"Engaging Employees In Benefit Decisions : Off setTing Medical Expenses"

1. "Engaging Employees In Benefit Decisions: Off setTing Medical Expenses" Engagement methods for health, wellness & benefit programs.

2. Barb Brown • Vice President Florida Public Schools Sales • Trish Neely, CFCI • Chief Compliance Officer • FBMC Benefits Management, Inc • Tallahassee, Florida

3. About FBMC • Benefits Landscape 1999 - 2013 • Evolving Benefit Needs • Engaging Employees in Benefit Decisions • Strategies to Offset Medical Expenses • The FBMC Experience – • Wellness & Benefit Engagement Solutions • Case Study

4. About FBMC

5. About FBMCSome of our Client Partners

6. About FBMC“FBMC offers the Complete Package”

7. Employee Benefits Landscape 1999 - 2013 Trends in employer-sponsored health coverage containing over three thousand interviews with non-federal public and private firms. http://kff.org/private-insurance/report/2013-employer-health-benefits/

8. Employee Benefits LandscapePercentage of Firms Offering Health Benefits Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013 2013 – Employer-sponsored insurance covers 149 million Americans

9. Employee Benefits Landscape% Large Firms offering retiree benefits Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013; KPMG Survey of ER-sponsored Health Benefits 1991, 1993, 1995, 1998; HIAA 1988

10. Employee Benefits LandscapeAverage Annual Premiums for Single & Family Coverage Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013

11. Employee Benefits LandscapeAverage Percent of Premium Paid by Employees Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013

12. Employee Benefits LandscapeHealth plan enrollment by plan type Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2013; KPMG Survey of ER-sponsored Health Benefits 1993, 1996; HIAA 1988

13. Employee Benefits Landscapeof Companies that offer Specific Wellness programs: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

14. Employee Benefits Landscapeof Companies that offer Specific disease mgt programs: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

15. Employee Benefits Landscapeof Companies Using Wellness promotion strategies: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

16. Employee Benefits Landscape% Companies using specific wellness eval strategies Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

17. Employee Benefits landscapeER opinions of cost containment strategies Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2013

18. Evolving Benefit Needs Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

19. Evolving Benefit needs Financial Uncertainty Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

20. Evolving Benefit NeedsEmployees want Choices Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

21. Evolving Benefit Needs Physical Wellness Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

22. Evolving Benefit Needs Financial Wellness Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

23. Engaging employees Off setting Medical expenses

24. Engaging Employees Off setting Medical expenses How to Help Employees be Better Benefit Consumers Insights from MetLife’s 12th Annual U.S. Employee Benefit Trends Study

25. The FBMC Experience What District Employees Told Us How did you participate in the enrollment process?

26. The FBMC Experience What District Employees Told Us Which of the following enrollment methods do you prefer?

27. Engaging Employees - Off setting Medical expensesEducation and Engagement is Essential

28. Off setting Medical expensesMedical Insurance

29. Off setting Medical expensesCritical Illness Insurance Sample Provider Partner

30. Off setting Medical expensesPermanent Life Insurance with Living Benefits Sample Provider Partner

31. Off setting Medical expensesAccident Insurance Sample Provider Partner

32. Offsetting medical expensesHospital Indemnity Insurance Sample Provider Partner

33. The FBMC Experience Learning Library • Communications & Education • Informational Videos and Benefit Information

34. Off setting Medical expensesAccident Insurance

35. The FBMC Experience Themed Enrollment Communications Award-Winning Enrollment Communications Team

36. Case Study: M-DCPS • Green Light Incentive Program Recognized all M-DCPS work locations that successfully achieved a 30% “commitment” to participate in the new Well Way initiates. • Walk to be Fit • Health Coach and Advisor • Disease Management • Health Assessment Reward: $100.00 Fitness Package Board Recognition (Top Locations) Trophy/Plaque

37. Case Study: M-DCPS Green Light Incentive ProgramEnrollment Process

39. Case Study: M-DCPS Green Light Incentive Program Optimal Comp Statement

40. The FBMC Experience Enrollment Technology Benefits Management Center Open Enrollment, New Hire, Change in Status

41. M-DCPS Green Light Incentive THE RESULTS Of the employees that were seen… 8,006 EE committed to enrolling in a Well Way Program # of Well Way Programs in which one employee engaged

42. M-DCPS Green Light Incentive The Results

43. Trish Neely, CFCI • Chief Compliance Officer • tneely@fbmc.com • Barb Brown • VP, Florida Public Schools Sales • bbrown@fbmc.com THANK YOU! www.FBMC.com • FBMC Benefits Management, Inc • Tallahassee, Florida