In Business Magazine: Healthcare Desicions

HEALTHCARE DECISIONS

A Focus on Open Enrollment for Business

Preparing Our Business Community by Educating Them on Healthcare Options

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Stepping up

to recognize Arizona businesses

Your business succeeds when you take care of your people.

We succeed when we take care of you.

UnitedHealthcare provides a broad portfolio of health care plans developed with the needs of Arizona businesses in mind. And our plans include services and extras to help businesses and their employees make the most of their time and money. We are proud to be a sponsor of In Business Magazine’s The New Healthcare forum.

Š2014 United HealthCare Services, Inc. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Health Plan coverage provided by or through a UnitedHealthcare company. UHCAZ690199-000

HEALTHCARE DECISIONS

Healthcare Is Friend to Business This is as tumultuous a time as I can remember in my more than 35 years of healthcare experience.

National healthcare reform, courtesy of the Affordable Care Act, has brought sweeping changes to the insurance and benefits landscape. Rising costs continue to challenge employers and consumers, who are also forcing needed changes in how we deliver care. And new alliances among health providers, from consolidation to creative new partnerships, are re-making hospital systems before our eyes.

Through all of this transition, it’s more important than ever for healthcare professionals in all facets of the industry to remain focused on what matters most: putting patients first. Patients are the ones navigating complex ACA enrollment guidelines, seeking transparency in hospital billing and battling healthcare bureaucracy at a time when they should be getting (or staying) well.

For all of the well-worn challenges, we have much reason for optimism in Arizona. In this state, healthcare and business leaders teamed up in 2013 to support Governor Brewer in passage of her Medicaid Restoration initiative. More than 200,000 Arizonans have already enrolled in the program this year, and hospitals are saving tens of millions of dollars in costs for care provided to the uninsured.

As we know, healthcare is business — big business! Hospitals alone employ more than 80,000 Arizonans. The importance of the healthcare system to our state’s economy is all the more reason for business and healthcare leaders to stand shoulder to shoulder whenever possible in advocating for sensible policy.

Our state is a national leader in healthcare innovation. New healthcare delivery models, the AHCCCS Medicaid system, rural telemedicine and exciting clinical research aimed at curing disease are just a few examples that stand as testament to what can be achieved when we join forces in identifying sound, collaborative solutions to our shared healthcare challenges.

Through all of the change that looms ahead for the healthcare industry, we pledge that the Arizona Hospital and Healthcare Association and its members will strive to achieve what we call the Triple Aim of healthcare — lower costs, better care and better health. And we will always be mindful to put patients first in this quest.

I invite you to read the important information included with this Open Enrollment Guide to Benefits, and thank In Business Magazine for this important reader service for business owners

Greg Vigdor is president and CEO of the Arizona Hospital and Healthcare Association, the state’s largest and most influential organization representing hospitals, health systems and affiliated organizations across Arizona.

Prior to leading AzHHA, Vigdor was president and CEO of the Washington Health Foundation.

Vigdor earned his Bachelor of Arts from the University of Connecticut, a Masters of Health Administration from the University of Washington, and a Juris Doctor from George Washington University Law School.

and executives.

Greg Vigdor President and CEO Arizona Hospital and Healthcare Association

HEALTHCARE NS DECISollIO ment for Business A Focus on Open Enr

Preparing Our Business Community by on Educating Them s Healthcare Option

The In Business Magazine Healthcare Decision: A Focus on Open Enrollment for Business is a special section meant to remind company owners as to the options that are available in the upcoming individual marketplace open enrollment window — November 15, 2014, to February 15, 2015. Open enrollment timing can happen throughout the year for company policies, but with the national window open during this time, we feel it is important to highlight various opportunities and list those groups offering plans and/ or services. Using healthcare as a tool to build productivity through a healthy work force is an advantage to business regardless of regulation and/or mandates, and it is becoming ever clearer that healthcare will be a focus for business owners and not simply an outsourced option as it has been in the past.

d by: Section Sponsore

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HEALTHCARE DECISIONS Associations & Government

Employee Benefits Consultants

Many associations and government healthcare services give specific information on policies, open enrollment dates and services provided that may help employers understand the many options.

Below is a list of local organizations.

