SUMMARYOFFINDINGS offeringretireebenefitscontributetobenefitsthroughacontractwithaMedicareAdvantageplan. Twelvepercentoflarge firmsofferingretireebenefitsofferretireebenefitsthroughacorporateorprivateexchange. SUPPLEMENTALANDVOLUNTARYBENEFITS Firmsofferinghealthbenefitsalsoofferavarietyofsupplementalandotherhealthbenefitstotheirworkers. Amongfirms offeringhealthbenefits,67%ofsmallfirmsand97%oflargefirmsofferdentalbenefitstotheirworkers;47%ofsmallfirmsand 82%oflargefirmsoffervisionbenefits;23%ofsmallfirmsand46%oflargefirmsoffercriticalillnessinsurance;16%ofsmall firmsand28%oflargefirmsofferhospitalindemnityinsurance;and16%ofsmallfirmsand25%oflargefirmsofferlong-term careinsurance. Amongallfirmsofferingthesesupplementalbenefits,firmsaremorelikelytomakeacontributiontoward dentalcoverage(67%)orvisioncoverage(54%)thanforcriticalillnessinsurance(3%)orhospitalindemnityinsurance(5%). WELLNESS,HEALTHRISKASSESSMENTSANDBIOMETRICSCREENINGS Alargeshareoffirmshaveprogramsthatencourageworkerstoidentifyhealthissuesandtotakestepstoimprovetheirhealth. Manyfirmsofferhealthscreeningprogramsincludinghealthriskassessments,whicharequestionnairesaskingworkersabout lifestyle, stress or physical health, and in-person examinations such as biometric screenings. Many firms also use incentives toencourageworkerstocompleteassessments,participateinwellnessprograms,ormeetbiometricoutcomes. Aswehave seeninpreviousyears,thereisconsiderableuncertaintyamongsmallfirmsonsomequestions,particularlythoserelatedto incentives, so findings are reported only for large firms in some instances. HealthRiskAssessments. Amongfirmsofferinghealthbenefits,38%ofsmallfirmsand62%oflargefirmsprovideworkers anopportunitytocompleteahealthriskassessment. Ahealthriskassessmentincludesquestionsaboutaperson’smedical history, health status, and lifestyle. Fifty-two percent of large firms with a health risk assessment program offer an incentive toencourageworkerstocompletetheassessment. Amonglargefirmswithanincentive,theincentivesinclude: giftcards, merchandiseorsimilarincentives(50%offirms);requiringacompletedhealthriskassessmenttobeeligibleforotherwellness incentives (46%offirms);lowerpremiumcontributionsorcostsharing(46%offirms);andfinancialrewardssuchascash, contributionstohealth-relatedsavingsaccounts,oravoidingapayrollfee(40%offirms). BiometricScreenings. Twenty-onepercentofsmallfirmsand52%oflargefirmsofferinghealthbenefitsofferworkersthe opportunitytocompleteabiometricscreening. Abiometricscreeningisahealthexaminationthatmeasuresaperson’srisk factors such as body weight, cholesterol, blood pressure, stress, and nutrition. Fifty-three percent of large firms with biometric screeningprogramsofferworkersanincentivetocompletethescreening. Amonglargefirmswithanincentive,theincentives include: lowerpremiumcontributionsorcostsharing(49%offirms);giftcards,merchandiseorsimilarincentives(44%offirms); requiringacompletedbiometricscreeningtobeeligibleforotherwellnessincentives(41%offirms);andfinancialrewards suchascash,contributionstohealth-relatedsavingsaccounts,oravoidingapayrollfee(33%offirms). Inaddition,14%oflarge firmswithabiometricscreeningprogramhaveincentivestiedtowhetherworkersmetspecifiedbiometricoutcomes,suchasa targetedbodymassindex(BMI)orcholesterollevel. HealthandWellnessPromotionPrograms. Manyfirmsofferprogramstohelpworkersidentifyhealthrisksandunhealthy behaviorsandimprovetheirlifestyles. Fifty-eightpercentofsmallfirmsand85%oflargefirmsofferaprograminatleastone of these areas: smokingcessation;weightmanagement;behavioralorlifestylecoaching. Thirty-twopercentoflargefirmswith oneofthesehealthandwellnessprogramsofferworkersanincentivetoparticipateinorcompletetheprogram. Amonglarge firmswithanincentiveforcompletingwellnessprograms,incentivesinclude: giftcards,merchandiseorsimilarincentives (68%offirms);requiringcompletionofactivitiestobeeligibleforotherwellnessincentives(44%offirms);financialrewards suchascash,contributionstohealth-relatedsavingsaccounts,oravoidingapayrollfee(37%offirms);andlowerpremium contributionsorcostsharing(19%offirms). Eightpercentofsmallfirmsand14%oflargefirmsreportcollectinghealthinformationfromworkersthroughwearabledevices suchasaFitbitorAppleWatch. Asriskassessmentsandwellnessprogramshavebecomemorecomplex,incentivesandrewardshavebecomemore sophisticatedandmayinvolveparticipatinginormeetinggoalsindifferentprograms(e.g.,completinganassessmentand The Kaiser Family Foundation and Health Research & Educational Trust / Page 11