Post on 11-Jun-2015
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Stewardship Benefit PlanStewardship Benefit Plana Report from the Fielda Report from the Field
Survey & Claim Data presented bySurvey & Claim Data presented by
David G. Wegge, Ph.D.David G. Wegge, Ph.D.
MethodologyMethodology
CPA FirmCPA Firm 3 Years Ago: $500 Deductible Plan3 Years Ago: $500 Deductible Plan Changed to Stewardship Plan in 2008Changed to Stewardship Plan in 2008 Current Year: $2000+ Deductible Plans are the Current Year: $2000+ Deductible Plans are the
choice of 95% of Employeeschoice of 95% of Employees Surveys administered at reenrollmentSurveys administered at reenrollment 400 enrolled out of 600 eligible employees400 enrolled out of 600 eligible employees 341 completed questionnaires341 completed questionnaires 85% completion rate85% completion rate
Group CharacteristicsGroup Characteristics
9 Cities in the Midwest / US9 Cities in the Midwest / US
65.5% Women / 31% Men65.5% Women / 31% Men
36.6% Hourly / 62.3% Salaried36.6% Hourly / 62.3% Salaried
9.2% = 9.2% = HHad the Plan ad the Plan lless than One Yearess than One Year90.8% = Second Year of the Plan90.8% = Second Year of the Plan
Sample CharacteristicsSample Characteristics
Coverage TypeCoverage Type 52.7% = Employee Only52.7% = Employee Only
23.2% = Employee + Spouse23.2% = Employee + Spouse
19.4% = Family19.4% = Family
4.7% = Employee + Children4.7% = Employee + Children
Age Age (In Years)(In Years)
12.3%12.3% 18-24 18-24 28.3%28.3% 25-3425-34 20.3%20.3% 35-4435-44 21.7%21.7% 45-5445-54 16.7%16.7% 55-6455-64 .7%.7% 65 & Over65 & Over
Overall Employee Satisfaction Overall Employee Satisfaction with the Benefit Planwith the Benefit Plan
2% 1% 1%2%
5%
10%
17%
31%
18%14%
0%
5%
10%
15%
20%
25%
30%
35%
1 2 3 4 5 6 7 8 9 10
1 = Not At All Satisfied 10=Completely Satisfied
YOUR YOUR DEDUCTIBLEDEDUCTIBLE??
4%10%
27%
59%
0%
10%
20%
30%
40%
50%
$500 $2,000 $2,300 $3,500
1=Not Satisfied 5 = Totally Satisfied
Satisfied with your HSA plan?Satisfied with your HSA plan?(Health Savings Account)(Health Savings Account)
0% 3%
17%
41% 40%
0%
10%
20%
30%
40%
50%
1 2 3 4 5
1=Not Satisfied 5 = Totally Satisfied
You and/or Your Family = You and/or Your Family = Doctor Visits/YearDoctor Visits/Year
13%
38%
23% 25.50%
0%
10%
20%
30%
40%
50%
None One-Two Three-Five Six+
1=Not Satisfied 5 = Totally Satisfied
Do you like having Deductible Do you like having Deductible Choices in your Plan?Choices in your Plan?
Definitely NOT1%
Generally NOT2%
Generally24%
Definitely73%
Did Benefit Savings Dollars Did Benefit Savings Dollars available Impact the Size of available Impact the Size of Deductible you selected?Deductible you selected?
Yes, Higher61%
Yes, Lower8%
No Impact31%
Has Choice of Deductible Has Choice of Deductible Affected Your Use of PPO Affected Your Use of PPO Doctors?Doctors?
Use More PPO19%
No Impact78%
Use Less PPO3%
Have you used your HSA Have you used your HSA Account?Account?
YES76%
NO24%
How Do You Plan To Use Your How Do You Plan To Use Your Health Savings Dollars?Health Savings Dollars?
Save For Future
60%
Spend Each Year
40%
How Does this Benefit Plan How Does this Benefit Plan Impact Your Behavior?Impact Your Behavior?
98%
87%
70%
88%
91%
89%
82%
0% 20% 40% 60% 80% 100% 120%
Ask Doctor More Questions
Have enough information to make decisions
Look More Closely at Medical Bills
I Like Responsibilty for Health Care
Have Become More Knowedgeble
More Aware of Health Care Costs
Good Health Today Saves Me Money in Future
ConclusionConclusion
The The StewardshipStewardship Benefit Plan Benefit Plan is a Positive Change for a majority is a Positive Change for a majority
of Employees, and a Positive of Employees, and a Positive Introduction to Introduction to aa SStrategy of: trategy of:
Consumer Driven Health CareConsumer Driven Health Care
Were the People Were the People COURTEOUS @butler?COURTEOUS @butler?
0% 1%3%
25%
62%
0%
10%
20%
30%
40%
50%
1 2 3 4 5
1=Not Satisfied 5 = Totally Satisfied
Were they Knowledgeable Were they Knowledgeable @butler?@butler?
Somewhat18%
VERY82%
Were you Satisfied with their Were you Satisfied with their Knowledge?Knowledge?
0% 2%
10%
36%
50%
0%
10%
20%
30%
40%
50%
1 2 3 4 5
1=Not Satisfied 5 = Totally Satisfied
Were they AVAILABLE for you Were they AVAILABLE for you @butler?@butler?
0% 0%
11%
38%
50%
0%
10%
20%
30%
40%
50%
1 2 3 4 5
1=Not Satisfied 5 = Totally Satisfied
Were they HELPFUL?Were they HELPFUL?
0% 1%
8%
29%
60%
0%
10%
20%
30%
40%
50%
1 2 3 4 5
1=Not Satisfied 5 = Totally Satisfied
How was the Service with How was the Service with @butler via Phone?@butler via Phone?
3%8%
15%
32%
42%
0%
10%
20%
30%
40%
50%
1 2 3 4 5
1=Not Satisfied 5 = Totally Satisfied
How was the Service with How was the Service with @butler via eMail?@butler via eMail?
5%3%
16%
38% 38%
0%
10%
20%
30%
40%
50%
1 2 3 4 5
1=Not Satisfied 5 = Totally Satisfied
Would you recommend @butler?Would you recommend @butler?
YES91%
NO9%