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5 Elements of Health

Testimonials

Elements replaces the role of the passive traditional Insurance Broker and instead serves as a catalyst for real change by providing real solutions to real problems with a real impact. Elements has created:

• a long-term solution to the healthcare crisis
• a model based on credible information and knowledge integrated with compassionate insurance
• an economic model that rewards learning and lifestyle changes
• a program that lowers costs while cultivating an attitude of partnership with all participants
• an environment where joy and trust replace fear and anxiety

Changes in the insurance market place and advancements in technology have made it economically feasible to offer clients this revolutionary shift in managing employee health benefits," says Dr. Arnie Freiman.

A FEW OF OUR CLIENTS SUCCESS STORIES

Large Telecom Company - an industry leading developer and manufacturer of next-generation edge access equipment and multiservice broadband solutions for the telecommunications industry.

Elements has provided them with innovative health and benefits solutions for over four (4) years. When Elements integrated their evidence based Health & Lifestyle Management Programs into the insurance component in 2003 there was an immediate positive impact to the financial bottom line and the overall health of the plan participants.

Over the past 4 years (2003-2006) they have averaged just over 1,000 employees located all over the country. In 2003 Elements realized that this client was trending above national average with health care costs per employee. A strategic plan was developed in conjunction with their management team to meet their business objectives. The goal was to get control of their raising health care costs by developing a better understanding for what the plan participants risk factors are, developing programs to combat these risk factors and providing short and long-term incentives for individuals to become a partner in the health care delivery system rather then an adversary. The results were dramatic and have improved every year. This client was purchased in 2006 in a $5B transaction.

Following are a few highlights:

Client health care costs annual growth rate vs. industry trend

• FY 2003 – resulted in an overall savings of $460,000 from FY 2002 health care related costs. (Inflation and plan participant adjusted)
• FY 2004 – resulted in an overall savings of $620,000 from FY 2003 health care related costs.
• FY 2005 – resulted in an overall savings of $840,000 from FY 2004 health care related costs.
• FY 2006 – resulted in an overall savings of $750,000 from FY 2005 health care related costs
• Had over 80% participation rate in the Health & Lifestyle Management Programs

Most of these savings have come from lower health insurance claims, along with a reduction in injuries, absenteeism, and favorable premium negotiations due to the activities and programs introduced by Elements. We receive emails daily from employees thanking us for our pro-active approach and ongoing support. Some say they have lost weight (10lbs - 40 lbs) a direct result of our Walk for the Health of It! & Eat for the Health of It! Programs. Employees say they have more energy, feel more efficient and believe that the company truly cares about them. Some of these responses can not be measured in dollars.

The largest natural foods bakeries in Northern California - they have just over 200 employees in two different facilities (Sacramento and Petaluma) of which about 50% are Spanish speaking blue collar employees.

Elements has provided them with innovative health and benefits solutions for over four (4) years. When Elements integrated their evidence based Health & Lifestyle Management Programs into the insurance component in 2003 there was an immediate positive impact to the financial bottom line and the overall health of the plan participants.

They felt that their population may not respond well to Elements Health & Lifestyle Management Programs. The program started with just over 25% participation and has grown to over 80% participation in less then four (4) years. Elements translated all of their materials into Spanish to meet their plan participants' needs.

Following are a few highlights:

Client health care costs annual growth rate vs. industry trend

• FY 2004 – resulted in an overall savings of $130,000 from FY 2003 health care related costs. (Inflation and plan participant adjusted)
• FY 2005 – resulted in an overall savings of $170,000 from FY 2004 health care related costs.
• FY 2006 – resulted in an overall savings of $220,000 from FY 2005 health care related costs.
• FY 2007 – resulted in an overall savings of $200,000 from FY 2006 health care related costs.

There savings are from lower health insurance claims, decreased absenteeism and favorable premium negotiations due to the activities and programs introduced by Elements. They have just recently started an ergonomic program. They have the lowest turnover rate in their industry.

