free 1-800-852-3345, ext. 4336

* Respect in the Workplace

* Humor as a Stress Reliever

* Workplace Change

Management Services

* Supervisory Coaching

* Management Consultation

* Work Culture Audit

Employee Benefit Management Inc.Voluntary Benefits Administrator

• Contact for questions related to enrollment or eligibility for Accidental, Critical Illness & Short Term Disability Insurance

• Phone: 1-888-269-2744• Email: info@ebmi.net

Combined Services LLC

• Contact for questions about your Medical/Dependent Care Flexible Spending Account and Health Reimbursement Arrangement Benefit Debit Cards

• Phone: 1-888-227-9745• Email: flexiblebenefits@combinedservices.com• Website: www.combinedservices.com

Why are we here today?

The State of NH knows that a healthier employee is a happier employee, and that is why we are committed to preserving a healthy workplace for our number one resource - our dedicated employees.

Together, Our Wellness Program is designed to support a commitment to your wellbeing and provide opportunities for individuals to improve their health and wellness.

What is a Healthy Lifestyle?

• Being Physically Active• Making Healthy Food Choices• Maintaining a Healthy Weight• Receiving Preventive Care & Knowing Your Numbers• Getting Quality Sleep• Stress Management• Tobacco Cessation• Quality HealthCare• And More…

Helping You Achieve a Healthy Lifestyle

• Annual Health Assessment Tool (HAT) with a Health Reimbursement Account (HRA) incentive of $200 for out of pocket health plan costs

• HMO plan- annual gym membership ($450) or exercise equipment ($200)

• HMO & POS - Annual Community Health Education ($150)

• $0 Co-pay for Preventive Visits• Free Free Annual Flu Clinics at

workplace

Utilize the Web Tools and Resources

• Anthem - www.anthem.com • NH Dept. of Health and Human Services

www.dhhs.nh.gov• State Employee Wellness

http://admin.state.nh.us/wellness/ • Healthy Eating Active Living NH - www.healnh.org • Centers for Disease Control - www.cdc.gov • Foundation for Healthy Communities

www.healthynh.com

Stay Informed!

• Complete the annual interest survey

• Attend wellness related educational workshops

• Read the newsletters• Use the Health

Assessment Tool• Involve your family• Be an informed healthcare

consumer for quality care

Participate in Wellness Campaigns

• Walk NH• Tobacco Cessation • Stairway to the Mountains • Wellness Challenges

– Spring Training– Commissioner’s Challenge

• Health Fairs/On-site Classes • Health Promotions• Worksite Screenings• Flu Shot Clinics

Summary of Main Points

• Health care costs and chronic illness rates continue to be a problem, but we have options and the power to make choices

• We have many resources for handling major and minor health problems

• We can make a difference by leading healthy lifestyles and being wise health care consumers