Connecting the Dots Between Wellness and Ancillary: An Easy Way to Draw Down Health ... · 2017. 9....
Transcript of Connecting the Dots Between Wellness and Ancillary: An Easy Way to Draw Down Health ... · 2017. 9....
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The opinions expressed in this presentation are those of the speaker. The International Society and International Foundation disclaim responsibility for views expressed and statements made by the program speakers.
Connecting the Dots Between Wellness and Ancillary:
An Easy Way to Draw Down Health Care Costs
Mike Reha, CEBSVice President of Sales and Marketing
EPIC Hearing HealthcarePomona, California
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Agenda
• Importance of healthy senses• How healthy senses impact today’s
workforce• Ancillary benefits and wellness programs• Integrating healthy senses into a wellness
strategy• Real-world cases
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Healthy Senses are Important
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Pop Quiz!
Image Sources: Wikipedia
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Source: Duracell
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True or False?
• Gum disease is not that common.• There's nothing you can do about
preventing sight loss.• Hearing loss only affects the elderly.
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True or False?
• False: HALF of American adults age 30 and older suffer from gum disease.
• False: Regular eye exams and proper safety eyewear can save eyesight.
• False: The majority (65%) of people with hearing loss are younger than age 65.
Sources: CDC, Prevent Blindness, Better Hearing Institute
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Over 70% of the workforce needs vision correction
48 million Americans report some degree of hearing loss.
92% of adults 20 to 64 have had tooth decay in permanent teeth
Eye disease and blindness on the rise
60 percent of the people with hearing loss in the work force or in educational settings.
Nearly 75 percent of American adults suffer from various forms of gum disease
Cataracts affect 1 in 6 aged 40+
Hearing loss is twice as common in people with diabetes
40,000 Americans have oral cancer; only 50% survive after 5 years
A Significant Need
Sources: Vision Impact Institute, Prevent Blindness America. Hearing Loss Association of America., American Diabetes Association, American Dental Hygienist Association, National Institute of Dental and Craniofacial Research
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Hearing Problems are Common
30%
12%58%
Survey of full-time employed Americans
Untreated Hearing Loss
Treated Hearing Loss
Healthy Hearing
Source: EPIC Hearing Healthcare Listen Hear! Employee Survey, 2013
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Impact of Untreated Hearing Loss
95% of employees with
untreated hearing loss report it
impacts them on the job.
Source: EPIC Hearing Healthcare 2013 Listen Hear! Employee Survey
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Impact of Untreated Hearing Loss
Employees with untreated hearing loss admit that they:
• Ask people to repeat what they’ve said (61%)
• Strain to hear over background noise (57%)
• Misunderstand what is being said (42%)
• Pretend to hear when they can’t (40%)
Source: EPIC Hearing Healthcare Listen Hear! Employee Survey, 2013
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Impact of Poor Oral Health
21%miss work due to oral health issues
$720annual earnings loss from losing
a tooth
164 millionwork hours lost
from oral health
problems
Sources: Delta Dental, Bureau of Economic Research, CDC
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Impact of Uncorrected Vision
20% reduction in worker
productivity due to visual impairment
$50 billion+ annual financial burden of major
adult vision disorders
32x more productivity loss
than absenteeism alone due to uncorrected
vision impairments
Sources: Optometry, The Vision Council
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Wellness on the Rise
Source: National Business Group on Health and Fidelity Investments Survey
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Healthy Senses Missing From Employee Wellness Programs!
94%89% 88%
69%
23%16%
Weightcontrol
Exercise Smoking Diabetesmanagement
Vision Hearinghealth
% of Employers Aware of Programs That Address…
.
Sources: EPIC Listen Hear! Live Well Employer Survey, 2015
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Hearing Health is Not Emphasized
Source: EPIC Hearing Healthcare Listen Hear! Live Well Employer Survey, 2015
Hearing health is absent from
92% of wellness programs.