Branding/Merchandising Company – the Northwest leading provider of promotional merchandise. They have 130 employees, mostly blue collar factory workers with a mix of business professionals and technology experts.

Elements has provided them with innovative health and benefits solutions since May 2003. When Elements integrated their evidence based Health & Lifestyle Management Programs to the insurance component there was an immediate positive impact to the financial bottom line and the overall health of the plan participants.

They were receiving huge premium increases every year from 1999 on for no apparent reason.

Client health care costs annual growth rate vs. industry trend

Following are a few highlights:

• FY 2004 – saved over $75,000 in the first year under the plan
• FY 2005 – saved over $88,000 throughout the plan year
• FY 2006 – saved over $95,000 throughout the plan year
• FY 2007 – saved over $125,000 throughout the plan year
• 2004 premium renewal rate was just under 1% increase from FY2003 renewal, they had a reduction in premium in 2005, and a slight increase of 2% in 2006 and 4% in 2007.
• Currently have over 70% participation rate

Their employees are happy and are emailing us with statements like "Your plan is awesome" and "I never expected these types of benefits and this type of caring." Their savings are in large part due to reduced health insurance claims, decreased absenteeism, more efficient work habits and favorable premium negotiations due to the activities and programs introduced by Elements.

School District in Oregon – located in Southern Oregon this school district was part of a large insurance pool receiving high double digit premium increases yearly before Elements took them on as a client. They have two union groups who are both very active in negotiating health benefits for their employees.

Elements has provided this school district with innovative health benefits solutions for over four (4) years. When Elements integrated their evidence based Health & Lifestyle Management Programs into the insurance component in 2003 there was an immediate positive impact to the financial bottom line and the overall health of the plan participants. The initial negotiations with the unions was difficult as they felt that by adding the Health & Lifestyle Management Programs we were going to take health benefits away. They realized that as they engaged in the programs their access to additional health benefits actually increased.

Over the past 4 years (2003-2006) they have averaged just over 478 employees. In 2004 Elements realized that this client was potentially going to be forced into the Oregon State Insurance pool for K-12 schools and moved them into a minimum premium plan in order to obtain utilization data and meet the state regulatory requirements. A strategic plan was developed in conjunction with the Superintendent, the Health Team and the Union leaders to meet their objectives. The goal was to get control of their raising health care costs by developing a better understanding for what the plan participants risk factors are, developing programs to combat these risk factors and providing short and long-term incentives for individuals to become a partner in the health care delivery system rather then an adversary. They wanted to be able to maintain their high level of health benefits with now financial increase to employees. The results were dramatic and have improved every year.

Elements was able to work with the Superintendent along with some political leaders to allow this school district to opt out of the Oregon Insurance Pool set up for K-12 schools because we showed our cost per employee was over 30% lower then the projected pool.

Following are a few highlights:

Client health care costs annual growth rate vs. industry trend

• FY 2004 – resulted in an overall savings of $330,000 from FY 2003 health care related costs. (Inflation and plan participant adjusted)
  
• FY 2005 – resulted in an overall savings of $90,000 from FY 2004 health care related costs.
  
• FY 2006 – resulted in an overall savings of $250,000 from FY 2005 health care related costs.
  
• FY 2007 – resulted in an overall savings of $340,000 from FY 2006 health care related costs
  
• Have over 90% participation rate in the Health & Lifestyle Management Programs

Most of these savings have come from lower health insurance claims, along with a reduction in injuries, absenteeism, and favorable premium negotiations due to the activities and programs introduced by Elements. We receive emails daily from employees thanking us for our pro-active approach and ongoing support. Some say they have lost weight (10lbs - 40 lbs) a direct result of our Walk for the Health of It! & Eat for the Health of It! Programs. Employees love the onsite classes and courses along with community involvement from other local clients represented by Elements. Employees say they have more energy, feel more efficient and believe that the company truly cares about them. Some of these responses can not be measured in dollars.