1. AWinning Approach to
Wellness
April 2014
HEALTHCHECK360.COM
Direct Phone: 563.587.5415
Roy.Lines@HealthCheck360.com
Presented By: Roy Lines, CFP®, CRPS®

2. Business stakeholders have a choice:
“Pay now through wellness programs or
pay much more in health care costs later…”

3. AGENDA
• HealthCheck360°Value Proposition
– Unique & Cost Effective
– Ease of Administration
– Verifiable & Manageable Results
• Define the Benefits of aWellness Program
– To the Employer
– To the Employee
• Why Have aWellness Program
• The HealthCheck360° System andWhy ItWorks
– Demonstrate the Financial Impact for Employers
• The HealthCheck360° Process
• Benefits Gained

4. Our system has three broad categories of
benefits to business clients and prospects:
1. Cost Effectiveness
2. Ease of Administration
3. Verifiable & Manageable Results
4
Setting Up HealthCheck360°’sValue Proposition

5.  HealthCheck360° is not just another wellness provider.
 HealthCheck360° has a financially focused, easy to
adopt 5-step best practices health management
program that is unique, cost effective and delivers
verifiable results to enable company stakeholders to
effectively mitigate and manage health care costs while
at the same time improve the health and productivity of
their employees.
5
HealthCheck360°’sValue Proposition

6.  HealthCheck360° is unique because we provide a progressive
program that integrates participatory, activity-based and outcome-
based programs.
 Over 90% of our clients migrate towards outcome-based incentive
structures within 2-3 years.
 HC360° can (and often does) integrate our Condition Management
(disease and compliance management) programming.
6
Why is HealthCheck360° Unique?

7. 7
What are the Benefits of a Wellness Program?
Employer Benefits
1. Awareness of “lifestyle diseases” &
the direct correlation to health care
costs
1. Health maintenance & disease
prevention
2. Improve health & disease/condition
management
3. Improved medication adherence
4. Lower insurance premiums (vs. trend)
5. Decrease out-of-pocket expenses
6. Improve quality of life
Employee Benefits
I. Increase operating efficiency by
increased employee productivity
1. Improved performance
2. Decreased sick days
3. Decreased leaves of absence
4. Reduce medical, disability & worker’s
compensation claims costs
5. Lower overall health insurance
benefit expenses (vs. trend)
6. Ability to retain and recruit quality
employees

8. WHY HAVE A WELLNESS PROGRAM?
8
Source: Co-Occurrence of Leading Lifestyle-Related Chronic Conditions Among Adults in the United States, 2002-2009
http://www.cdc.gov/pcd/issues/2013/12_0316.htm This page was updated on May 01, 2013, to incorporate the corrections inVol. 10.
Earl S. Ford, MD, MPH; Janet B. Croft, PhD; Samuel F. Posner, PhD; Richard A. Goodman, MD, MPH;Wayne H. Giles, MD, MSc
70% of deaths and 75% of health care costs
in the U.S. are attributable to chronic diseases
The prevalence of having 1 or more or 2 or more of the leading lifestyle-related chronic conditions increased steadily from 2002 to 2009. If these increases
continue, particularly among younger adults, managing patients with multiple chronic conditions in the aging population will continue to challenge public
health and clinical practice.
Conclusion: “The root causes trace back to lifestyle factors
such as diet, exercise & smoking”

9. 9
KAISER FOUNDATION 2013
EMPLOYER HEALTH BENEFITS SURVEY
77% Employer
&

10. 10
Why Have a Wellness Program?
Source: Workplace Wellness Programs Study Final Report to Congress 2013
Rand Health Corporation sponsored by U.S. Department of Labor and U.S. Department of Health & Human Services
Rand Study
estimates
medical cost
savings of
$378 annually
per member/
per year

11. KAISER FOUNDATION 2013
EMPLOYER HEALTH BENEFITS SURVEY
11
Firms offering health benefits continue to offer wellness and health
promotion programs:
77% of firms offer at least one wellness program,
24% offer employees health risk assessments,
57% offer at least one disease management program.
Small percentages of these firms use financial incentives in order to
encourage workers to participate or complete these activities.
Source: 2013 Employer Health Benefits Survey, Aug 20, 2013
http://kff.org/?post_type=report-section&p=82269

12. WHY HAVE A HEALTHCHECK360° WELLNESS PROGRAM ?
$8,852
$9,054
$8,365
$8,967
$8,823
$8,247
$7,429
$7,861 $8,334
$9,033
$9,730
$10,346
0
2,000
4,000
6,000
8,000
10,000
12,000
2007-08 2008-09 2009-10 2010-11 2011-12 2012-13
To Reduce Health Plan Medical Costs per Covered Employee
HC360 Actual Large Employers
Question: Why are their health costs continuing to go up?
Answer: Traditional wellness programs are not financially focused
12
Source: Mercer National Survey of Employer Sponsored Health Plans 2012 Page 17

13. How does HealthCheck360° effectively limit rising health care costs?
Through a Performance – Based Health Management Program
A systematic way – to keep healthy employees healthy, improve the health of the
unhealthy and enables better care compliance for those with chronic conditions.

