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Value Based Benefit Design (VBD) Survey

(Integrating Wellness and Health Insurance)
Survey Due Date: Friday, June 8, 2012
NOTE: There is a link to a survey at the bottom of this page.

As all County employees may know, we are facing another year of budget shortfalls; however, healthcare costs continue to rise. The total cost of health insurance is estimated at more than $18 million for the 2013 Plan Year. As a result, there may be a need to increase employee cost through a) higher co-pays for prescriptions and medical services and/or; b) increases in employee premium contributions.

Research has shown that at least 50% of healthcare costs are modifiable and can be decreased when individuals improve their lifestyle behaviors through increased participation in an employer Wellness Program.

One of the ways that Leon County can increase participation by employees in its wellness program is through an employer-driven benefit strategy called Value Based Benefit Design or (VBD). The primary objective of VBD is to slow down the acceleration of healthcare costs by tying the wellness program into the health insurance plan. One of the simplest ways this is done is by offering employee’s a 2.5 point discount or 25% savings on their health insurance premium contribution. In return, the employee participates in certain wellness activities (Health Risk Assessments, Lunch and Learns, Biometric Screenings (Cholesterol, Glucose, and BMI), Weight Loss Programs, Nutrition classes, Gym memberships, etc.). The VBD Program is open to all employees and is totally voluntary and no individual personal health data will be collected, reviewed or retained by Leon County.

Premium Contribution Discount Example:

Employee X currently contributes 12.5% towards the total healthcare premium. Employee X decides to voluntarily participate in designated wellness activities. In return for that participation, Employee X receives a 2.5 point discount on healthcare premium contribution. Employee X now pays 10% of the total healthcare premium instead of 12.5%. For family coverage, this equates to a 25% estimated employee annual premium savings or $451 per year. Please note: The employee premium contribution percentage is established each year by the Board and may change accordingly. Whatever contribution percentage the Board sets, those employees participating in designated wellness activities would be eligible to receive a premium discount.

Please click the link below to complete the survey regarding the Value Based Design (VBD) Health Insurance and Wellness Programs: