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Participation in Fitness-Related Activities of an Incentive-Based Health Promotion Program and Hospital Costs: A Retrospective Longitudinal Study
Deepak Patel, MD, MSc; Estelle V. Lambert, PhD; Roseanne da Silva, BScHons, FIA; Mike Greyling, MSc; Tracy Kolbe-Alexander, BSc, PhD; Adam Noach, BSc; Jaco Conradie, BSc; Craig Nossel, MBChB, MBA; Jill Borresen, BSc, PhD; Thomas Gaziano, MD
Abstract Purpose. A retrospective, longitudinal study examined changes in participation in fitness-related activities and hospital claims over 5 years amongst members of an incentivized health promotion program offered by a private health insurer. Design. A 3-year retrospective observational analysis measuring gym visits and participation in documented fitness-related activities, probability of hospital admission, and associated costs of admission. Setting. A South African private health plan, Discovery Health and the Vitality health promotion program. Participants. 304,054 adult members of the Discovery medical plan, 192,467 of whom registered for the health promotion program and 111,587 members who were not on the program. Intervention. Members were incentivised for fitness-related activities on the basis of the frequency of gym visits. Measures. Changes in electronically documented gym visits and registered participation in fitness-related activities over 3 years and measures of association between changes in participation (years 13) and subsequent probability and costs of hospital admission (years 45). Hospital admissions and associated costs are based on claims extracted from the health insurer database. Analysis. The probability of a claim modeled by using linear logistic regression and costs of claims examined by using general linear models. Propensity scores were estimated and included age, gender, registration for chronic disease benefits, plan type, and the presence of a claim during the transition period, and these were used as covariates in the final model. Results. There was a significant decrease in the prevalence of inactive members (76% to 68%) over 5 years. Members who remained highly active (years 13) had a lower probability (p , .05) of hospital admission in years 4 to 5 (20.7%) compared with those who remained inactive (22.2%). The odds of admission were 13% lower for two additional gym visits per week (odds ratio, .87; 95% confidence interval [CI], .801.949). Conclusion. We observed an increase in fitness-related activities over time amongst members of this incentivebased health promotion program, which was associated with a lower probability of hospital admission and lower hospital costs in the subsequent 2 years. (Am J Health Promot 2011;25[5]:341348.) Key Words: Health Insurance, Wellness Program, Chronic Disease, Prevention Research. Manuscript format: research; Research purpose: modeling/relationship testing, descriptive; Study design: retrospective longitudinal, analytic; Outcome measure: financial/economic, hospital costs; Setting: private national health insurer; Health focus: fitness/physical activity; Strategy: education, skill building/behavior change, incentives; Target population age: adults; Target population circumstances: health-insured population
Deepak Patel, MD, MSc is with UCT/MRC Research Unit for Exercise Science and Sports Medicine, University of Cape Town, Cape Town South Africa; and Discovery Health, Johannesburg, South Africa. Estelle V. Lambert, PhD; and Tracy Kolbe-Alexander, BSc, PhD, are with UCT/MRC Research Unit for Exercise Science and Sports Medicine, University of Cape Town, Cape Town, South Africa. Adam Noach, BSc; Jaco Conradie, BSc; Craig Nossel, MBChB, MBA; and Jill Borresen, BSc, PhD, are with Discovery Health, Johannesburg, South Africa. Roseanne da Silva, BScHons, FIA, is with School of Statistics and Actuarial Science. Mike Greyling, MSc, is with School of Human and Community Development, University of Witwatersrand, Johannesburg, South Africa. Thomas Gaziano, MD, is with Brigham and Womens Hospital, Harvard Medical School, Boston, Massachusetts.
Send reprint requests to Estelle V. Lambert, UCT/MRC Research Unit for Exercise Science and Sports Medicine, Department of Human Biology, Faculty of Health Sciences, University of Cape Town, PO Box 115, Newlands, Western Cape Town, 7725 South Africa; vicki.lambert@uct.ac.za.
