2010 Columbia Health & Wellness Guide

Health & Wellness 2 0 1 0 A n E m pl o y er ' s G u i d e

Plan now or pay later Navigating health care reform

Wellness programs on the rise

Programs aim to keep employees healthy and combat rising insurance costs

Lists & Resources A reference for business owners, managers and professionals

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HEALTH & WELLNESS 2

Timeline for health reform implementation

4

Plan now or pay later A look at how health care reform will impact businesses

6

Wellness programs on the rise Programs aim to keep employees healthy while combating rising insurance costs

8

Consumers should ask questions about quality of care

9

Health Insurance Coverage & Income

LISTS & RESOURCES 12 Top 25 Health

Insurance Companies 14 Hospitals 14 Employee Benefit Brokers 16 Urgent Care Centers

Health & Wellness 2010: An employer’s guide

1

Health & Wellness 2010

Health & Wellness

W

elcome to the second annual edition of the Columbia Regional Business Report’s Health Care Guide. We created this publication to serve as a ready reference for business owners, managers and professionals who want to control company health care costs and increase the productivity and loyalty of their employees through wellness and prevention initiatives.

In this edition, we delve into the impact health care reform will have on large and small businesses, focus on the importance of corporate wellness programs and offer ways to help consumers ensure they are getting quality health care.

Section Sponsor:

Timeline for health reform implementation

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eform will unfold incrementally. Although some major elements of reform begin in 2010, others will be implemented over the course of several years.

In 2014, the most substantial changes — including shared responsibility for coverage, expansion of Medicaid, insurance exchanges and creation of an essential benefits package — will take effect. Source: The Commonwealth Fund

2010 Early retirees: A temporary reinsurance program will help offset the costs of expensive premiums for employers providing retiree health benefits.

Coverage for young adults: Parents will be able to keep their children on their health policies until the children turn 26.

Access to care: Funding will be increased by $11 billion over five years for community health centers and the National Health Services Corps to serve more low-income and uninsured people.

2

Small business tax credits: Small businesses (25 or fewer employees and average wages under $50,000) that offer health care benefits will be eligible for tax credits of up to 35% of their premium costs for two years.

a temporary, subsidized high-risk pool.

Premiums will be based on the average health status of a standard population.

Annual out-of- pocket costs will be capped at $5,950 for individuals and $11,900 for families.

“Doughnut hole” rebates: Medicare will provide $250 rebates to beneficiaries who hit the Part D prescription drug coverage gap known as the “doughnut hole.”

Protection for children: Insurers can no longer deny health coverage to children with pre-existing conditions or exclude their conditions from coverage.

High-risk pool: People with preexisting conditions who have been uninsured for at least six months will have access to affordable insurance through

Health & Wellness 2010: An employer’s guide

Preventive care: All new group and individual health plans will be required to provide free preventive care for proven preventive services. In 2011, Medicare also will provide free preventive care.

Annual review of premium increases: Health insurers will be required to submit justification for unreasonable premium increases to the federal and relevant state governments before they take effect, and to report the share of premiums spent on nonmedical costs.

New insurance rules: Insurance companies will be banned from rescinding people’s coverage when they get sick, and from imposing lifetime caps on coverage.

Restrictions will be placed on annual limits.

Continued on Page 4 ➤

Health & Wellness 2010

Health care reform: Plan now or pay later

By Bob Bouyea, bbouyea@scbiznews.com

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ith the passage of the massive health care reform legislation, business leaders are asking what they should do to navigate the new law, which is more than 1,000 pages long.

“The biggest thing is to get in and do planning now with their CPA or financial adviser,” said Betsy Roof, senior tax accountant with Derrick, Stubbs and Stith.

The Patient Protection and Affordable Care Act is so massive that it won’t be fully implemented until 2018. And Roof said she can’t say at this time how much of a financial impact the bill will have on businesses. But she did say the impact will be different for every business.

“There are a lot of details that could help a lot of businesses, but they need to prepare,” she said.

Determine the size of your business

Tom Christina, an attorney with Ogletree, Deakins, Nash,

Smoak and Stewart, advises that the first thing a business should do is determine whether it will be categorized as a small business — and therefore be eligible for the tax credits offered under the new law.

