Hardin County Schools
Consortium
Benefits Comparison & Wellness Updates
August, 2006
Hardin County Schools
Consortium
• SuperMed Plus (PPO Program)
– Hospital and Physician based PPO Program
– Wellness Benefits at 100% - NO DEDUCTIBLE
• Up to $500 per year maximum
– Well Child Care at 100% - NO DECUCTIBLE
– Up to $500 maximum to 12 months
– Up to $150 maximum ages 1-9 years old
– Mammograms
– Pap Tests
Hardin County School
Consortium–CLASSIC PLAN
NETWORK
NON-NETWORK
Deductible: $100/$200
$100/$200
Coinsurance: $400/$800
$900/$1,800
Out-of-Pocket
Maximum:
$500/$1,000
$1,000/$2,000
Hardin County Schools
Consortium-Plus Program
NETWORK
Deductible:
$250/$500
NON-NETWORK
$500/$1,000
Coinsurance: $750/$1,250
$1,500/$2,500
Out-of-Pocket
Maximum: $1,000/$1,750
$2,000/$3,500
Hardin County Schools
Consortium – Plus Program
• $15 Office Visit Co-pay
• MMO Network of Professional Providers
• Wellness Benefits at 100%
• Access www.medmutual.com
Identify Health Risks
Health Risk Measure
High Risk Criteria
Alcohol
More than 14 drinks/week
Blood Pressure
Systolic >139 mmHg or Diastolic > 89 mmHg
Body Weight
BMI ≥27.5
Cholesterol
Greater than 239 mg/dl
Existing Medical Problem
Heart, Cancer, Diabetes, Stroke
Illness Days
>5 days last year
Job Satisfaction
Partly or not satisfied
Life Satisfaction
Overall Risk Levels
Low Risk
0 to 2 high risks
Partly or not satisfied
Medium Risk
3 to 4 high risks
Perception of Health
Fair or poor
High Risk
5 or more high risks
Physical Activity
Less than one time/week
Safety Belt Usage
Safety belt use less than 100% of time
Smoking
Current smoker
Stress
High
Use of Drugs for Relaxation
Few times a month or more
University of Michigan Health Management Research Center
Health Risk Assessment
• Medical Mutual partners with WebMD to offer our
HRA
– Accessible through My Health Plan on MedMutual.com
• Assess current health risks based on past health
history, current medical information and daily habits
• Provide guidance on how to actually change behavior
and improve health
• Aggregate reporting helps identify opportunities for
implementing Medical Mutual’s SuperWell programs
HealthQuotient
Health Quotient
Score
Comparison to
Peer Group
Quit Line
(Smoking Cessation)
Quit Line
• Medical Mutual has partnered with the Ohio Tobacco Use
Prevention and Control Foundation to offer the Ohio Tobacco Quit
Line, a smoking cessation program
• Includes telephonic counseling services and the option to receive
free over-the-counter (OTC) nicotine replacement therapy (NRT),
in the form of the patch, Nicoderm® CQ, at no out-of-pocket
expense
SuperWell Nurse Line
• Advice is a phone call away, available
24 hours a day, 7 days a week
• Serves as an “early warning system”
for emerging health conditions
• Prepares members for doctors visits,
including knowing what questions to
ask
• Learn how to make better decisions
about healthcare
• Provides education on various health
topics
• Group-specific reporting available.