CYPRESS CLIENT PANEL. How Cypress Clients are Successfully Addressing their Benefit Offering Needs. Natasha Plank-Ottum, Plank Enterprises

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1 CYPRESS CLIENT PANEL How Cypress Clients are Successfully Addressing their Benefit Offering Needs Natasha Plank-Ottum, Plank Enterprises

2 Plank Enterprises, Inc. Our Journey to Cost-Effective Worksite Wellness Plank Enterprises, Inc. Our Journey to Cost-Effective Worksite Wellness Natasha Plank-Ottum, CEO Plank Enterprises, Inc. Natasha Plank-Ottum, CEO Plank Enterprises, Inc.

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6 Four Platforms for Cost Containment Self-Insurance Consumer-Driven Incentives On-Site/Near Site Proactive Primary Care Value-Based Purchasing with Price Transparency Employers are key to driving change

7 Consumer Driven Plan Design Primary Care Medical Home Partially Self-funded policy (Group Captive) Increased deductibles, co-insurance Max out-of-pocket increased Maintained Premiums (PCMH) Small group meetings inviting employees to partner in the solution Constructed 1,100 sq ft On-Site Clinic Free Primary Care Free Physical Therapy Annual Adult Comprehensive Exam with blood work (required) Biometrics for total population Care coordination programs; Dialysis, Oncology, Obesity, Diabetes Direct Contract with bundled pricing for select Specialty Care procedures Wellness Program Requirements Price transparency

8 Benefits to Enrolled Participants Free Annual Adult Comprehensive Exam and lab work No Co-pays with PCMHC Unlimited office visits at no charge Personal, un-rushed appointments (avg. 30 minutes) Phone/ access to physician On-line scheduling Secure on-line lab results 30-50% differential on premiums On-site and off-site locations Employees paid during on-site clinic visits Same day or next day appointments guaranteed Deep discounts for procedures and lab costs Reduced time off to visit medical provider

9 HEALTH INSURANCE PLAN SUMMARY to Description Traditional Plan HDHP/HSA Premiums 25% - 30% Employee Contribution 22% to 30% Employee Contribution (PCMHCParticipant Non-Tobacco User) Deductible $2,000 / $4,000 $2,750 / $5,500 Coinsurance 80% In Network 80% In Network 60% Out of Network 60% Out of Network Coinsurance $2,000 / $4,000 In Network $3,500 / $7,000 In Network Out-of-Pocket Limit $3,500 / $7,000 Out of Network $5,000 / $10,000 Out of Network Emergency Room 100% After $300 Co-Pay 80% After Deductible Office Visits 100% After $100 Co-Pay In Network 80% In Network 60% After $100 Co-Pay Out of Network 60% Out of Network PT/OT 100% After $25 Co-Pay 60% After $25 Co-Pay Preventative Care 100% In Network 100% In Network Office Visits 60% Out of Network 60% Out of Network Specialist Care 100% After $200 Co-Pay In Network 80% In Network Office Visits 60% After $200 Co-Pay Out of Network 60% Out of Network Urgent Care 100% After $100 Co-Pay In Network 80% In Network Office Visits 60% After $100 Co-Pay Out of Network 60% Out of Network

10 Employee Out-Of-Pocket Comparison ONSITE CLINIC/NEAR SITE OTHER PROVIDER* Preventative Care $0 Preventative Care $0 Office Visit $0 Office Visit $100 co-pay Specialty Care $0 Urgent Care $0 ER $0 PT $0 Specialty Care Urgent Care ER PT $200 co-pay $100 co-pay $300 co-pay $25 co-pay $0 w/ bundled pricing arrangement * Deductibles and Co-Insurance Apply

11 Top 5 Chronic Conditions 1. Overweight/Obesity 2. High Blood Pressure 3. Tobacco Use 4. Sinus Infection/Upper Respiratory Infection 5. Elevated LDL

12 Plank Enterprises 2016 Health Scores 25% 23.8% 21.1% 8.3% have a high risk score 41.3% have a moderate risk score 50.4% have a low risk score 20% 15% 10% 8.3% 16.5% 7.3% 8.3% 11.0% 5% 3.7% 0% Under Source: SimplyWell Health Score Summary Report

13 Migration Example-Triglycerides Triglycerides 2015 Low: <101 Moderate: High: > N-Size Decreased Risk Stayed the Same Increased Risk Low: < % 6.00% Moderate: % 0.00% 0.00% High: > % 37.50% Total % 80.65% 4.84% % 6.5% 12.9% % 4.8% 8.1% Change 6.5% -1.6% -4.8% Risk is based off the SimplyWell Health Score

14 Impact of Wellness Program and On-Site Clinic 74% increase in Primary Care expenses 69% decrease in In-Patient claims 61% decrease in Specialty Care claims 81% decrease in ER/Urgent Care claims 99% Generic Substitution rate 96% Generic Utilization rate Total loss ratio = < 40% Decreased cost per covered life by 36% 2015 Added more wellness initiatives Increased profit sharing contribution for employees

15 Total Cost of Program COST OF PROGRAM PER EMPLOYEE $ per month/$8,100 per yr COST OF PROGRAM PER LIFE $ per month/$4,400 per yr Kaiser Family Foundation National Average (premiums only)* $20,000 annually/family* Plank 2015 $ 11,000 annually/family Plank program costs include on-site clinic, premiums, claims, captive capital, fees/commissions, wellness program, rewards

16 Summary of Plank Ent. CDHP Self-funded, participating in group captive PCMHC participant plan, HDHP w/ HSA Co-Insurance of 20% In-network Premiums unchanged for 3 years Maximum out-of-pocket ranging from $2000 to $7000 pp Required annual physicals, including lab draws, nicotine testing Biometrics for total population tracked for migration and aggregate progress Free on-site clinic, physicians and physical therapy (advises on-floor/office ergonomics) Free vaccinations and flu shots, Hep C screenings Proactive management of chronic diseases, coaching and prescription management Care Coordination/Disease Management Programs -Dialysis, Cancer, Obesity, Diabetes Price Transparency-Alithias Cash rewards for choosing Centers of Value ($1,500 max/per year) On-line Rewards Store for completion of wellness program activity Direct Contract/Bundled Pricing free elective surgical procedures Orthopedics Tobacco Cessation Program Tobacco Free Premium On-Site Wellness Seminars On-line Wellness/Health score tracker, education modules, reward store Medically-managed Weight Loss/Management program Free 6 week-kickstart personal training

17 MCCI Score 100 MCCI Score vs. ITD Claims Ratio (minimum of 24 months) y = x R² = % 50% 100% 150% 200% 250% 300% 350% ITD Claims Ratio

18 MCCI Score MCCI Score vs Aggregate Increase y = x R² = % 0% 20% 40% 60% 80% 100% 120% Aggregate Increase

19 Employee Testimonials

20 Questions?