“A business could be considered large or small for different purposes,” he said. “It’s a tricky exercise to determine when a business is considered large or small.”

For example, two separate companies might qualify as small businesses under the terms of the legislation; but if they are under the control of the same entity, they will be treated as one company and no longer qualify for the tax credit.

One of the complicating issues is that three federal agencies are

2011 Continued from Page 2 ➤ Benefit disclosure: Employers will be required to disclose the value of benefits provided for each employee’s health insurance coverage on the employee’s W-2 forms.

New payment and delivery approaches: A new Center for Medicare and Medicaid Innovation will test reforms that reward providers for quality of care rather than volume of services.

Medicare will increase payment for primary care physicians by 10% for primary care services.

CLASS Act: A national, voluntary insurance program for purchasing community living assistance services and support (CLASS) will be established. All working adults will be automatically enrolled

4

involved in the management of the legislation: the Department of Health and Human Services, the Department of Labor and the Internal Revenue Service.

“There is no guarantee that the three agencies will define things the same way,” Christina said.

One agency, for example, defines a large employer as a company that employs an average of 50 people or more in the preceding calendar year; another agency defines a small employer as one that has 25 or fewer full-time-equivalent employees working an average of 30 hours or more, excluding owners and their family members.

“One is counting heads and the other is counting hours worked,”

2012 – 2013

— unless they opt out — through payroll deductions that, after five years, will qualify them for monthly payments toward services to help them stay at home should they become disabled.

Pharmaceutical manufacturer fee: An annual, non-deductible fee will be imposed on pharmaceuticals and importers’ branded drugs, based on market share.

OTC drug reimbursement restrictions: Over-the-counter drugs not prescribed by a doctor will no longer be reimbursable through flexible spending accounts or health reimbursement arrangements, or on a tax-free basis in health savings accounts.

Physician quality reporting: Medicare will launch a Physician Compare

Health & Wellness 2010: An employer’s guide

website where beneficiaries can compare measures of physician quality and patient experience.

“Doughnut hole” discounts: Medicare beneficiaries in the Part D prescription drug coverage “doughnut hole” will receive 50% discounts on all brandname drugs. By 2020, the “doughnut hole” coverage gap will be closed.

Premium share spending: Health plans in the large-group market that spend less than 85% of their premiums on medical care, and plans in the smallgroup and individual markets that spend less than 80% on medical care, will be required to offer rebates to enrollees.

2012

Medicare value-based purchasing: Medicare will reward hospitals that provide higher quality or better patient outcomes.

2013 Administrative simplification: Health insurers must follow administrative simplification standards for electronic exchange of health information to reduce paperwork and administrative costs.

Flexible spending limits: Contributions to flexible spending accounts (FSAs) will be limited to $2,500 a year, indexed to the Consumer Price Index (CPI).

Health & Wellness 2010

Christina said.

The latter, Roof explained, is the IRS’ method for determining eligibility for the tax credit.

In 2012, employers will be tasked with more record-keeping too, meaning they may need to either hire more staff or outsource the work. One such new data process is having to report health benefits on W-2s, Roof said. Also in 2012, employers will have to supply 1099s to all vendors who are paid $600 or more.

That extra data could be a burden on the employer. And Roof said the IRS is asking for public comment about how to best implement the requirement to help reduce the burden.

William Wright, a partner with Fisher & Phillips law firm, said he has seen some anxiety about how the government is going to use the information.

“And what if you get it wrong?

Will there be fines or fees?” he asked.

Apart from the tax credits and some other requirements, much of the health care reform will not kick in until four years from now, Wright said.

One thing a company needs to

keep in mind, regardless of when reforms kick in, is when its plan year begins, he said. A company might have to meet requirements earlier than expected, based on that date, Wright said.

Grandfather status

The act provides that certain group health plans in existence on March 23, 2010, are subject only to certain provisions.

If grandfather status is granted, though, Wright said it can be easily lost simply by making changes to policies. Some examples include entering into a new policy, eliminating benefits, increasing co-insurance, or increasing deductibles or out-of-pocket limits.

