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Frequently Asked Questions


For questions regarding
the Wellness Program
call Mary Bahen at
ext. 4574 or Jen Lundeen at ext.5341.

For questions regarding
the medical insurance benefits, contact Human Resources at ext.8122.

Q:  What is Calvert Memorial's KeepWell@Work program?
  Employees are CMH's greatest assets and we have decided to take a vested interest in designing a program, KeepWell@Work, which promotes healthy lifestyle behavior, encourages employees to take care of themselves and accept personal responsibility for their health.  Improving employees' health creates a healthier workforce, helps reduce the rising cost of health care and improves our quality of care.

Q:  Will this program be available to all employees?
  This program is available to employees that work at least 400 hrs/year. This is at least one full day per week.

Q:  What do I have to do to participate?
The first step is to read about the Health Risk Assessment and determine whether you will complete one.

Q:  What is a Health Risk Assessment (HRA)?
  A Health Risk Assessment (HRA) consists of three components. First, you complete a 38-item questionnaire regarding your health and lifestyle behaviors. For your convenience, you may choose to fill out a paper questionnaire or a computerized version via the hospital intranet. Secondly, you undergo biometric testing which includes height, weight, body composition and blood pressure.  The third component consists of a fasting blood sugar and cholesterol lab panel. The results of these findings are used to provide you with a seven-page Personal Wellness Profile or PWP.

Q:  What is a Personal Wellness Profile (PWP)?
A PWP is a seven-page personal report that identifies your current health status as well as those areas that you need to focus on to improve your overall health. It also assesses your risk for key diseases like heart disease, diabetes and cancer.  A wellness coach reviews your PWP with you. Together, you can set short-term and long-term personal wellness goals to increase your overall health and quality of life.

Q:  Why should I do a HRA?
  The most important reason to do a HRA is it provides you with a Personal Wellness Profile (PWP). This PWP is an educational report designed to help you evaluate your current lifestyle, identify health risks and decide where and how to make improvements.  The choices we make each day regarding lifestyle behaviors all have a profound effect on how long we live and the degree of health we enjoy.

Q: What if I don't want to do a HRA?
Completing a HRA is voluntary and you are not required to do one. However because your health is important and CMH wants you to take an active role in your health, you will receive $20.00 on the Wellness Advantage debit card just for completing the HRA.  In addition, if you are a benefits-eligible employee, you will also receive a reduction on your medical insurance premium.

Q:  Where do I go to complete a HRA?
  To complete a HRA, you can go to the KeepWell Center or call ext. 8233 to schedule an appointment with a wellness coach.

Q: Can I complete a HRA after open enrollment?
  A HRA may be completed at anytime during the year. 

Q:  Do I have to do a HRA every year?
The HRA will be part of the annual medical insurance enrollment process and a reduction will be available to those employees who complete an annual HRA. In addition, if you complete a HRA annually, you will receive a report comparing your HRA from last year to the current year.

Q:  Will my personal information be kept confidential?
Absolutely. All information is kept confidential between you and your wellness coach. This information will not be shared with HR nor employee supervisors. 

Q: How does this program affect my medical insurance premium?
The medical insurance premium has a new four-tier rate structure:

Tier 4: The employee chooses not to complete a Health Risk Assessment (HRA) and receives no discounts.
Tier 3: The employee chooses to complete a HRA and chooses NOT to complete the *non-smoker/tobacco use policy statement.
Tier 2: The employee chooses to complete a HRA, chooses to complete the non-smoker/tobacco use policy statement and has risk factors.  He/she is eligible for the "Health Risk Factor Incentive Program."
Tier 1: The employee chooses to complete a HRA, chooses to complete the non-smoker/tobacco use policy statement and has no risk factors.

*For more information on the non-smoker/tobacco use policy statement, please call Human Resources at extension 8122.

