OPM recently sent a memo telling agencies to do more to encourage their employees to participate in wellness programs, a longtime emphasis in the federal health program but whose participation levels have been disappointing. Following is the section of the guidance directed at individual employees to make the “business case for them to participate.
Strategic, comprehensive worksite health & wellness programs1 can positively impact the lives of Federal employees by helping them develop a healthier lifestyle, succeed in their jobs, and decrease their economic burdens attributed to poor health.
Worksite health & wellness programs can provide employees powerful resources and solutions so they may take charge of their own health and well-being, especially because employees spend so much of their lives at work (American employees who work full-time typically spend approximately one-third of their day at their workplace, 5 days per week).
According to the Centers for Disease Control and Prevention (CDC), 7 of the top 10 causes of death were chronic diseases. Chronic disease and conditions are among the most common, costly, and preventable of all health problems. Worksite health & wellness programs can provide education and resources to increase employees’ understanding of critical health topics and reduce their risk for developing preventable chronic diseases.
Top 10 Leading Causes of Death, U.S.
1. Heart Disease
3. Chronic Lower Respiratory Diseases
5. Unintentional Injuries
6. Alzheimer’s Disease
8. Influenza and Pneumonia
9. Kidney Disease
Worksite Health & Wellness Health Topics
1. Alcohol and Substance Misuse
3. Physical Activity
4. Tobacco Use
5. Screenings (blood pressure, BMI, cholesterol, diabetes)
6. Cancer Screenings
7. Mental Health
8. Work-Related Musculoskeletal Disorders & Ergonomics
9. Immunizations (e.g. Influenza Pneumococcal)
Worksite health & wellness programs can positively affect employees in a variety of ways, including:
* Fewer sick days, resulting from improved health of employees and their families
* Learn new self-management and coping skills
* Develop a social support system to help sustain new health and wellness skills
* Increase well-being, self-image, and self-esteem
* Improve coping skills with stress or other factors affecting health
* Increase job satisfaction
* Provide a safer and more supportive work environment
* An opportunity to incorporate healthy behaviors into daily routine
Healthcare costs for employees – including insurance premiums, co-payments, prescription drugs, and more – can be expensive; therefore, individuals who participate in worksite health & wellness programs can save money by improving their health.
Annually, the average health insurance premium for U.S. workers is $999 for single coverage and $4,565 for family coverage. In addition, seventy-eight percent of covered employees have an annual deductible – a dollar amount of covered expenses an individual or family must pay out-of-pocket before an insurance plan begins to pay benefits, and the average U.S. deductible is $1,135. Another common health expense for employees involves the requirement for medical visit co-payments – nearly 3 out of 4 employees pay a co-payment for office visits, averaging $23 for in-network primary care and $35 for in-network specialty care; costs are even higher for out-of-network visits. Additional health costs exist, including prescription drug coverage, hospital admissions, and emergency treatment.
By participating in worksite health & wellness programs, employees may be able to decrease the amount they spend on their health and well-being each year. Below are some ways worksite health & wellness programs can help employees financially:
* Preventive services can reduce doctor visits for illness, and lead to lower out-of-pocket costs for healthcare services.
* Health education helps increase employee awareness on the availability of preventive care covered by insurance (e.g., screenings, immunizations, and well women exams) and can encourage regular doctor visits for health assessment which can lower long term and more expensive costs required to reactively treat illness.
* Tobacco cessation programs can help an employee manage or quit smoking; this will achieve short-term savings (e.g., an employee who spends $5 on a pack of cigarettes a day could save $1,825 over the course of the year) and avoidance of long term costs associated with the treatment of chronic health issues related to smoking.
* Other insurance premiums, such as life insurance, commonly decrease when an individual has fewer health risks.