But Christina added that if a company amends its plan but then rescinds the changes before they go into effect, the company will retain its grandfather status.

“A lot of these rules that run counter to normal business intuition are sort of like traps that can hurt a business in the long run,” he said. “They will lose exemptions and must comply to all mandates to the full-blown act.”

Change of plan

When the bill first came out, many businesses classified as large employers said it would be more cost-effective to pay the penalty than to provide insurance as required by this law.

2014

Christina said he is hearing that less now than he did when the bill was passed. Companies are taking a harder look at the impact that decision would make on their business, considering that they might have to provide the benefits to attract or retain workers if there is a high demand for the type of laborer they employ.

He also cautions small businesses to keep an eye on what each state is doing in regard to insurance exchanges, which open to small employers in 2014. Some states will provide the insurance pool; others won’t. In those states that don’t, the pools will be managed by the Department of Health and Human Services. And requirements and regulations could be different based on this.

Both Christina and Wright say the impact that reform will have on businesses depends on what amendments get piled on, changing the law.

“I’m not counseling my clients that it will change, but I’m saying it’s subject to change,” Wright said. cr br

Reach Bob Bouyea at 803-4011094, ext. 200.

2018

Shared responsibility for coverage: Individuals will be required to carry health insurance, and employers with 50 or more workers will be required to offer health benefits or be subject to a fine of $2,000 per employee (not counting the first 30 employees) if any worker receives governmental assistance with premiums through the insurance exchanges.

will make coverage affordable for families with annual incomes between $30,000 and $88,000 that buy plans through the exchanges.

group markets, with a choice among tiers of plans (bronze, silver, gold and platinum) that have different levels of cost sharing.

High-cost insurance plans: Insurers will face a 40% excise tax on policies with premiums over $10,200 for individuals or $27,500 for family coverage.

Medicare managed care plans: Four- and five-star Medicare private plans will receive 5% bonuses as a reward for providing better clinical quality and patient experiences.

Source: The Commonwealth Fund

Insurance industry fee: Insurers will pay an annual fee, based on market share, to help pay for reform.

Insurance exchanges: New statebased marketplaces will offer small businesses and people without employer coverage a choice of affordable health plans that meet new essential benefit standards.

Independent payment advisory board: A new independent payment advisory board within the executive branch will work to identify areas of waste and federal budget savings in Medicare.

The board’s recommendations must not ration care, raise taxes or change Medicare benefits, eligibility or cost sharing.

New rules for insurers: Insurers will be banned from restricting coverage or basing premiums on health status.

Annual, in addition to lifetime, limits on benefits are banned.

Premium subsidies: Premium and cost-sharing assistance on a sliding scale

Essential benefits package: The Department of Health and Human Services will establish an essential standard benefits package for policies sold in the exchanges, and individual and small-

Medicaid expansion: Medicaid eligibility will be expanded to all legal residents with incomes up to 133% of the federal poverty level. Currently, states have different — and in many cases very low — eligibility thresholds, and most states do not cover adults without children.

Health & Wellness 2010: An employer’s guide

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Health & Wellness 2010

Wellness programs on the rise

Programs aim to keep employees healthy while combating rising insurance costs

By Allison Cooke Oliverius, aoliverius@scbiznews.com

A

growing number of companies intent on improving the health and well-being of their employees — and boosting productivity and the bottom line — are implementing wellness programs.

In fact, a recent study by MetLife revealed that more than 37% of small companies and 61% of large companies nationwide now offer wellness programs, up from 27% and 46%, respectively, in 2005.

Health care reform could further increase these numbers, as $200 million has been set aside within the Patient Protection and Affordable Health Care Act to provide grants for small companies to begin offering wellness programs.

And in 2014, the law will enable all businesses to increase incentives for employee participation.

Why begin a wellness program

Dr. Ann Kulze, a corporate

return on investment.”

The most effective corporate wellness programs are generally showing a return of $4 for every $1 spent, she said, adding that returns can be seen in 12 to 24 months.