14. DOES IT WORK?
• What is the impact of HealthCheck360° program on health risk status?
– Health risk migration is the foundation for establishing ROI
• Sample: >55,000 participants
• Dates: 2008-2013
• Method: Study repeat participants only (no sample bias) and track
aggregate change in health risk using HealthCheck360° scoring algorithm.
14

15. YEAR 1 TO 2 MIGRATION
0
2000
4000
6000
8000
10000
12000
14000
Ideal Low Moderate High Very High
10941
13526
8080
5206
3884
11977
13954
7599
4786
3321
2 Year Repeat Migration – Participants: 41,637
Year 1 Year 2
15% Decrease
10% Increase
15

16. YEAR 1 TO 5 MIGRATION
0
200
400
600
800
1000
1200
1400
1600
1800
2000
Ideal Low Moderate High Very High
1020
1787
1149
736
560
1710
1797
919
500
326
5 Year Repeat Migration – Participants: 5,252
Year 1 Year 2 Year 3 Year 4 Year 5
16

17. IS IT COST EFFECTIVE?
What’s the Financial Impact?
Medical Cost Gap Analysis
17

18. $12,000
$13,200
$10,263
$10,992
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
2013 2014 (Projected)
ABC Costs vs. Mercer Benchmark
ABC
Mercer 500
WHY IS THIS CLIENT AT A COMPETITIVE DISADVANTAGE?
ANALYZE HEALTH COST TREND
$1,241,550
N=450
18
$781,650

19. CONTINUE WITH A DO NOTHING STRATEGY
$-
$5,000.00
$10,000.00
$15,000.00
$20,000.00
$25,000.00
$12,000.00
$13,200
$14,520
$15,972
$17,569.20
$19,748.23
10,263
$10,992
$11,772
$12,607
$13,503
$15,578
ABC = 10% Trend vs. Mercer Average of 7.1%
JEP
Mercer <500
N=450
19
2013 2014 2015 201820172016

20. $-
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
$20,000
Year 1 Year 2 Year 3 Year 4 Year 5
HC360 Cost of Program + Health Plan Cost per Employee
HC360 Program Cost
Cost Per Employee
OR INVEST IN HEALTHCHECK360°
20
N=450

21. IS IT COST EFFECTIVE?
$-
$5,000
$10,000
$15,000
$20,000
$25,000
Year 1 Year 2 Year 3 Year 4 Year 5
HC360 Plan: Cost Reduction by 1% per Year
ABC + HealthCheck 360
Mercer 500
ABC
Savings:
Year 2: $38,000
Year 3: $222,000
Year 4: $520,000
Year 5: $963,000
21
N=450

22. VERIFIABLE RESULTS
$6,000
$6,500
$7,000
$7,500
$8,000
$8,500
$9,000
$9,500
$10,000
$10,500
$11,000
2007-08 2008-09 2009-10 2010-11 2011-12 2012-13
$8,852
$9,054
$8,365
$8,967
$8,823
$8,247
$7,588
$8,107
$8,506
$9,012
$10,221
$10,581
$7,429
$7,861
$8,334
$9,033
$9,730
$10,346
Health Plan Costs per Covered Employee
Actual Manufacturing Large Employers
A health plan competitive cost disadvantage of $1,264 per employee has been transformed into a competitive
advantage of $2,334 per employee
N=2,000 HC360 Manufacturing Client
22

23. HC360° PROCESS: IDENTIFYTHE ROOT PROBLEM
IFYOU CAN MEASURE ITYOU CAN MANAGE IT
23
Biometric Screening Findings
• 111 with glucose in diabetic range
• 580 with glucose in pre-diabetic
range
• 549 individuals with elevated
systolic and diastolic blood
pressure readings
• 815with elevated cholesterol
• 883 with BMI readings > 30, of
which 396 (44.8%) are also pre-
diabetic
Claims Information
• 50 individuals have claims with
diabetes or pre-diabetes
• 78 individuals have claims with
hypertension
• 98 individuals at risk of a heart
attack
N = 1,750 Manufacturing Firm
Management may already know… What if they knew…