Using a consultant to work though options and the many plans can alleviate much of the confusion surrounding healthcare these days. We have included a list of brokers and firms that are reputable and have a tremendous amount of experience working with business to provide plans and ensure compliance.

Arizona Dental Association 3193 N. Drinkwater Blvd., Scottsdale (480) 344-5777 azda.org Arizona Foundation for Medical Care 326 E. Coronado Rd., Phoenix (602) 252-4042 azfmc.com Arizona Health Care Association 1440 E. Missouri Ave., Phoenix (602) 265-5331 azhca.org Arizona Health Care Cost Containment System (AHCCCS) 801 E. Jefferson St., Phoenix (602) 417-4000 azahcccsa.gov Arizona Hospital and Healthcare Association 2800 N. Central Ave., Phoenix (602) 445-4300 azhha.org Arizona Medical Association 810 W. Bethany Home Rd., Phoenix (602) 246-8901 azmed.org Arizona Pharmacy Association 1845 E. Southern Ave., Tempe (480) 838-3385 azpharmacy.org Maricopa County Medical Society 326 E. Coronado Rd., Phoenix (602) 252-2015 mcmsonline.com

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Dental Insurance

Arizona Benefit Consultants, LLC 6245 N. 24th Pkwy., Suite 201, Phoenix (602) 956-5515 abcllc.com

Getting the right coverage means truly investigating the best plans and supplemental plans. Here is a list of area companies offering dental insurance that have a great reputation and plan options for individuals and groups.

Benefits By Design 8631 S. Priest Dr., Tempe (480) 831-7700 benefitsbydesignaz.com

American Dental Plan 1645 E. Bethany Home Rd., Phoenix (602) 265-6677 arizdental.com

Blue Water Benefits Consulting 14301 N. 87th St., Suite 306, Scottsdale (480) 313-0910 employeebenefitcompliance.com

Benefits By Design 8631 S. Priest Dr., Tempe (480) 831-7700 benefitsbydesignaz.com

Breslau Insurance & Benefits Paul Breslau 8362 E. Via de Risa, Scottsdale (602) 692-6832 breslauinsurance.com

Breslau Insurance & Benefits Paul Breslau 8362 E. Via de Risa, Scottsdale (602) 692-6832 breslauinsurance.com

Connect Benefits 1818 E. Southern Ave., Mesa (480) 985-2555 connect-benefits.com

Delta Dental of Arizona 5656 W. Talavi Blvd., Glendale (602) 938-3131 deltadentalaz.com

Employee Benefits Exchange 1745 S. Alma School Rd., Suite 210, Mesa (480) 839-6100 ebxaz.com

JDH Insurance Brokerage Services Heather Wunderle 20403 N. Lake Pleasant Rd., Suite 117-234, Peoria (623) 594-0926 jhdinsurance.com

FBC Services, Inc. 14201 N. 87th St., Scottsdale (602) 277-8477 fbcserv.com Focus Benefits Group 4120 N. 20th St., Suite B, Phoenix (602) 381-9900 focusbenefits.com Health Insurance Express, Inc. Superstition Marketplace 1155 S. Power Rd., Mesa (480) 654-1200 healthinsurance-express.com

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Horizon Benefits Group 6245 N. 24th Pkwy., Suite 216, Phoenix (602) 957-3755 horizonbenefits.com

Matsock & Associates 2400 E. Arizona Biltmore Circle, Phoenix (602) 955-0200 matsock.com Powers-Leavitt Insurance 14301 N. 87th St., Suite 209, Scottsdale (480) 348-1100 powers-leavitt.com Southwest Dental Group 6601 S. Rural Rd., Tempe (480) 456-0821 southwestdentalgroup.com

»

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HEALTHCARE DECISIONS

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and children. We also have an outpatient specialty clinic, along with 11 Family Health Centers, located across the Valley to serve you and your family’s healthcare needs.

Meritus and MIHS look forward to serving your healthcare needs as we work together to bring comprehensive healthcare to those who live in Maricopa County.

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HEALTHCARE DECISIONS

Advertising Profile

Delta Dental of Arizona With 40 years of experience insuring healthy smiles across the state, Delta Dental of Arizona knows what it takes to provide access to great dental care.