How to begin a program

wellness trainer, motivational speaker and owner of Just Wellness, says corporate programs began as a way for companies to reduce health care expenses but have evolved into a way to increase profits while making the workplace more inviting for employees.

“It’s not just about saving mon-

ey, it’s about making money — really big money,” Kulze said. “There is a solid core of science telling us that unhealthy lifestyles increase health care costs.

“Workplace wellness decreases health care costs. And we now have a solid core of evidence that the programs also provide a positive

Companies vary in the design of their wellness programs. Some human resources departments take responsibility for oversight of the wellness program; other companies establish wellness committees, giving employees more control.

The Internet offers many useful tools to help create a program, and consultants like Kulze can design and administer a program for you for a fee.

Beginning a wellness program can be as simple as educating your employees on the advantages, then recruiting a committee of employees to help develop a wide variety

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Health & Wellness 2010: An employer’s guide

Patients First. Quality First. InMed First.

Health & Wellness 2010 of programs to appeal to different types of employees.

Typical programs begin with a health assessment and, based on the wants and needs of the employees, could include programs for weight loss or smoking cessation. Employees might be invited to walk during their lunch hour or sign up to run a race together.

Monthly newsletters filled with health tips and nutritious recipes could be sent to employees. Lunchand-learn workshops might be organized, featuring local health and wellness professionals.

Some companies build on-site wellness centers where employees, and sometimes family members, can work out or take a health education class. Other companies make sure healthy food is available or offer flexible work schedules so employees can exercise before, during or after work.

“Environmental changes are key,” Kulze said. “You have to take steps to ensure the work environment is consistent with the goal of helping employees to be healthier.”

Experts caution that companies should be sure to be aware of the

legalities involved in setting up a wellness program. For example, you must be in compliance with the Americans with Disabilities Act and the Health Insurance Portability and Accountability Act.

ment disincentives — such as requiring smokers or those that are severely overweight to pay more for their health insurance — to try to get employees to focus on and improve their health.

Cash is king

Impact of health care reform

Some companies offer incentives to keep employees motivated, but the organizing of a support system among employees — and having buy-in from the top down — is crucial to success.

“The single greatest role model, and in my experience where companies have seen the greatest results, is when the CEO is on board,” Kulze said. “If they see someone who has transformed their own health, it gets them fired up.”

Still, monetary incentives play a role in employee participation.

“Studies show incentives absolutely increase participation, and cash is king,” Kulze said. “Tax advantages, a reduction in health care premiums, gift cards … you’d be surprised at how little it takes to incentivize employees and get 75% to opt in.”

Some companies also imple-

Under the health care reform law, $200 million has been set aside to fund grants that will allow eligible small employers to create wellness programs. Eligible businesses include those with fewer than 100 employees who work 25 hours or more per week and did not have a workplace wellness program in place as of March 23, 2010.

“The big guys have had wellness programs and even have wellness coordinators on staff, but we all know that the companies that really hurt the most as a result of health care costs and poor health of employees are the small businesses,” Kulze said.

In addition, in 2014, the act will allow employers to offer bigger incentives for employee participation in health promotion programs.

The cap for wellness incentives will increase from 20% to 30%.

Get regular screenings Simply having an annual physical exam can lead to better health and lower health care costs. The frequency at which you have an exam depends on your age and family history.

Generally: • Have at least one physical while in your 20s.

• Have a physical every one to two years in your 30s.

• Begin annual physicals at age 40.

• Based on family history and physical health, a regular exam might be needed more frequently.

• Begin colon cancer screenings at age 50; begin at age 40 if you have a family history of colon cancer.

“This is such a boon to the wellness industry, and to businesses,” Kulze said. “Prevention and wellness is the key aspect of the reform, and these incentives will really drive and incite more employers to get on the ball with workplace wellness initiatives.” cr br

Reach Allison Cooke Oliverius at 843-849-3149.

Empowering companies to go above the rest.

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We empower clients with tools to manage their employees’ health risks and their benefit costs. Talk to Clarke & Company Benefits to see how we can empower your company by educating your employees and making your company healthier.

