Stewardship Benefit PlanStewardship Benefit Plana Report from the Fielda Report from the Field

Survey & Claim Data presented bySurvey & Claim Data presented by

David G. Wegge, Ph.D.David G. Wegge, Ph.D.

MethodologyMethodology

CPA FirmCPA Firm 3 Years Ago: $500 Deductible Plan3 Years Ago: $500 Deductible Plan Changed to Stewardship Plan in 2008Changed to Stewardship Plan in 2008 Current Year: $2000+ Deductible Plans are the Current Year: $2000+ Deductible Plans are the

choice of 95% of Employeeschoice of 95% of Employees Surveys administered at reenrollmentSurveys administered at reenrollment 400 enrolled out of 600 eligible employees400 enrolled out of 600 eligible employees 341 completed questionnaires341 completed questionnaires 85% completion rate85% completion rate

Group CharacteristicsGroup Characteristics

9 Cities in the Midwest / US9 Cities in the Midwest / US

65.5% Women / 31% Men65.5% Women / 31% Men

36.6% Hourly / 62.3% Salaried36.6% Hourly / 62.3% Salaried

9.2% = 9.2% = HHad the Plan ad the Plan lless than One Yearess than One Year90.8% = Second Year of the Plan90.8% = Second Year of the Plan

Sample CharacteristicsSample Characteristics

Coverage TypeCoverage Type 52.7% = Employee Only52.7% = Employee Only

23.2% = Employee + Spouse23.2% = Employee + Spouse

19.4% = Family19.4% = Family

4.7% = Employee + Children4.7% = Employee + Children

Age Age (In Years)(In Years)

12.3%12.3% 18-24 18-24 28.3%28.3% 25-3425-34 20.3%20.3% 35-4435-44 21.7%21.7% 45-5445-54 16.7%16.7% 55-6455-64 .7%.7% 65 & Over65 & Over

Overall Employee Satisfaction Overall Employee Satisfaction with the Benefit Planwith the Benefit Plan

2% 1% 1%2%

5%

10%

17%

31%

18%14%

0%

5%

10%

15%

20%

25%

30%

35%

1 2 3 4 5 6 7 8 9 10

1 = Not At All Satisfied 10=Completely Satisfied

YOUR YOUR DEDUCTIBLEDEDUCTIBLE??

4%10%

27%

59%

0%

10%

20%

30%

40%

50%

$500 $2,000 $2,300 $3,500

1=Not Satisfied 5 = Totally Satisfied

Satisfied with your HSA plan?Satisfied with your HSA plan?(Health Savings Account)(Health Savings Account)

0% 3%

17%

41% 40%

0%

10%

20%

30%

40%

50%

1 2 3 4 5

1=Not Satisfied 5 = Totally Satisfied

You and/or Your Family = You and/or Your Family = Doctor Visits/YearDoctor Visits/Year

13%

38%

23% 25.50%

0%

10%

20%

30%

40%

50%

None One-Two Three-Five Six+

1=Not Satisfied 5 = Totally Satisfied

Do you like having Deductible Do you like having Deductible Choices in your Plan?Choices in your Plan?

Definitely NOT1%

Generally NOT2%

Generally24%

Definitely73%

Did Benefit Savings Dollars Did Benefit Savings Dollars available Impact the Size of available Impact the Size of Deductible you selected?Deductible you selected?

Yes, Higher61%

Yes, Lower8%

No Impact31%

Has Choice of Deductible Has Choice of Deductible Affected Your Use of PPO Affected Your Use of PPO Doctors?Doctors?

Use More PPO19%

No Impact78%

Use Less PPO3%

Have you used your HSA Have you used your HSA Account?Account?

YES76%

NO24%

How Do You Plan To Use Your How Do You Plan To Use Your Health Savings Dollars?Health Savings Dollars?

Save For Future

60%

Spend Each Year

40%

How Does this Benefit Plan How Does this Benefit Plan Impact Your Behavior?Impact Your Behavior?

98%

87%

70%

88%

91%

89%

82%

0% 20% 40% 60% 80% 100% 120%

Ask Doctor More Questions

Have enough information to make decisions

Look More Closely at Medical Bills

I Like Responsibilty for Health Care

Have Become More Knowedgeble

More Aware of Health Care Costs

Good Health Today Saves Me Money in Future

ConclusionConclusion

The The StewardshipStewardship Benefit Plan Benefit Plan is a Positive Change for a majority is a Positive Change for a majority

of Employees, and a Positive of Employees, and a Positive Introduction to Introduction to aa SStrategy of: trategy of:

Consumer Driven Health CareConsumer Driven Health Care

Were the People Were the People COURTEOUS @butler?COURTEOUS @butler?

0% 1%3%

25%

62%

0%

10%

20%

30%

40%

50%

1 2 3 4 5

1=Not Satisfied 5 = Totally Satisfied

Were they Knowledgeable Were they Knowledgeable @butler?@butler?

Somewhat18%

VERY82%

Were you Satisfied with their Were you Satisfied with their Knowledge?Knowledge?

0% 2%

10%

36%

50%

0%

10%

20%

30%

40%

50%

1 2 3 4 5

1=Not Satisfied 5 = Totally Satisfied

Were they AVAILABLE for you Were they AVAILABLE for you @butler?@butler?

0% 0%

11%

38%

50%

0%

10%

20%

30%

40%

50%

1 2 3 4 5

1=Not Satisfied 5 = Totally Satisfied

Were they HELPFUL?Were they HELPFUL?

0% 1%

8%

29%

60%

0%

10%

20%

30%

40%

50%

1 2 3 4 5

1=Not Satisfied 5 = Totally Satisfied

How was the Service with How was the Service with @butler via Phone?@butler via Phone?

3%8%

15%

32%

42%

0%

10%

20%

30%

40%

50%

1 2 3 4 5

1=Not Satisfied 5 = Totally Satisfied

How was the Service with How was the Service with @butler via eMail?@butler via eMail?

5%3%

16%

38% 38%

0%

10%

20%

30%

40%

50%

1 2 3 4 5

1=Not Satisfied 5 = Totally Satisfied

Would you recommend @butler?Would you recommend @butler?

YES91%

NO9%