24. QUANTIFY HEALTH RISK INYOUR POPULATION
24
0
20
40
60
80
100
120
140
160
180
40%
20%
35%
31%
19%
Projected Health Risks in ABC Population
# Health Risks
N=450

25. 12
4
16
4
16
4
100 Points
All of these health conditions
can be modified by a
combination of an employer’s
decision on financial incentives,
health behavior intervention &
compliance management
programming.
Most importantly, by the
employee’s health decisions!
25
28
16
Scoring Model

26. CORRELATE RISK LEVELSTO HEALTH SCORE
HealthCheck360° Scorecard
Risk Level Correlated to HC360° Health Score
Ideal ≥ 86 A
Low 71-85 B
Moderate 61-70 C
High 51-60 D
Very High ≤ 50 F
HealthCheck360° has an easy to interpret scoring system that translates biometric
values into a simple to understand score that is highly correlative to health risk factors.
Ease of interpretation for both participants and company reports for analysis and
planning. Financial incentive strategies easily integrate with this progressive scoring
system and simplifies the reasonable alternative process.

27. TRANSLATE HEALTH RISKS INTO AN ACTION PLAN
(POPULATION HEALTH DISPERSION)
30.70% 31.10%
18.90%
10.20%
9.10%
Ideal
(85+)
Low Risk
(71-84)
Moderate Risk
(61-70)
High Risk
(51-60)
Very High Risk
(<60)
HC360 Sample Population Study: N=10,262 2012
27
Keep
this
Group
Healthy
Improve
this
Group’s
Health
Drive
Behavior
Change &
Manage Care
Compliance

28. 24.1%
32.6%
21.0%
10.3%
12.0%
Ideal
(18.5-24.9)
Low Risk
(25-29.9)
Moderate Risk
(30.0-34.9)
High Risk
(35.0-39.9)
Very High Risk
(40+)
ABILITYTO DRILL DOWNTO DETERMINE SPECIFIC HEALTH RISKS
EXAMPLE: BMI POPULATION DISPERSION
HC360 Sample Population Study: N=10,262 2012
28
Keep Up
the
Good
Work
Eat
Healthy
Exercise
Program
Weight
Management
Program

29. ESTABLISH YEAR 1 BASELINE TO SHOW Y-O-Y
POPULATION HEALTH IMPROVEMENT
R² = 0.9662
R² = 0.8815
66
68
70
72
74
76
78
80
82
84
20 25 30 35 40 45 50 55 60 65
HRATotalScore
Age
HC360 Repeat Participants vs Baseline
Baseline
HC360 Participants
29
HC360 Sample Population Study, Baseline N = 38,000 2012

30. CORRELATING CLAIMS COSTSTO RISK LEVELS
HealthCheck360°
Risk Level Cost
Ideal $1680.35
Low $2279.46
Moderate $2855.74
High $3040.94
Very High $3879.80
Competitor
Risk Level Cost
“Best” $2260.85
“Moderate” $2676.97
“Poor” $3012.15
HealthCheck360° includes two additional levels of stratification to accurately identify
health risk levels. This gives consultants and business owners more accurate data to
create targeted interventions resulting in a much higher probability for cost reduction.

31. $8,132
$6,202
$5,838
$5,493
$-
$1,000
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
$9,000
Non-participant/ HRA Only 1 HRA w/ biometrics 2 HRA w/ biometrics 3 HRA w/ biometrics
Fully Insured: Use Wellness Data to Begin Tracking Results
Self Insured: Correlate Wellness Data to Paid Claims Per Participant
32.5% reduction in claims
from non-participants.
12.4% reduction in claims
from 1st to 3rd year of the
program.
31
Why Have a Healthcheck360°Wellness Program?
N=1,132 2009-2012

32. HEALTHCHECK360° 5-STEP BEST PRACTICES
WHY OUR SYSTEMWORKS!
• Objective biometric collection process
– Identify & measure health risks
• remove subjective predispositions from self-reported HRA
• Superior scoring algorithm
– Translate lab values into an easy to understand health score
• correlated to established benchmarks that are highly predictive of health costs
• Flexible and effective incentive management
– Motivate participation with flexible design that evolves with program
• Reward progress not perfection while maintaining HIPAA & ACA compliance
• Mitigate known and unknown health risks
– Multimedia engagement programs driven by individual biometric data
• Health coaching & Condition management programming
• Manage to maximize results
– Participation analysis, Engagement levels & Risk migration
• Claims integrated client specific reporting
32