This manuscript was received June 3, 2010; revisions were requested November 30, 2010, and January 18, 2011; the manuscript was accepted for publication January 20, 2011. Copyright 2011 by American Journal of Health Promotion, Inc. 0890-1171/11/$5.00 + 0 DOI: 10.4278/ajhp.100603-QUAN-172
INTRODUCTION Physical inactivity and sedentary living are major lifestyle factors that contribute to the growing burden of disease globally.1 The effects of the increasing prevalence of inactivity are most evident in the increase in noncommunicable chronic diseases of lifestyle, such as hypertension, type 2 diabetes, cancer, and coronary heart disease.2 There is compelling evidence for the beneficial effects of physical activity in the primary and secondary prevention of a large number of chronic diseases. Diseases such as type 2 diabetes,3 hypertension4,5 cardiovascular disease,6 certain cancers,4 mental illnesses,7 and osteoporosis8 are directly impacted by increasing physical activity. All-cause mortality, as well as deaths as a result of cardiovascular diseases and cancers, are significantly decreased with increased levels of physical activity.9,10 Physical activity has also been shown to mitigate the effects of other risk factors. For example, overweight individuals who are fit have greater longevity than those normal-weight individuals who are unfit.11,12 Likewise, it has been shown that physically active smokers have a lower risk of dying than nonactive smokers.13 The enormous burden of diseases related to physical inactivity or sedentary living have significant direct and indirect economic consequences for the individual and for society.1416
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Table 1 Group Definitions for Changes in Fitness-Related Activities From Years 13 After Enrollment
Group Inactive to no change Inactive to more active Active to less active Active to no change Active to more active Not enrolled in health promotion program Definition Inactivity in years 13 Inactivity in year 1; low, medium, or high activity in year 3 Low, medium or high activity in year 1; decreased by at least one fitness category in year 3 Low, medium, or high activity in year 1; no change in year 3 Low, medium, or high activity in year 1; increased by at least one fitness category in year 3 Not enrolled in health promotion program from years 13
base. This approach to the analysis was chosen, as, typically, fitness engagement increased rapidly in the first 3 years and leveled off thereafter. Covariates such as age, gender, plan type, and registration for chronic benefits were routinely entered as part of the database. Analysis The changes in the level of participation in the program were examined descriptively by comparing the proportion of respondents in each level. Although the sample sizes were large enough to make significance tests of the change, redundant odds ratios for the change in proportion for each category were calculated along with confidence intervals to demonstrate the change. It was difficult to categorize the members who either joined or left the health promotion program after the first year. There was a justified concern that those who failed to engage in the program may voluntarily have chosen to leave and, as such, would inflate the numbers of engaged members. To counter this concern, a further analysis was performed, in which all those who left the health promotion program were assumed to occupy the lowest level of engagement for the duration of the analysis (n 5 1646). This provided a more conservative estimate of the change in engagement for the program. The second aim required an analysis of the claims experience of the members. In particular, the study aimed to compare the claims experience for the different transition categories defined in Table 1. This analysis raised both design and analytical concerns. Firstly, a key concern for the analysis was to remove, when possible, selection
effects from the results. To address this concern, a propensity model25 for the transition categories was developed. The propensity scores were estimated by using a generalized logit model26 that included the following: age, gender, registration for chronic disease benefits, plan type, and the presence of a claim during the transition period. The propensity scores were then used as covariates in the final model. Chronic disease benefits referred to members who were registered for pharmaceutical and related benefits on the basis of a pre-existing chronic condition, for example, hypertension or asthma. Plan types ranged from comprehensive, which covered most out-of-pocket medical expenses, including doctor visits, medications, procedures, and hospitalization, with a substantial medical savings account to a core or saver-type plan, which offered fewer benefits and which required the member to copay for some of the benefits, with a smaller medical savings account. The higher the health insurance premiums, the more comprehensive the plan. The claims data present additional challenges because of the highly skewed distribution of the cost data. Diagnostic tests suggest that the distribution was well approximated by a lognormal distribution with additional zero values when no hospitalization occurred. A number of authors have proposed models that encompass this structure. In particular, Duan et al.,27 propose a two-part model in which the probability of a claim is estimated by means of probit analysis and the claim value is estimated by applying normal theory to the logged claim amounts, when these are non-zero. Feuerverger28 provides a similar analysis by using a
