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ARTICLE UnitedHealth Personal Rewards

Everyday choices made by employees are the primary drivers of a company's health care costs. UnitedHealth Personal Rewards is a new program that encourages participants to make better health decisions by providing them with a personalized set of health goals – plus financial incentives to accomplish them.


Unhealthy behaviors like smoking and obesity drive more than 50 percent of our health status and add incremental costs to conditions like diabetes, cancer and heart disease.1 Employers pay a steep price in terms of absenteeism, reduced productivity and rising health care costs. But here's the key: Most of these behaviors are avoidable by modifying lifestyle and improving health care decisions.2


UnitedHealth Personal Rewards allows members to earn points for adopting better health behaviors. It all starts with a personalized scorecard and ?health map? for them to follow to help maintain or improve their lifestyle. As they continue their healthy behaviors, they can cash in their points for financial rewards. The result of these better health decisions may lead to lowering overall health care expenses.3


UnitedHealth Personal Rewards was launched on a pilot basis in April of 2010. It is available on a self-funded basis to employers with over 3,000 eligible employees.


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  1. Study from Centers for Disease Control. Remaining drivers are: Access (10%), Genetics (20%), Environment (20%).
  2. Source: American Institute for Preventive Medicine 2005; American Journal of Health Promotion 1991, 1993, 2000; Milliman & Robertson 1995; Safeway analysis.
  3. UnitedHealthcare Book of Business, 2009.