Wider Smile Coverage Delta Dental covers 892,000 smiles in Arizona — more than any other dental benefits carrier in the state. With the largest network of dentists locally and nationally, Delta Dental offers a full range of plans to fit any budget and any size company.

We Do Dental Better Delta Dental specializes exclusively in dental coverage. Our local customer service representatives are knowledgeable experts with a background in oral health and dental benefits. Plus, 99.96 percent of claims are paid within 10 business days at an accuracy rate of 99.88 percent.

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dental disease prevention programs.

Delta Dental Premier:

Delta Dental PPO plus Premier:

This traditional fee-for-service plan gives members the freedom to visit the dentist of their choice. It is ideal for employers wanting to offer nationwide access to more than 145,000 dentists.

Delta Dental PPO plus Premier offers the ultimate in flexibility and value by leveraging our two largest national networks. Members save on out-of-pocket costs and employers experience lower claims costs. No other dental carrier offers this level of savings and balance-billing

Delta Dental PPO: Delta Dental PPO is a great choice for employers seeking lower costs without sacrificing dentist choice. Members have access to more than 2,800 dentists in Arizona and 89,500 dentists nationwide.

protection.

Individual & Family: Our Individual & Family plans offer affordable dental coverage for children, families and adults.

Planning on purchasing dental benefits via Healthcare.gov? Delta Dental of Arizona plans are available there, too!

5

Tips for Choosing the Right Dental Plan for Employees

Read all 5 tips at http://goo.gl/0kctSV

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CONTACT: Phone: (800) 352-6132 Website: deltadentalaz.com Address: 5 656 W. Talavi Blvd.

Glendale, AZ 85306

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HEALTHCARE DECISIONS Individual & Group Health Insurance Knowing what plan is right for your employees and understanding who is managing that plan can make all the difference for your company. We have included below a list of reputable and experienced insurance companies, many of which you will be familiar with, that can guide your organization to the perfect group or individual plans.

Aetna 4645 E. Cotton Center Blvd., Phoenix (800) 225-3375 aetna.com Amenda Insurance Associates Ltd 15230 N. 75th St., Suite 2031, Scottsdale (480) 284-6400 douglasamenda.com American Family Insurance Multiple Agents Valley-wide (877) 777-4804 amfam.com Benefits By Design 8631 S. Priest Dr., Tempe (480) 831-7700 benefitsbydesignaz.com Blue Cross Blue Shield of Arizona 2444 W. Las Palmaritas Dr., Phoenix (602) 864-4899 azblue.com Bowman & Associates 16042 N. 32nd St., Bldg. A, Phoenix (602) 482-3300 bowmaninsurance.com Breslau Insurance & Benefits Paul Breslau 8362 E. Via de Risa, Scottsdale (602) 692-6832 breslauinsurance.com Cigna 21020 N. 19th Ave., Phoenix (623) 516-7000 cigna.com

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Farmers Insurance Group Kara Anspach 15849 N. 71st St., Suite 255, Scottsdale (480) 998-8070 farmersagent.com/kanspach Glass Financial Group 4455 E Camelback Rd., Suite 260D, Phoenix (602) 952-1202 glassfinancialgroup.com HealthNet 1230 W. Washington St., Suite 401, Tempe (800) 289-2818 healthnet.com

Hospitals Many of the healthcare providers listed below are part of specific networks or have created their own network to lower costs for businesses and individuals with the intent to provide all needed services for the patient.

Arizona Heart Hospital 1930 E. Thomas Rd., Phoenix (602) 532-1000 abrazohealth.com Arrowhead Hospital 18701 N. 67th Ave., Glendale (623) 561-1000 arrowheadhospital.org

Humana Health Insurance of Phoenix 20860 N. Tatum Blvd., Suite 400, Phoenix (480) 515-6400 humana.com

Banner Baywood Medical Center 6644 E. Baywood Ave., Mesa (480) 321-2000 bannerhealth.com/baywood

JDH Insurance Brokerage Services Heather Wunderle 20403 N. Lake Pleasant Rd., Suite 117-234, Peoria (623) 594-0926