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Health & Wellness 2010: An employer’s guide

7

Health & Wellness 2010

Consumers should ask questions about quality of care Staff Report

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any people trust their doctors and health care providers to make the best decisions for them. Patients might feel intimidated or too embarrassed to ask questions or seek a second opinion, but the role of a responsible health care consumer is to assess the quality of health care.

Even though insurance might limit health care choices, consumers can still ensure basic standards of quality are being met.

Currently, few national standards for health care quality exist, but organizations like the National Quality Forum and the Institute of Medicine are researching best practices and established standards for patient care.

The Institute of Medicine defines quality as “the degree to which health services for individuals and populations increase the likelihood of desired health outcomes and are consistent with current professional knowledge.”

Both organizations see quality care as being safe, timely, effective, beneficial, patient-centered, equitable and efficient. Standards of care would establish a matrix for achievement of these requirements for quality care. An example of a performance measure would be immediate administration of an aspirin to a heart attack patient to keep blood clots from forming.

Do your homework

With health care costs expected to rise again in 2010, patients can’t afford to not be savvy consumers.

Employers should encourage their employees to ask questions and understand their health care.

Several websites allow patients to compare hospitals, such as www. hospitalcompare.hhs.gov, and see how they rank in terms of services and overall quality. A little research can go a long way toward money savings and better care.

Patients should also take the time to understand their treat-

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Online Resources

These sites can help you compare hospitals and research doctors.

Agency for Healthcare Research and Quality www.ahrq.gov American Hospital Directory www.ahd.com American Medical Association www.ama-assn.org

Institute of Medicine www.iom.edu

National Quality Forum www.qualityforum.org

Joint Commission www.jointcommission.org

S.C. Hospital Association www.scha.org

National Institutes of Health www.nih.gov

U.S. Department of Health & Human Services Hospital Compare www.hospitalcompare. hhs.gov

DocFinder www.docboard.org Federation of State Medical Boards www.fsmb.org Healthfinder www.healthfinder.gov

Inquiring minds = healthy bodies

The following are 10 basic questions every patient should ask: • What is this test for?

• How many times have you done this (test/procedure)?

• When will I get the results?

• Why do I need this surgery?

• Are there any alternatives to this surgery?

• What are the possible complications?

• Which hospital is best for my needs?

• How do you spell the name of that ments, including tests and prescription medications. Medically sound websites can provide useful information on tests, drugs and potential treatments. Patients should arm themselves with some background research so they can ask questions and intelligently discuss their care with their physician.

Educating health care consumers

The Agency for Healthcare Research and Quality, in conjunction with the Advertising Council, has

Health & Wellness 2010: An employer’s guide

drug?

• Are there any side effects?

• Will this medicine interact with medicines that I’m already taking?

More questions can be found on the question builder at www.ahrq. gov/questionsaretheanswer/questionBuilder.aspx.

Source: Agency for Healthcare Research and Quality, www.ahrq.gov launched a campaign to encourage patients to take an active role in their health care, especially by asking questions.

Materials available on the agency’s website, www.ahrq.gov/questionsaretheanswer, include a question builder that lets patients customize a list of questions to bring to their next doctor’s appointment.

“People spend more time mentally preparing when they go to see the car mechanic,” said agency director Dr. Carolyn Clancy.

“People arrive (at the doctor) and

expect me to be the conductor.

Many people will say they don’t get enough time with doctors.

They are probably right, but if you think ahead and prepare with questions, you will get more out of the encounter.”

As an example, Clancy said that patients with a chronic illness who are engaged and active in their treatment have better results than those who are not.

In addition, asking questions can help you avoid becoming a victim of a medical error. Clancy points to a report her agency published with the American Hospital Association that focuses on five steps to safer health care: 1. Ask questions if you have doubts or concerns. With each medical encounter, people ask an average of 1.4 questions, Clancy said, including questions about parking. “As a doctor, I can’t know what is in someone’s head.”

2. Keep a list of all medicines you are taking, including non-prescription medicines.

3. Get the results of any test or procedure. “What many people don’t appreciate is that there is no standard expectation for how to notify people about test results,” Clancy said. “Some doctors think no news is good news. You need to know the results.”

4. Talk to your doctor about which hospital is best for your needs, if you have more than one hospital you can choose from.

