In this particular case, the employer had seen a rapid increase to heart related catastrophic claims in the last 3 years and was concerned that their current education and prevention efforts were not effective.
The group consisted of 300 locations nationwide, with a wide variety of field laborers disbursed over various job sites, who were not available to attend the health and wellness fairs held each year. Although biometric screenings were offered at those fairs, this approximate 60% of the workforce didn’t have access to the services offered.
Additionally, the screenings being done were for personal information only and there was no reporting functionality so that the insurance carrier could identify and manage the health-trends before the claims hit the health plan.
We qualified the segment of the workforce trending adversely towards these catastrophic events and cross-reference it to the Large Loss Claim report for validation. Once the segment was identified it enabled the consulting team, along with the client and carrier, to develop a customized wellness program that targeted this workforce specifically and provided statistics back to a single source for ongoing monitoring and support.
This comprehensive wellness initiative with incentives, reporting, and health concierge services should lend to noticeable reduction in large loss claims by year 3. The expectation is to reduce catastrophic claim trending by approximately 3.5%.