Banner Boswell Medical Center 10401 W. Thunderbird Blvd., Sun City (623) 832-4000 bannerhealth.com/boswell

Powers-Leavitt Insurance Agency Charlene Powers 14301 N. 87th St., Suite 209, Scottsdale (480) 348-1100 powers-leavitt.com Reseco Insurance Advisors Todd Newton 7901 N. 16th St., Suite 100, Phoenix (602) 509-5757 resecoadvisors.com State Farm Arizona Multiple Agents Valley-wide (877) 331-8261 statefarm.com UnitedHealthcare 1 E. Washington St., Suite 1700, Phoenix (800) 985-2356 uhc.com

Banner Del E. Webb Medical Center 14502 W. Meeker Blvd., Sun City West (623) 524-4000 bannerhealth.com Banner Desert Medical Center 1400 S. Dobson Rd., Mesa (480) 412-3000 bannerhealth.com/desert Banner Estrella Medical Center 9201 W. Thomas Rd., Phoenix (623) 327-4000 bannerhealth.com Banner Gateway Medical Center 1900 N. Higley Rd., Gilbert (480) 543-2000 bannerhealth.com Banner Good Samaritan Medical Center 1111 E. McDowell Rd., Phoenix (602) 839-2000 bannerhealth.com

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HEALTHCARE DECISIONS Banner Heart Hospital 6750 E. Baywood Ave., Mesa (480) 854-5000 bannerhealth.com

Maryvale Hospital 5102 W. Campbell Ave., Phoenix (623) 848-5000 maryvalehospital.com

Banner Ironwood Medical Center 37000 N. Gantzel Rd., San Tan Valley (480) 394-4000 bannerhealth.com/ironwood

Mayo Clinic Hospital 5777 E. Mayo Blvd., Phoenix (480) 515-6296 mayoclinic.org

Banner MD Anderson Cancer Center 2946 E. Banner Gateway Dr., Gilbert (480) 256-6444 bannerhealth.com

Mercy Gilbert Medical Center 3555 S. Val Vista Dr., Gilbert (480) 728-8000 mercygilbert.org

Banner Thunderbird Medical Center 5555 W. Thunderbird Rd., Glendale (602) 865-5555 bannerhealth.com

Mountain Vista Medical Center 1301 S. Crismon Rd., Mesa (480) 358-6100 mvmedicalcenter.com

Cancer Treatment Centers of America at Western Regional Medical Center 14200 Celebrate Life Way, Goodyear (623) 207-3000 cancercenter.com

Paradise Valley Hospital 3929 E. Bell Rd., Phoenix (602) 923-5000 paradisevalleyhospital.com

Cardon Children’s Medical Center 1400 S. Dobson Rd., Mesa (480) 412-5437 bannerhealth.com Chandler Regional Medical Center 1955 W. Frye Rd., Chandler (480) 728-3000 chandlerregional.org Gilbert Hospital 5656 S. Power Rd., Gilbert (480) 984-2000 gilberter.com John C. Lincoln Deer Valley Hospital 19829 N. 27th Ave., Phoenix (623) 879-6100 jcl.com John C. Lincoln North Mountain Hospital 250 E. Dunlap Avenue, Phoenix (602) 943-2381 jcl.com Maricopa Medical Center 2601 E. Roosevelt St., Phoenix (602) 344-5011 mihs.org

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Phoenix Baptist Hospital 2000 W. Bethany Home Rd., Phoenix (602) 249-0212 phoenixbaptisthospital.com Phoenix Children’s Hospital 1919 E. Thomas Rd., Phoenix (602) 933-1000 phoenixchildrens.com St. Joseph’s Hospital & Medical Center 350 W. Thomas Rd., Phoenix (602) 406-3000 stjosephs-phx.org St. Luke’s Medical Center 1800 E. Van Buren St., Phoenix (602) 251-8100 stlukesmedcenter.com Scottsdale Healthcare Shea Medical Center 9003 E. Shea Blvd., Scottsdale (480) 323-3000 shc.org Scottsdale Healthcare Osborn Medical Center 7400 E. Osborn Rd., Scottsdale (480) 882-4000 shc.org

Workplace Bundled Health Programs In focusing on creating the perfect plan for your company, these local providers offer direct benefits that your organization may rely on to ensure a strong healthcare program and policies for your employees.