Q:  What happens if I have high health risk factors?
Employees who have health risk factors associated with high body composition, smoking, high cholesterol, high blood pressure or diabetes will have the opportunity to enter into the Improved Health Risk Factor Incentive program. An employee must complete a (HRA) to qualify for this program.  If an employee is found to have health risk factors outside of the "desirable" status, they have the opportunity to receive a $25.00 per quarter credit for each program criteria on their Wellness Advantage Debit card if they follow each program criteria. For more details on program criteria, see Personnel Policy & Procedure P3-17.

Q:  What can I use my Wellness Advantage Debit card for?
The Wellness Advantage Debit card can be used to cover co-pays, dental fees, over-the-counter drugs, and prescriptions, massage therapy (with physician referral), acupuncture and any other expense covered under Health Spending Account regulations. Call Human Resources for a complete list of qualifying expenses.

Q:  Will employees still receive 50% off KeepWell Classes?
Yes. Employees who complete a HRA and work at least 400 hrs/year will be able to receive a 50% discount on classes and programs with the exception of alternative therapies-employees will receive a 25% discount on full-body and seated massage, acupuncture, etc. 

Q:  How does the wellness incentive plan work?
There are several different incentives available through the employee wellness program. They are listed and explained below:   
HRA Incentive: 
All employees who work at least 400 hr/year and complete a HRA will receive a $20.00 credit on a Wellness Advantage Debit card, be eligible for 50% on KeepWell classes and 25% discount on Healthy Alternative therapies.

Employees who have medical insurance with CMH will receive a reduction on their biweekly premiums and will be in the middle tiers/rate. Employees who do not have health risk factors associated with high cholesterol, high blood pressure, high body composition or smoking, will be eligible for an additional reduction on their biweekly premiums and will be in the lowest tier/rate.

Improved Health Risk Factor Incentive:
An employee must complete a HRA to qualify for this program.  Twenty-five dollars per quarter will be given to employees who improve their health risk factors by making significant progress in moving toward a "desirable" status in one or more of the five Categories listed below. See Personnel Policy P-3-17 for complete details.

1. Desirable: (Non-Smoker)
2. High:  (Smoker)   
Total Body Fat
(Based upon Bioelectrical Impedance Body Composition Instructions)
1. Desirable:
a. Men: 10-18%
b. Women: 18-27

2. Over Fat:
a. Men: 19-24%
b. Women     28-34%

3. Excessively Over Fat
a. Men: 25+%
b. Women:    35+%

Total Cholesterol/LDL/Triglyceride Level
(Based upon a 10 hour fasting venipuncture analysis)

Total Blood Cholesterol Levels:
1. Desirable  (Less than 200 mg/dL)
2. Borderline High Risk (200- 239 mg/dL)
3. High Risk (240 mg/dL and over)

LDL Cholesterol Levels:
1. Desirable/Optimal  (less than 100 mg/dL)
2. Above Optimal (100 to 129 mg/dL)
3. Borderline High  (130 to 159 mg/dL)
4. High  (160 mg/dL to 189mg/dL)
5. Very High (190 mg/dL)

Triglyceride Levels:
1. Desirable/Normal (less than 150 mg/dL)
2. Borderline High  (150 to 199 mg/dL)
3. High  (200mg/dL to 499mg/dL)
4. Very High (500 mg/dL)

Blood Pressure
(Based upon the average of 3 reading on 3 separate occasions)
1. Desirable:
a. Systolic (less than 120mmHg)
b. Diastolic (less than 80mmHg)

2. Prehypertension
a. Systolic (120- 139mmHg)
b. Diastolic (80-89mmHg)

3. Hypertension:
a. Systolic (140mmHg or higher) 
b. Diastolic (90mmHg or higher)

Glucose: (Diabetes) 
(Based upon a 10 hour fasting venipuncture analysis)
1. Desirable: 70-99 mg/dl
2. Pre-Diabetes: 100-125 mg/dl
3. High: 126 mg/dl & above

Q.  Where can I find Personnel Policy P-3-17?
The policy is located in Meditec under number 12 - Library, policies and procedures; personnel policies and go to policy number P-3-17.

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