Health-E 4 Life is a division of C2 Your Health LLC
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In the poem "An Ambulance Down in the Valley." by Joseph Malens (1895) describes a debate about what is the best way to deal with the problem if they had people falling off this cliff high above the city –
The solution was to:
1) to raise funds to build a fence at the top of the cliff, or
2) to park an ambulance down in the valley for it to efficiently haul people off to the hospital.
A lot of the people asked, "Why build a fence? We've always had an ambulance in the valley and it worked very well. Why should we raise more funds to build a fence?“ A wise man said “an ounce of prevention is worth a pound of cure.”
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The average person goes to the doctor’s office
4 times per year.
Maybe this is you?
1 doctor visit is $174*4 doctor visits per year
adds up to $696 per year
* Average cost per visit
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On average your doctor writes you
12 prescriptions per year. It may seem like a lot however when you factor in antibiotics, high
blood pressure medications and such you can see how it might add up.
1 prescription is $54.34* 12 prescriptions per year
adds up to $652 per year
* Average cost per prescription
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The average number of over the counter (OTC) medications used in one month is 3.
Seem like a lot? Cold, flu, cough, headache, allergy, indigestion, constipation … you?
3 OTC medications per month is $30*
36 OTC medications per year adds up to
$1,080 per year
* Average cost per medication $10.00
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How much money does it cost you to miss work? Do you miss a day of pay,
use up your paid days off and
get behind schedule?
The average person misses 8 days of work due to either their illness or
their children. What’s a day of pay worth to you?
Wage$$ = ??
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4 doctor visits/year $174 = $696
12 Rx/year
$54.34 = $652
36 OTC Meds/year
$30 = $1,080
8 Missed days of work
Wage$$ = ??
$2,428 per year
You’ve saved or spent not
counting your wages
Center for Disease Control 2008www.CindyCohenRN.com
Saving on your medical bills is like having a part-time job!
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84% of all businesses employed less than 500 people
These businesses play a significant role in the state’s employment rates and overall economy
Small businesses are feeling a real pinch from rising insurance and healthcare rates
Businesses need help with wellness solutions for their companies and their employees
Kelly School of Businesshttp://www.incontext.indiana.edu/2010/mar-pr/article2.asp
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For every $1.00 spent on each employee the return on investment is high however very
few employees were impacted
Program ROI EmployeePopulation
Disease management
$7 – 10.00 10 – 15%
Disability management
$7 – 10.00 10 -15%
Medical Costmanagement
$2 – 3.00 5 – 7%
Wellness Council of America 2010
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For every $1.00 spent on each employee the
return on investment is:
Wellness Council of America 2010
Program ROI EmployeePopulation
Wellness $3 – 24.00* 100%
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* ROI depends your wellness interventions & the aggressiveness of your wellness program
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Indiana’s businesses are entitled to a tax credit against their state tax liability in an
amount equal to 50% of the costs incurred for providing a qualified wellness program for the business’ employees during the taxable year.
Eligibility Criteria (http://www.in.gov/isdh/19950.htm)
1) Must be actively engaged in business and
2) On at least 50% of the working days during the preceding calendar year must have employed at least 2 but no more than 100 eligible employees. The majority of whom work in Indiana.
Qualified Wellness Program: - A wellness program that is certified by the Indiana State Department of Health under IC 16-46-13.
For full legislation details please visit the link below http://www.in.gov/legislative/ic/code/title6/ar3.1/ch31.2.html
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For a wellness program to become an Indiana State Department of Health Certified Wellness Program, the plan must include all of the following components:
1. Employee appropriate weight loss
2. Smoking cessation; and
3. Pursuit of preventative health care services
Each of the above components must include the following:
i. Assessments
ii. Intervention-Educational Materials
iii. Rewards Program
iv. Measurement Tool
Sample Wellness Plan Outline (http://www.in.gov/isdh/files/WellnessPlanOutline2.pdf)
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1. Employee appropriate weight loss
Assessment
Intervention-Educational Materials
Rewards Program
Measurement Tools
Reduced risk
factors related to
obesity
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2. Smoking Cessation
Rewards Program
Measurement ToolsAssessment
Intervention-Educational Materials
Reduced risk
factors related to
smoking
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3. Pursuit of preventative health care services
Assessment
Intervention-Educational Materials
Rewards Program
Measurement Tools
Reduced risk
factors related to
all disease
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3. Pursuit of preventative health care services
Assessment
Intervention-Educational Materials
Rewards Program
Measurement Tools
2. Smoking CessationAssessment
Intervention-Educational Materials
Rewards Program
Measurement Tools
1. Employee appropriate weight loss
Assessment
Intervention-Educational Materials
Rewards Program
Measurement Tools
Indiana Department of Health 2011
Ball State University
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Contact information:
Name of business - Contact name
Address
Phone number
Email Address
Employee appropriate weight loss
1. Assessments
2. Intervention - Education
3. Rewards Program
4. Measurement Tool
Smoking cessation
1. Assessments
2. Intervention - Educational
3. Rewards Program
4. Measurement Tool
Pursuit of preventative health
care services
1. Assessments
2. Intervention - Educational
3. Rewards Program
4. Measurement Tool
Sample Wellness Plan Checklist(http://www.in.gov/isdh/files/Small_Employer_Application_Checklist_11.10.pdf)
Indiana Department of Health 2011
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Employee appropriate weight loss
AssessmentsBiometric data as part of our annual health screening including, height, weight, body fat, to measure weight gain/loss.