Arrowhead Health Centers Multiple locations (623) 334-4000 arrowheadhealth.com Surgical Specialty Hospital 6501 N. 19th Ave., Phoenix (602) 795-6020 sshaz.com

Workplace Wellness There are many companies working to orchestrate alternative healthcare plans and consulting to customize healthcare benefits programs and policies for companies. These organizations below offer consulting, program development and direct care programs for businesses of all sizes.

Absolute Health 8360 E. Raintree Dr., Suite 135, Scottsdale (480) 991-9945 absolutehealthaz.com Healthcare Solutions Centers 4831 N. 11th St., Phoenix (602) 424-2101 hcsonsite.com LifeCore Group P.O. Box 10264, Glendale (602) 235-2800 myhealthdividends.com Orchard Medical Consulting Robin Orchard 3033 N. Central Ave., Phoenix (602) 472-4700 orchardmed.com Redirect Health 16222 N. 59th Ave., Suite A-100, Glendale (623) 521-9406 redirecthealth.com INBUSINE SSMAG.COM

HEALTHCARE DECISIONS

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PLANS

Redirect Health CHANGE YOUR EXPECTATIONS

also lower the controllable E-Mod and the

We’ve been trained that healthcare is too

subsequent workers’ compensation premiums.

complex. We expect annual increases, and we

And that’s where we come in.

expect it to be difficult. What if we told you that it doesn’t have to be?

Every company should be able to expect four things from their health plan: it should satisfy ACA requirements; be affordable and practical; and be used as a tool to create a competitive advantage by attracting and retaining a happy, healthy and productive workforce. It should

THE 3DIRECT™ SYSTEM It starts with a mindset that healthcare can and will be changed, that customer experience can be great while keeping costs low. We need to think differently about healthcare.

Redirect Health helps your company build its own healthcare system so you get exactly what you want. Why use another system that has seen exponential cost increases and waste of resources when you can create your own?

Redirect Health operates your 3Direct™ System with a sound strategy that is focused on getting the best value and the best quality.

CONTACT: Email: info@redirecthealth.com Website: redirecthealth.com Address: 16222 N. 59th Ave. Suite A-100 Glendale, AZ 85306

Ten to fifteen percent of your employees spend 85-90% of your healthcare dollars.

Redirect Health’s proprietary predictive data analytics platform can help predict who that

MEC, Bronze Plus, Silver, Gold & Platinum We offer plans that fit together smartly for every type of business, customized to fit your company’s needs. It is affordable, ACA-compliant, and can give you a competitive advantage that allows you to attract and retain the best and most productive work force — and don’t forget about lower workers’ compensation costs.

services performed, so they can bypass the waste and inefficiency of the existing system while feeling empowered and informed.

Today, you can expect to pay upwards of $15,000 for baby delivery. With Redirect Health’s efficient guidance and navigation, your employees can get that cost as low as $6,000. This cost differential is seen for most procedures and services.

GETTING STARTED

10-15% is, helping us monitor and prepare for

It’s time to think differently about healthcare.

when those costs can occur. Redirect Health

It’s time your employees received the data they

can also deliver pricing and quality data

need so they are empowered to make the right

to your employees before they have costly

decisions and get the best prices.

TAKE CONTROL OF YOUR COMPANY’S HEALTHCARE ONCE & FOR ALL. BUILD YOUR OWN SYSTEM. Save 20% in the first year, with the first 10% savings guaranteed.

With Redirect Health, a significant portion of the excess fees that you paid annually for healthcare coverage can now be redirected to activities that can grow your business. You might call Redirect Health a competitive advantage, but in truth, it’s just smart business.

Visit redirecthealth.com/upload to get started on a customized system for your business.

Better for People. Better for Business. Better for America.

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The Arizona Hospital and Healthcare Association is the largest and most influential organization representing hospitals and patients in Arizona.

Our objective is to reform healthcare through

Better Care, Better Health and Lower Cost.

2800 N. Central Avenue, Ste. 1450 Phoenix, AZ 85004-1051 (602) 445-4300 (602) 445-4299 Fax www.azhha.org