logit model for the probability of an event. The two-stage model has the advantage that parameters for each component can be estimated separately, which reduces the computation requirements. This is particularly relevant here, given the relatively large sample size. In the present analysis, the probability of at least one claim was modeled using a Logistic Regression (LR) analysis,26 whereas the cost of treatment (for all patients who experienced at least one claim) was analyzed using a linear model for the log of the claim amount. In order to obtain means in the original scale, the estimates from the linear model were transformed back into the original scale. Duan et al.,27 found that use of a theoretically estimated transformation was superior to the smearing estimate. However Duan et al.,29 noted that this relies on the degree to which the assumptions of the error terms, normality, and homoscedasticity are met. In the present analysis, the smearing estimator was used to estimate the means in the original scale. To obtain point and interval estimates of costs per person, the probability estimates from the LR were combined with estimates from the linear model by using numerical methods. The general form of the Monte Carlo approach has been described by Besag and Clifford.30 The distribution of the average claim was estimated by drawing a large sample from the joint distribution of the probability of a claim and the value of that claim. In order to examine whether a doseresponse pattern was evident in the data, a subset was examined. Only the patients who were in the lowest category at the start of the transition
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Table 2 Demographic and Medical Plan Characteristics of Members According to Engagement With Fitness-Related Activities in Year 1
Not Enrolled In Health Promotion Program No. of members in cohort % of all members % of members enrolled in health promotion program Mean (SD) age, y* % male % any chronic benefits % comprehensive plan * SD indicates standard deviation. 111,587 36.7% 52.2 (15) 45.0% 39% 36.0%
Fitness Inactive 145,396 47.8% 75.5% 41.2 (12) 48.0% 18% 45.0%
Fitness Low-Active 14,754 4.9% 7.7% 36.6 (10) 49.0% 13% 45.0%
Fitness High-Active 19,749 6.5% 10.3% 39.8 (11.9) 60.0% 17% 43.0%
period and who increased their level of activity were included in the subset analysis. A logistic regression analysis, predicting the event of a claim in years 4 and 5 was performed by using the number of gym visit equivalents (i.e., 150 fitness points) as the independent variable. The same covariates included in the previous analysis were also used. RESULTS The demographic and medical plan characteristics by engagement in fitness-related activities are shown in Table 2. Irrespective of their level of participation in fitness-related activities, those members registered for the health promotion program were younger, and a lower proportion were registered for chronic benefits com-
pared with those not registered for the program. Table 3 shows the trends for gym visits and the transitions in levels of engagement in fitness-related activities measured over 5 years. The proportion of members in the study cohort using the gym had increased from 27% at the time of enrollment at the beginning of 2004 to 33.1% at the end of 2008an increase of 22% over this period. Gym visits comprised the largest pointsearning activities of the program, accounting for about 50% of all points earned (data not shown). The proportion of members classified as inactive changed from 76% to 68% from years 1 to 5, and the odds of remaining inactive were lower by 42% over this period. Similarly, the proportion of members classified as having high activity increased from 10% to 13%
(odds ratio, 1.26; 95% confidence interval [CI], 1.25 to 1.28) over the same time period. Taking the more conservative figures, on the basis of the assumption that members who leave the program during the first year were in the lowest level of engagement, only slightly reduces effect (data not shown). The probability of hospital admission and the cost of hospital claims in years 4 to 5 are shown in Figures 1 and 2, which compare groups according to changes in participation in fitnessrelated activity from years 1 to 3. Claims are expressed in South African Rand (ZAR), with 1 ZAR 5 .1447 U.S. dollars. Members in the inactive-to more active group were less likely to be admitted (p , .05) and had lower hospital claims (p , .05) than those in the inactive-tono change group. Members in the active-tono change
Table 3 Changes in the Proportion of Members Using the Gym and Levels of Engagement in Fitness-Related Activities Over 5 Years
OR (95%CI) for Transition Into the Inactive Category Fitness Variable No. of members on the study using gym % of members using gym % inactive % low-active % medium-active % high-active Year 1 51,955 27% 76% (76%) 8% (8%) 7% (7%) 10% (10%) Year 2 59,856 31.1% 72% (72%) 8% (8%) 8% (8%) 12% (12%) Year 3 61,194 31.8% 71% (71%) 9% (9%) 8% (8%) 12% (12%) Year 4 61,752 32.1% 70% (71%) 8% (8%) 10% (9%) 12% (12%) Year 5 63,654 33.1% 68% (69%) 8% (8%) 11% (10%) 13% (13%) Years 13 Years 15
NOTE: Data are conservative values for proportions and take into consideration members who have left the health insurance scheme (as noted in brackets). * OR indicates odds ratio; CI, confidence interval.
