"Engaging Employees In Benefit Decisions : Off setTing Medical Expenses"

"ENGAGING EMPLOYEES IN BENEFIT DECISIONS: OFF SETTING MEDICAL

EXPENSES"

Engagement methods for health, wellness & benefit

programs.

Barb BrownVice President Florida Public Schools Sales

Trish Neely, CFCIChief Compliance Officer

FBMC Benefits Management, IncTallahassee, Florida

About FBMC Benefits Landscape 1999 - 2013 Evolving Benefit Needs Engaging Employees in Benefit DecisionsStrategies to Offset Medical Expenses The FBMC Experience –

Wellness & Benefit Engagement Solutions Case Study

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ABOUT FBMC

5

ABOUT FBMCSOME OF OUR CLIENT PARTNERS

6

ABOUT FBMC“FBMC OFFERS THE COMPLETE PACKAGE”

EMPLOYEE BENEFITS LANDSCAPE 1999 - 2013

Trends in employer-sponsored health coverage containing over three thousand interviews with non-federal public and private firms.

http://kff.org/private-insurance/report/2013-employer-health-benefits/

EMPLOYEE BENEFITS LANDSCAPEPERCENTAGE OF FIRMS OFFERING HEALTH BENEFITS

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013

2013 – Employer-sponsored insurance covers 149 million Americans

EMPLOYEE BENEFITS LANDSCAPE% LARGE FIRMS OFFERING RETIREE BENEFITS

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013; KPMG Survey of ER-sponsored Health Benefits 1991, 1993, 1995, 1998; HIAA 1988

EMPLOYEE BENEFITS LANDSCAPEAVERAGE ANNUAL PREMIUMS FOR SINGLE & FAMILY COVERAGE

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013

EMPLOYEE BENEFITS LANDSCAPEAVERAGE PERCENT OF PREMIUM PAID BY EMPLOYEES

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013

EMPLOYEE BENEFITS LANDSCAPEHEALTH PLAN ENROLLMENT BY PLAN TYPE

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013; KPMG Survey of ER-sponsored Health Benefits 1993, 1996; HIAA 1988

EMPLOYEE BENEFITS LANDSCAPEOF COMPANIES THAT OFFER SPECIFIC WELLNESS PROGRAMS:

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

EMPLOYEE BENEFITS LANDSCAPEOF COMPANIES THAT OFFER SPECIFIC DISEASE MGT PROGRAMS:

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

EMPLOYEE BENEFITS LANDSCAPEOF COMPANIES USING WELLNESS PROMOTION STRATEGIES:

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

EMPLOYEE BENEFITS LANDSCAPE% COMPANIES USING SPECIFIC WELLNESS EVAL STRATEGIES

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

EMPLOYEE BENEFITS LANDSCAPEER OPINIONS OF COST CONTAINMENT STRATEGIES

Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

EVOLVING BENEFIT NEEDS

Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

EVOLVING BENEFIT NEEDS FINANCIAL UNCERTAINTY

Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

EVOLVING BENEFIT NEEDSEMPLOYEES WANT CHOICES

Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

EVOLVING BENEFIT NEEDS PHYSICAL WELLNESS

Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

EVOLVING BENEFIT NEEDS FINANCIAL WELLNESS

Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

ENGAGING EMPLOYEES OFF SETTING MEDICAL EXPENSES

ENGAGING EMPLOYEES OFF SETTING MEDICAL EXPENSES

Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

How to Help Employees be Better Benefit Consumers

How did you participate in the enrollment process?

Online Enrollment Counselor

Both Enrollment Counselor and Online

Other Did not participate0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

17.5%

55.0%

26.5%

1.0% n/a< 1%

85.0%

10.0%2.0% 2.0%

Palm Beach Duval

The FBMC Experience What District Employees Told Us

Which of the following enrollment methods do you prefer?

0%

20%

40%

60%

21% 11%

58%

11% 0%

24%

n/a

57%

7% 11%

Palm Beach Duval

The FBMC Experience What District Employees Told Us

ENGAGING EMPLOYEES - OFF SETTING MEDICAL EXPENSESEDUCATION AND ENGAGEMENT IS ESSENTIAL

OFF SETTING MEDICAL EXPENSESMEDICAL INSURANCE

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OFF SETTING MEDICAL EXPENSESCRITICAL ILLNESS INSURANCE

Sample Provider Partner

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OFF SETTING MEDICAL EXPENSESPERMANENT LIFE INSURANCE WITH LIVING BENEFITS

Sample Provider Partner

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OFF SETTING MEDICAL EXPENSESACCIDENT INSURANCE

Sample Provider Partner

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OFFSETTING MEDICAL EXPENSESHOSPITAL INDEMNITY INSURANCE

Sample Provider Partner

THE FBMC EXPERIENCE LEARNING LIBRARY

Communications & Education

Informational Videos and Benefit Information

OFF SETTING MEDICAL EXPENSESACCIDENT INSURANCE

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Award-Winning Enrollment Communications Team

THE FBMC EXPERIENCE THEMED ENROLLMENT COMMUNICATIONS

Recognized all M-DCPS work locations that successfully achieved a 30% “commitment” to participate in the new Well Way initiates.

Walk to be Fit Health Coach and Advisor Disease Management Health Assessment

Case Study: M-DCPS Green Light Incentive Program

Reward:$100.00 Fitness PackageBoard Recognition (Top Locations)Trophy/Plaque

CASE STUDY: M-DCPS GREEN LIGHT INCENTIVE PROGRAM

ENROLLMENT PROCESS

Optimal Comp Statement

CASE STUDY: M-DCPS GREEN LIGHT INCENTIVE PROGRAM

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THE FBMC EXPERIENCE ENROLLMENT TECHNOLOGY

Benefits Management Center Open Enrollment, New Hire, Change in Status

77%

23% Engaged in a

Well Way Program

Did not engage

Of the employees that were seen…

M-DCPS Green Light IncentiveTHE RESULTS

8,006 EE committed to enrolling in a Well Way

Program

# of Well Way Programs in which one employee engaged

M-DCPS GREEN LIGHT INCENTIVE THE RESULTS

THANK YOU!www.FBMC.comFBMC Benefits Management, Inc

Tallahassee, Florida

Trish Neely, CFCIChief Compliance

Officertneely@fbmc.com

Barb BrownVP, Florida Public

Schools Salesbbrown@fbmc.com