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Driving Innovation In the Health Care Marketplace:

A CEO Report

Avis Budget Group, Inc.

Avis Budget Group (ABG) cares about the health of each employee and understands the connection between Living Life Well and more productive employees.

ABG recognizes that our diversity is our greatest strength. To that end, we offer a range of medical plans with different cost-sharing provisions so employees may choose the options that work best for them and their families. Within the HMO plans, participants are incented to use high-quality providers through increased benefit plan levels. In 2013, more than 44 percent of eligible services were performed by the high-performance network of providers.

To assist employees in selecting the appropriate plans for their needs, benefit communications and telephonic assistance is available in multiple languages. We publish our open enrollment materials in nine languages.

Access to health care is one of the basic tenets of a healthy population. ABG’s medical plan contributions are based on income. There are nine earnings tiers, with the lowest tier at 5 percent of premium and the highest tier at 23 percent of premium, ensuring both affordability and access to coverage for all employees. As a result, more than 74 percent of hourly employees enroll in the medical plans.

Further, ABG recognizes that raising awareness and providing education about an employee’s health are key to that employee making healthy choices and living a healthy lifestyle. Healthworks is a multifaceted wellness initiative that begins with a health risk assessment (HRA), which employees have been incented to complete for more than 10 years. From 2010 through 2013, more than 90 percent of all participants enrolled in a medical plan completed the HRA. The summary data has been used to increase our outreach to employees with high risk, to focus wellness activities at the local and national levels, and to assist our employees in creating their personalized healthy living program on our web platform.

Recognizing that employees are not always aware of their health metrics, ABG offered our first
Know Your Numbers campaign in 2013 without any financial incentive. Front-line managers and local business leaders helped support and publicize 79 onsite events in which more than 6,200 employees — slightly more than 50 percent of the benefit-eligible population — learned about their cholesterol, blood pressure, body mass index and glucose levels.

For 2014, the KYN campaign has been expanded to include all employees. To encourage greater participation, an $850 annual incentive is being offered. Our data warehouse will track year-over-year incremental improvement in biometric measures and allow us to identify populations and locations that are losing ground.

First year KYN results indicated that more could be done to assist employees in managing their health. The ABG Healthworks web platform has been enhanced to include more opportunities for employees to learn about healthy living, compete against each other in national and local competitions (e.g., weight loss and activity challenges), and establish trackers for lifestyle changes. Each employee can earn up to $100 per year towards a gift card or a catalog purchase.

All of these efforts have resulted in increases of 5 percent or less for years 2013 and 2014 and a projected increase in the same range for 2015.

Companies

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BRT companies provide health coverage to more than 40 million Americans. We help American workers and their families remain healthy, receive quality treatment when necessary and achieve better health outcomes. The private-sector innovations in the insurance marketplace that enable us to provide these services to our employees and their families serve as models for public programs — but additional reforms are necessary.

This report highlights the innovations we have made and the public policy changes we believe would drive value by promoting health and improving outcomes.

https://s3.amazonaws.com/brt.org/archive/0_healthcare/BRT-Health-Care.pdf