33. PROPRIETARY OBJECTIVE
SCORING SYSTEM – DRIVES RESULTS
• Our scoring algorithm is directly
correlated to present and future cost
drivers
• Balanced across all major cost drivers
• Transparent to participant
• Designed to reward positive change
across health spectrum
• Designed to integrate with medical
management
• Easily understood 0-100 scale
• Developed and reviewed by physicians
33

34. A SCORING MODEL THAT IS EFFECTIVE
34
• Marketplace
– Difficult to understand
(negative to positive)
– Rely on some measure of self
reported information
– Incentive structure is fixed
– Easy to administer
– Complicates Reasonable
alternative process
– Inaccurate scoring leads to
inability to identify where
change is needed to improve
health & costs
• HealthCheck360°
– Easy to interpret 0-100 score
similar to education system
– No self reported information
– Incentive structure can evolve
with success
– Easy to administer
– Simplifies Reasonable
Alternative Process
– Accurate identification of cost
drivers and scoring leads to
correct appropriation of
rewards and interventions

35. HEALTHCHECK360°
MANAGES COMPLIANCE
• HealthCheck360 provides:
– Incentive Consulting & Reporting
– HIPAA Compliance
– Reasonable alternative management
– Recommended language for SPD
wrap document
35

36. 36
 Your dedicated go to consultant for all support and service needs
 Consult on effective incentives, scheduling, and processes
 Customized implementation guide and timeline
 8-10 week pre-event employee communication plan
 Biometric screening coordinator
 Data and analytic report liaison
DEDICATED ACCOUNT MANAGEMENT

37. IMPLEMENTATION PROCESS
We will provide & manage written
service timeline for:
• Intake process
• Training your team
• Employee Communication period
• Screenings & Assessments
• Coaching & Programming
• Monthly events & communications
37
Implementation Timeline

38. CLIENT SPECIFIC REPORTING
38
* If applicable
• Individual Report
• Executive & Aggregate Report
• Claims analysis*
• Health Coaching Reporting*
• Risk Migration Analysis
• CriticalValue Reporting
• Executive Review Presentation
– Provides synopsis of various reports
– Identifies key issues to manage
– Compares company data to industry cohorts

39. BENEFITS GAINED
 Effectively manage your wellness program –
• like you manage your business; with employee accountability, goal achievement and more predictable outcomes
 A systematic way to achieve better health outcomes –
• which will mitigate your health spend while increasing productivity resulting in higher operational efficiency and profitability
 Expert consultation enables you to set realistic goals and benchmarks –
• Enables management, employee benefits team, consultants and providers to effectively monitor, measure & manage for program success
 Saves you valuable time in the strategic planning process –
• results in developing an evolving program that is congruent with your corporate goals and initiatives
 Effectively analyze your population’s health risk migration –
• and correlate to claims data; better enabling predictive modeling alignment with ROI expectations
 Program is designed to be cost neutral –
• program hard costs will have minimal impact on cash flow if implemented as recommended
 Program is administratively simple and efficient –
• Saving you both soft & hard dollars on administering your wellness program
 With access to an employee’s Personal Health Information –
• we are in the best possible position to influence a shared vision of good health and healthy habits
39

40. BENEFITS GAINED
 Expertise with HIPAA and HITECH regulations –
• compliance oversight maintains your program integrity and reduces time and cost for staff
 Expert consultation on prudent financial incentive strategies –
• that are intuitive and member specific programming will foster high participation and engagement; ensuring program sustainability and overall goal
achievement
 Empowering employees to take more personal responsibility –
• Over their health increases their confidence in the program resulting in sustainability
 A trusted partner –
• you can depend on HealthCheck360° for world class customer service and support
 A systematic way –
• to keep your healthy employees healthy, improve the health of the unhealthy and enables better care compliance for those with chronic conditions
40

41. HEALTHCHECK360° CONTACT
41
For a meeting, webinar or plan proposal call or email:
Roy C. Lines, CFP®, CRPS®
Sales Executive
Office 563.587.5415 | Cell 563.599.2844 | Fax: 563.587.6602
www.HealthCheck360.com | Roy.Lines@HealthCheck360.com
HealthCheck360° 800 Main Street | PO Box 1475 | Dubuque, IA 52004-1475