Intervention – Educational MaterialsBrochures, presentations and pamphlets
Monthly wellness newsletter including overview of the positive lifestyle changes and healthy eating choices.
Employer paid weight loss program such as Weight Watchers, Lifestep's Weight Management, etc.
Employer paid fitness program, gym memberships
Rewards ProgramRewards are based on the success of achievement of personal health goals
Rewards for participation/completion in wellness campaigns such as t-shirts, paid time off, gift cards etc.
“Walking to Hawaii” Gym Shoes = 10,000 steps per month x 4 months
Measurement ToolComparative results using the annual aggregate report provided looking at employee biometric/laboratory measures
Testimonials from employees about steps taken toward weight loss
Indiana Department of Health 2011
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Smoking Cessation
AssessmentsAnnual health risk assessment from in conjunction with our health screening that identifies employees who by self-
reported methods.
Intervention – Educational MaterialsBimonthly wellness newsletter including smoking cessation
Wellness brochures and smoking cessation materials and referral sources
Pay to attend a stop smoking class on or off worksite
Rewards ProgramRewards are based on the success of achievement of personal health goals
Rewards for smoking cessation class/coaching completion such as t-shirts, paid time off, gift cards etc.
Discount on medical plan premium for quitting
Measurement ToolComparative results using the annual aggregate report provided looking at employee biometric/laboratory measures and
self-reported smoking status
Testimonials from employees about their experiences
Indiana Department of Health 2011
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Pursuit of preventative health care services
AssessmentsAnnual health risk assessment in conjunction with our health screening that identifies employees that are ready to
make positive health behavior changes such as exercising, losing weight, and eating healthier
Reporting on about how many of your employees went in for routine preventative services
Biometric Data/Laboratory Evaluation as part of the annual health screening including total cholesterol, HDL, LDL,
cholesterol ratio, glucose, and triglycerides as well as height, weight and body fat that educates employees about
their levels before they reach an unhealthy level
Intervention – Educational MaterialsFlyers and brochures that are specific to certain health conditions and wellness
Monthly wellness newsletter including online resources
Flu shots provided onsite at no cost in October
Wellness hour every month for employees to use at their discretion
Team development for American Heart Association Walk/American Cancer Society Relay for Life
Rewards ProgramRewards are based on the success of achievement of personal health goals
Rewards for participation/completion in wellness campaigns such as t-shirts, paid time off, gift cards etc.
“21 day challenge” … Eat 3 servings for fruits …. 7 servings of vegetables …. Drink 8 cups of water
Measurement ToolComparative results using the annual aggregate report provided looking at employee biometric/laboratory measures
Medical claim data comparison -Participation rates in health campaigns and initiatives
Indiana Department of Health 2011
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Assessment Intervention/Educational materials Rewards program Measurement tool
Pursuit of preventative health care
services
Employee appropriate
weight loss
Smoking
cessation
1 23
Samples & Examples
Action steps, health
coaching, pamphlets,
magazines newsletters,
posters, access to
websites,
Health risk
assessment, health
coaching, blood
pressure, body mass
index, cholesterol
screenings
Reduced health
insurance, paid
time off, gift cards,
health related
prizes and/or gift
certificates
Participation rates,
behavior change ,
testimonials , employee
satisfaction,
aggregate data
Indiana Department of Health 2011
Ball State University
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- Commit to a worksite wellness program, seek the assistance of a qualified vendor.
- Develop an outline of your wellness plan using the established criteria.
-Notify vendor that you want to apply for the wellness tax credit.
- Submit your plan by email to Indiana Dept of Health via the online application process.
-The applications are reviewed by a designated board to be approved or deferred. The advisory board meets approximately 4 times a year. (January, April, July, October 2011)
-Once approved by the board, a certificate will be sent to the applying business.
-The certificate is to be submitted with tax preparation to the Indiana Department of Revenue. Seek the assistance of your tax preparer.)
3. Pursuit of preventative health care services
Assessment
Educational Materials
Rewards Program
Measurement Tools
2. Smoking Cessation
Assessment
Educational Materials
Rewards Program
Measurement Tools
1. Employee appropriate weight loss
Assessment
Educational Materials
Rewards Program
Measurement Tools
www.wellnesstaxcredit.in.govwww.stateofwellness.org (webinar)
Indiana Department of Health 2011
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Identify your company’s wellness goals Get some help from a qualified wellness company to
assist you with:1. The development of your wellness plan
2. The application process for the Indiana Small
Employer Tax Credit
3. Help you implement your wellness program
4. Assist you in continuous improvement with a focus a well workplace
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Health-E 4 Life is a division of C2 Your Health LLC
www.GetHealthE4Life.com
Cindy Cohen RN, Health Coach
C2 Your Health LLC, Owner
Cell phone 800-245-8917
http://www.CindyCohenRN.com
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