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Figure 1 The Probability of Hospital Admission in Years 4 and 5 on the Basis of Changes in Level of Engagement in Fitness-Related Activities in Years 1 to 3
Probabilities reported with 95% confidence intervals. The p values refer to level of significant differences between groups, as indicated by |------|. For example, persons in the inactive-tomore active group had a significantly higher probability of a hospital claims than those in the active-tono change group (p 5 .013) or the active-tomore active group (p 5 .036).
and active-tomore active groups also claimed less (p , .05) and had a lower rate of hospital admissions than those in the active-toless active group (p , .05). In addition, those members in the active-toless active group and inactivetomore active group had similar claims and probability of admissions. Members not on the health promotion program (i.e., not on the HPP) had a significantly higher probability of admissions (p , .01) and higher claims (p , .01) than both the active-tono change group and active-tomore active groups. Conversely, members not on the program claimed less and had lower probability of admission than those in the inactive-tono change group (p , .05). Claims and probability of admis-
sions in this group, were, however, not different from the inactive-tomore active group and active-toless active groups. Figure 3 illustrates the dose response relationship between the number of additional gym visits per week and the odds ratios for hospital admission. One additional gym visit per week was associated with a 7% lower odds ratio for the probability of hospital admission. DISCUSSION The first important finding of the present longitudinal study of a health insurancelinked health-promotion program is that engagement with
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Figure 2 The Cost of Hospital Admissions in Years 4 and 5 on the Basis of Changes in Levels of Engagement in Fitness-Related Activities in Years 1 to 3
Probabilities reported with 95% confidence intervals. Cost reported in ZAR; 1 ZAR 5 0.1447 U.S. dollars. The p values refer to level of significant differences between groups, as indicated by |------|. Persons in the inactive-tomore active group had significantly higher costs of admissions than those in the active-tono change group (p , .05) or the active-tomore active group (p , .05).
facilitate change from the contemplative to the action stage in the transtheoretical model of change.36 According to Sassi and Hurst,37 actions that widen choice or make certain options more accessible are generally well accepted and not viewed as paternalistic. These actions expand the range of choices available to the individual or decrease the price individuals have to pay when they choose options that were previously available at a higher price. In the program under study, subsidized gym membership was offered as an incentive to induce members not involved in any physical activity to join the gym. For members already using gyms, the subsidy assisted in maintaining an ongoing gym membership.
Engagement in fitness activities in the current study may also have been influenced by rewards (variable discount on purchases based tier status) that were offered for participation. There is accumulating evidence on the role of incentives in increasing participation in health promotion programs. However, the literature on the role of incentives and rewards in influencing physical activity behavior specifically is sparse. Most studies typically report findings with limited, well-defined incentives that are offered for a short period.31,38,39 The present study suggests that a comprehensive, incentivebased health promotion program was associated with increased participation in physical activity over time. We found no comparable studies that examined
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Figure 3 Odds Ratios and 95% Confidence Intervals for the Probability of Hospital Admissions per Number of Additional Gym Visits per Week
to relate changes in engagement with the physical activity components of the program to subsequent changes in hospital costs. Martinson et al.,45 reported similar results in a prospective cohort study of 2393 adults age 50 years and older who were on a health plan. They found that individuals who increased their physical activity from #1 to 3 days per week over a 3-year period incurred lower health care costs (2$2202; p , .01) than individuals who remained consistently inactive in that period. Additionally, we were able to demonstrate a dose-response relationship between engagement in fitnessrelated activity and health-related outcomes. For example, for each additional weekly gym visit, the odds ratio for the probability of hospital admission was reduced by approximately 6%. A limitation of the present study is that, althoughthe frequency of gym visits was independently recorded, the duration, intensity, and type of activities undertaken at the gym were not recorded. The study also did not include activities undertaken outside the program. However, the primary objective of the study was to ascertain
the extent to which membership of and engagement with the health promotion program, and not general level of fitness, was related to health care costs. The study also did not establish which of the various incentives and rewards may have motivated the changes in physical activity behavior. Future qualitative research will elucidate this point. The strength of the current study, on the other hand, is that engagement with fitness-related activities was independently recorded in this large, incentivized, health-insured, cohort over time. Moreover, hospital costs were also independently obtained from the health plan administrator. The current study is important in that it shows that documented engagement in fitness-related activity increases with continued membership of an incentives and rewards-based health promotion program. This increase in engagement was associated with a decrease in the probability of hospital admission as well as a decrease in overall inpatient health care costs. This association showed a temporal sequence. Moreover, the study
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