Health and Wellness Program for LCCC Employees and their Spouses

LiveSmart is the health and wellness program developed for Lorain County Community College's full-time employees and their spouses by the college’s Health Insurance Review and Wellness Committee (HIRWC) as a proactive approach to reducing health care costs. The premise behind the LiveSmart Program is that if employees and their spouses learn to lead healthier lifestyles, their quality of life will improve; they won’t need to use the health care system as frequently as they might have otherwise; and their out-of-pocket expenses, as well as the college's claim costs will be reduced accordingly.

Incentive to Save on Your Health Insurance Costs 

If you are enrolled in one of the college’s group medical plans and would like to have your medical insurance  premium significantly  reduced, effective January 1, 2011 or if you are not enrolled in a college medical plan, but would like to receive a cash bonus, you will want to earn the LiveSmart Level I and II Health Care Incentives.

To earn the Level I Incentive you will need to 1) see your physician for some type of preventive health care between now and October 29, 2010 and 2) complete the online Health Risk Assessment (HRA), which will be available in the fall of 2010.  If you are currently paying discounted medical premiums and wish to continue doing so in 2011, you will need to earn the Level I Incentive again this year.

In conjunction with your annual preventive care visit, you will need to have your physician complete the Preventive Care Verification form.  Please make sure your physician understands that test results and medical records are not being requested, only confirmation that you have had some type of preventive care during 2010.  Be sure that your physician also understands that in order for your preventive care tests to be covered at 100%, he/she will need to assign a “routine/preventive care” versus “medical” diagnostic billing code to the tests. 

To receive an additional medical premium discount, you will need to earn the Level II Incentive.  To earn the Level II Incentive you will need to 1) sign an affadavit, which will be available in fall 2010, stating that you do not use tobacco products and 2) have your physician indicate on the Preventive Care Verification form, that you have at least three of the five factors which contribute to Metabolic Syndrome, under control.

Metabolic Syndrome is a combination of medical disorders that significantly increase the risk of someone developing heart disease, a stroke, or diabetes.  The five factors are listed below and are considered to be under control if the measurements are:

Waist circumference	< 35" for women and < 40" for men
Triglycerides	< 150 mg/dL
HDL	> 50 mg/dL for women and > 40 mg/dL for men
Blood pressure	< 130/85
Glucose	< 100 mg/dL

Please Note:

• This year your spouse can also earn the Level I and II Health Care Incentives, which will provide additional premium discounts for you.
• For purposes of the discount, the college will consider you and/or your spouse to have the metabolic syndrome factors under control even if you are doing so with the assistance of medication.
• If you or your spouse already had a preventive health care visit earlier this calendar year, the doctor can still complete and sign a Preventive Care Verification form on your and/or your spouse's behalf.
• Employees and spouses are not required to earn the incentives.  It is necessary to do so only for the purpose of receiving premium discounts for your medical insurance.

GlobalFit Discounts

Medical Mutual of Ohio offers discounts for employee fitness club memberships through a nationwide fitness center network called GlobalFit. Through GlobalFit employees can save up to 60% off regular rates on month-to-month memberships at more than 1,500 fitness clubs nationwide. Employees are also eligible to receive discounts on home workout videos and equipment, nutritional supplements, and online diet programs. For more information regarding GlobalFits’ discounted rates, visit http://www.medmutual.com/.