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Impact of Early Detection
• More than 90% of common diseases have oral symptoms and can be detected in the dental chair
• Early detection of chronic diseases with eye exams– Eye exams can diagnose diabetes, high cholesterol
and hypertension– One study showed $4.5 billion in healthcare savings
Sources: Academy of General Dentistry, Vision Monday, VSP Vision Care
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Prevention Can Help Reduce Health Care Costs
• Adults with untreated hearing loss had higher medical bills– Those with hearing loss had 33% higher
health care costs• Link between cardiovascular
and hearing health
Sources: Medical University of South Carolina, Better Hearing Institute
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Unmet Demand for Specialty Benefits
• 46% of employees agree that health benefits are an important factor in their decision to work for their employer
• 55% consider health benefits a good reason to keep working for their employer
Source: Towers Watson
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Benefits Important to Younger Employees
65%
90%
65%
93%
26%
42%
61%
92%
Ancillary
Medical
Ancillary
Medical
Employers' perception of benefits importance% Employees ranked as important
Older Employees
Younger Employees
Source: LIMRA, Ancillary benefit includes vision, life and dental
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Get on the Bundling Bandwagon
• General market trending toward bundling– Can reduce costs– Simplifies administration
• One provider reported a 25% increase with bundling
• Nearly 75% increase in the number of people who get dental benefits in conjunction with other products
Sources: Benefits News, National Association of Dental Plans
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Add Bundled Ancillary to Your Arsenal
Ancillary benefits will enhance:• Finances• Satisfaction• Marketing / engagement• Enrollment
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What are the Costs of . . .
• A hearing aid?• An eye exam and
eye glasses?• A dental cleaning?
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Treatment Costs
Hearing aids cost an average of
$1,500(and up to $5,000) per ear
Without vision insurance, an eye exam and eyeglasses can cost
$667Without dental insurance, a cleaning can cost
$80Sources: National Institutes of Health, AllAboutVision.com, New York Times
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Ongoing Wellness Communication
Integrate healthy senses into
wellness efforts.
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National Health Observances
• May– Better Hearing Month– Healthy Vision Month
• October– National Dental Hygiene Month
• November– National Diabetes Month
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Screenings
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Incentivize Education and Treatment
Reward employees for learning about their
health and for seeking preventive and prompt
treatment.
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Make Sure Healthy Senses are Covered
Ensure care for healthy senses is part of your
overall benefits package.
Coverage should include:• Hearing exams every two
years for adults (annually for kids)
• Twice a year teeth cleaning/exams
• Vision exams every one to two years
• Coverage of or discounts on hearing aids, vision correction and dental treatment
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Real World Perspectives
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Keep Your Ears Open for Smart Value-Adds
• Innovator for improving employee health and performance– On-site health clinics = $2.8 million in health
savings + improved student ACT scores!
– Learned teachers are at higher risk for hearing loss
• Bundled hearing within health plan– Easy administration—no headaches
David Hines Director, Employee Benefits Services
Metro Nashville Public Schools
“The cost is so reasonable.”
“It’s pretty obvious, if I have teachers in classrooms, it’s a good
idea if they can hear.”
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Keep Your Ears Open for Smart Value-Adds
• Planning to track correlation to:– Health issues (depression)– Productivity (absenteeism, performance
evaluations) – Longitudinal factors (life satisfaction)
“Offering hearing insurance makes you the hero for doing something you should
be doing, and will benefit through healthier, more satisfied, better
performing employees.”
David Hines Director, Employee Benefits Services
Metro Nashville Public Schools
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Bundling Ancillary Benefits to Increase Employee Adoption and Promote Preventive Care
• Committed to improving employees’ health and quality of life– Offered stand-alone vision plan– Looking for improvements
Michele BarrettSenior Benefits Administrator
HealthCare Partners
“When you have caring people by nature, it trickles down to caring for employees too.”
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Bundling Ancillary Benefits to Increase Employee Adoption and Promote Preventive Care
• What we like– Employees
• Low cost
• Hearing aid discount extension to family members
– Employers• No hassles!!!
• Personal passion– Michele and her mother have experienced hearing loss
“It’s impressive what you get for pennies. I’m almost disappointed that more people don’t take advantage of hearing insurance, and that they don’t know the
value of having a hearing benefit.”
Michele BarrettSenior Benefits Administrator
HealthCare Partners
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Key Takeaways
1. Hearing, vision and dental problems are increasing in the workforce and have an impact on employee health and productivity.
2. Promote employee hearing, vision and dental health with benefit offerings and wellness programs, to safeguard employee health and productivity, and increase employee satisfaction and well-being.
3. Bundling ancillary benefits provides a cost-effective, efficient approach to providing, servicing and supporting the wider variety of healthcare options your employees want.
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Questions?
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