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Insurance Office of America Case Study


IOA was seeing their claims rise while deploying traditional cost-management strategies. Within three years:

  • Overall claims costs had jumped 200 percent.
  • Average claims per person increased over 65 percent.

They wanted to continue providing quality coverage to their employees and families, but something had to change. 

Consulting with IOA, Bravo administered an achievement-based program that gave participants a chance to earn a monthly insurance premium discount for meeting a health goal or making progress toward the goal. Bravo’s flexibility allowed IOA to leverage its existing wellness resources, tools and an educational newsletter already popular with employees. Each of these provided an additional layer of support for high-risk participants.

Participation has averaged 96.8 percent. Where national trends for obesity, hypertension and diabetes have increased year-over-year, IOA is seeing marked improvement. In addition to health improvement, premium costs have decreased each year.

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