Gentle Approach

Although employers are attracted to the savings generated by our plan (typically $40 - $50 per employee per month),
we often hear that the idea of a $2000 deductible is a bit difficult to digest, especially in organizations where
employees have not traditionally been exposed to health expenses. Keep in mind that three key facts make the
Benicomp Advantage solution flexible enough for virtually any environment:

The credit categories are flexible
The qualifying criteria is flexible
The dollar value of each category is flexible

Of course lowering the dollar value and loosening the criteria will offset the savings generated but this flexibility
allows the stage to be set for a multi-year phased in approach.If your objective is to provide a gentle phased-in
approach for your employees, consider a modified plan design. Because this strategy does not immediately shift as
much cost to your employees, it will not provide the immediate 15-20% plan savings in year one. However, this approach
will allow you to drive a very high level of participation in a comprehensive health screening, promote a wellness culture,
reward the positive lifestyles and cover the costs of the program through plan savings. For example:

The first important change you will note is the addition of a fifth credit category. This fifth category will be tied to
“Participation in a Health Risk Assessment”. This accomplishes the following:

All employees are assured of earning at least one credit.
Credit is tied to participation, not outcomes
Valuable data regarding an employee’s overall health risk can be gathered and shared.
Results can be shared with Disease Management, EAP and other approved vendors

Credit Categories	Years One and Two Goals	Year Three Goals
Health Risk Assessment	Participation	Participation
LDL Cholesterol	< 160	< 130
Blood Pressure	< 140/90	< 130/85
Body Mass Index	< 29.9	< 27.5
Tobacco/Nicotine	Negative	Negative

Year One – Benefit Plan Design Impact Assumes previous deductible was $300

Health Criteria Met	Base Medical Plan Employee/Family	BCA Benefit Employee/ Family	“Net Deductible” (Base-BCA)
5	1800/3600	1500/3000	300/600
4	1800/3600	1200/2400	600/1200
3	1800/3600	900/1800	900/1800
2	1800/3600	600/1200	1200/2400
1	1800/3600	>300/600	1500/3000

Although far less cost is shifted to employees, the savings generated still typically covers the entire cost of the
Benicomp Advantage program, the Health Risk Assessment and the wellness screenings.
For more information about this approach contact Jim Pshock, Executive Director of Benicomp Advantage at 440-617-9440 or jimpshock@benicomp.com
or visit the BeniComp Advantage website.