2012 Chamber of the Year Award Application | Page 1

SECTION 4-B: Leading Businesses. Leading Communities.™

Synopsis #2

1: Program/Service Name

Lubbock ChamberWellness Program

2: The Core Chamber Strength(s) Addressed

Economic Opportunity: The Chamber enhanced an existing partnership by leveraging talents and resources of member partners to improve economic opportunities.

3: Program/Project Summary

The Lubbock ChamberWellness Program was launched in 2011 as a major added benefit to the very successful six-year-old Lubbock Chamber Employer Health Plan. Key outcomes:

Successfully reinvented a previously unsuccessful, non incentive-based wellness program

Gave smaller businesses access to a financially incentivized, comprehensive wellness program previously available only to large employers

Partnered with a local member with a nationwide wellness portfolio to promote wellness at the employer/employee level

Sustained the Chamber Employer Health Plan from affordability, risk management, retention and federal health care reform standpoints

Roughly one-quarter of the Chamber’s membership (61% of those enrolled in the Chamber Employer Health Plan) participated the first year and immediately lowered their insurance premiums.

2012 Chamber of the Year Award Application | Page 2

4: Needs Identification

The target audience for the ChamberWellness Program was Lubbock employers already enrolled or potentially enrolled in the Chamber Employer Health Plan, their employees and agents marketing the Chamber Employer Health Plan.

Member survey feedback indicated a strong interest in workplace wellness programs, and authoritative findings pointed to direct and indirect savings from workplace wellness programs.

Despite high employer interest in wellness, the actual utilization of a previous, less structured and less comprehensive wellness program was less than 0.1% of those enrolled in the Chamber’s plan, pointing to the need for a more robust and comprehensive wellness partnership.

Local health statistics and reimbursement data from the Chamber’s own health plan demonstrated a clear need to address wellness among participants in order to continue to sustain the plan and as part of fulfilling our mission to strengthen, promote and serve our member businesses.

Finally, the Chamber and its health plan partners saw potential for the role of wellness benefits in complying with the federal health care reform requirements in 2014.

See exhibits: LCOC- CW Member Wellness Survey LCOC- CW Counting Costs and Calories

Comptroller Report LCOC- CW Prevention Magazine Workplace

Wellness LCOC- CW Chamber Employer Health Plan

Reimbursement Data

“Left unchecked, obesity could cost

employers $32.5 billion annually by

2030. Obesity-related costs also

contribute to rising health care and

insurance costs that have forced

some Texas employers to reduce

insurance coverage.” – Texas

Comptroller Susan Combs

2012 Chamber of the Year Award Application | Page 3

5: Program Objectives

With experience gained from previously less-than-successful efforts to establish a wellness program, the Chamber set forth these objectives:

Negotiate, on behalf of businesses, a premium incentive discount for employers who fulfill virtually 100% employee participation

Partner with a wellness administrator, preferably a local chamber member, to establish and administer such a plan

Address overall Health Plan sustainability by structuring a wellness program to strategically address compliance with 2014 federal health care reform as well as by keeping enrollment retention above 95%

Achieve at least 40% participation in ChamberWellness among Chamber Employer Health Plan participants by the September 2011 renewal

Collect sufficient biometric health data for future risk management, acute or urgent condition intervention and targeted health coaching.

See exhibits: LCOC-CW 2011-2013 Strategic Plan Health Plan Wellness Excerpts LCOC-CW Private Purchase Cooperative Board Meeting Agenda LCOC-CW Private Purchase Cooperative Board Meeting Minutes

2012 Chamber of the Year Award Application | Page 4

6: Methodology

To accomplish the objectives of the ChamberWellness program, the Chamber took the following actions:

Negotiated premium discount incentives with insurance carrier/partner Consulted with local wellness administrator, iaWellness, to determine

feasibility of extending their wellness programs to smaller employers under the Chamber’s cooperative-based umbrella

Finalized wellness program, including: o web portal with information and online Health Risk Assessment

(HRA) o health data collected through minimally invasive blood draw for

each participant o coaching calls with licensed

health coaches to discuss HRA and lab results as well as fitness or dietary recommendations

o 5% premium discount for employers with virtually 100% employee participation in the blood draw, completion of HRA and a coaching call

Rolled out wellness program to insurance agents, along with a sales incentive

Launched communications, marketing and outreach efforts to Chamber members and the business community

Hosted two employer meetings and webinars where wellness program and incentive were introduced

Evaluated first-year feedback and negotiated an additional incentive premium discount for employers re-enrolling in the wellness program.

Website: www.chamberwellness.com

See exhibits: ChamberWellness Budget

2012 Chamber of the Year Award Application | Page 5

7: Communications

The Chamber’s communications strategy was executed in two phases using a variety of internal and external communications vehicles.

Phase I Vehicles Target Audience Communication Points/Calls to Action

Member Communications (Email Blasts, Social Media, Newsletter)

Kickoff meeting/Webinars

Chamber members

Take advantage of a new major added benefit to already successful insurance program; take advantage of premium discount; details of program; benefits of wellness in workplace

News Release

External TV Advertising

Radio Interviews

Presentations to Civic Organizations

Promotions at Events

Prospective members, Chamber members

Items above and: added value of Chamber membership and now part of an already successful program; call for more information

Internal Chamber-to-Agent Communications

Agent Rollout Meeting

Chamber Employer Health Plan, brokers/agents

Sell the wellness program! Requirements and details of program; agent incentives

Phase II Vehicles Target Audience Communication Points/Calls to Action

Email blasts, pamphlets (Spanish and English), dedicated web portal, direct mail pieces

Employers and their employees enrolled in ChamberWellness

Details of participation, deadlines and dates; information about testing and results, wellness tips

Video: ChamberWellness TV Ad

2012 Chamber of the Year Award Application | Page 6

See exhibits: LCOC-CW News Release LCOC-CW August 2011 Newsletter LCOC-CW Overview Flyer LCOC-CW Webinar Flyer LCOC-CW Employer Intro Guide LCOC-CW Participant Biometric

Screening Guide English & Espanol LCOC-CW Participant Biometric Results

Letter and Form

2012 Chamber of the Year Award Application | Page 7

8: Evaluation

Initial goals and results include:

Partner with a wellness consultant to administer such a plan: o The Chamber partnered with iaWellness that has an established

wellness consulting client-base nationwide. Negotiate a premium incentive discount for employers:

o The Chamber’s Health Plan partner, FirstCare, agreed to a 5% premium discount for employers in the first year, conditional on virtually 100% employee participation. This increases to 7.5% the second year and 10% the third year.

o In the first year of ChamberWellness, participating employers saved a total combined $1,257,070 through this discount.

Structure a wellness program to comply with 2014 federal health care reform:

o In 2014, private insurers must spend at least 85% of premium dollars on direct medical costs. Wellness program expenses are set outside of these calculations, allowing the Chamber to provide a robust benefit to members while complying with federal law.

Promote the plan through communications efforts, culminating in employer “Kickoff Meetings” to roll out ChamberWellness:

o Attendance over two meetings in summer 2011 totaled 850.

Increase wellness program participation from 0.1% to at least 40% through incentives, communications and agent sales:

o 61% of those enrolled in the Health Plan participated in the ChamberWellness plan’s first year (one-quarter of the Chamber’s total members and 3,373 individuals).

Help sustain the Chamber Employer Health Plan by ensuring a minimum 95% retention rate each renewal period:

o The combined premium discount incentive and wellness benefit resulted in a 97% renewal retention rate.

“Eddie, I just completed my Firstcare Biometric Screening.

Thank you and the Chamber for (i) offering Firstcare to the

membership and (ii) doing something to encourage better

health.” – John Crews; Crenshaw, Dupree and Milam

2012 Chamber of the Year Award Application | Page 8

Collect health data for future risk management, acute or urgent condition intervention and targeted health coaching:

o Urgent health interventions were made with 561 Chamber members after health screenings indicated a high risk for heart attack, stroke, diabetes, etc.

o Proprietary executive reports allow the partners to craft future wellness and prevention efforts and messages.

See exhibits: LCOC-CW Executive Report LCOC-CW Biometric Data Report LCOC-CW Testimonials