5. If you’re having surgery or some other procedure, understand the procedure.

“These are steps you can take even if you have limited choices (because of health insurance guidelines),” Clancy said. “The more you participate, the better off you are.”

For a copy of “5 Steps to Safer Health Care” call the Agency for Healthcare Research and Quality at 800-358-9295 or e-mail ahrqpubs@ahrq.gov. cr br

Health & Wellness 2010

Health Insurance Coverage & Income % of population w/ health insurance coverage

S.C. U.S. overall 2004-2005.........................84.0%.................................. 84.9% 2007-2008.........................83.9%.................................. 84.7% Change.............................. -0.1%...................................-0.2%

% of employees in establishments that offer health insurance

S.C. U.S. overall 2005.................................86.30%................................ 86.90% 2008.................................87.40%................................ 87.70% Change...............................1.10%.................................. 0.80%

% of eligible employees enrolling in health insurance offered by employers

S.C. U.S. overall 2005.................................77.80%................................ 79.60% 2008.................................75.80%................................ 78.70% Change............................ -2.00%.................................-0.9 [*]

% of premiums contributed by employees enrolled in employer-sponsored single coverage

S.C. U.S. overall 2005.................................19.70%................................ 18.10% 2008.................................19.00%................................ 20.10% Change............................ -0.30%.............................. 2.0 [***]

% of working adults spending 20% or more of family income on out-of-pocket medical expenses

S.C. U.S. overall 2004...................................4.20%.................................. 3.50% 2007...................................3.00%.................................. 2.80% Change.......................... -1.2 [**].............................-0.7 [***]

[*] Significant difference between time periods at 90% confidence level [**] Significant difference between time periods at 95% confidence level [***] Significant difference between time periods at 99% confidence level Sources: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. Medical Expenditure Panel Survey-Insurance Component, 2008. Medical Expenditure Panel Survey-Household Component, 2007; Kaiser Commission on Medicaid and the Uninsured. Medicaid Enrollment in 50 States: June 2008 Data Update; U.S. Census Bureau. Current Population Survey Annual Social and Economic Supplement, 2005, 2006, 2008, 2009.

Health & Wellness 2010: An employer’s guide

9

Lists & Resources

Lists & Resources

T

he following section is meant to serve as a ready reference for business owners, managers and professionals.

In addition to a wealth of numbers and statistics related to the health care industry, the Lists & Resources section includes a vast amount of information on the region’s top businesses in the health care industry presented in list form.

Section Sponsor

Selected Active, Non-Federal S.C. Health Professionals by Primary County of Practice* Employment Calhoun

Fairfield

Kershaw

Lexington

Newberry

Richland

Saluda

Sumter

PHYSICIANS 1* PRIVATE OFFICE 2006

2

12

54

287

41

732

5

105

PHYSICIANS 1* OTHER OR NOT STATED 2006

0

6

19

101

10

532

3

52

REGISTERED NURSES 2006

28

60

274

1,524

155

4,825

47

629

LICENSED PRACTICAL NURSES 2006

27

50

155

356

99

985

32

162

PHYSICAL THERAPISTS 2008

0

0

3

17

2

55

1

7

PHYSICAL THERAPIST ASSISTANTS 2007

8

10

32

213

24

488

6

66

OCCUPATIONAL THERAPISTS 2007

1

4

12

39

5

105

2

23

RESPIRATORY CARE PRACTITIONERS 2* 2007

1

4

17

85

19

286

0

31

DENTISTS 3* PRIVATE OFFICE 2007

4

5

24

124

16

201

5

41

DENTISTS 3* OTHER OR NOT STATED

0

0

0

2

0

22

0

1

DENTAL HYGIENISTS 2007

2

2

24

162

12

185

6

36

PHARMACISTS 2007

1

6

12

47

4

81

0

22

OPTOMETRISTS 2008 2 6 12 79 9 206 3 27

1*: Physicians are included in their primary practice county as well as in any county in which they have a secondary private practice location. However, they are counted only once in state totals; therefore, the sum of the county totals will not equal the sum of the state totals.

2:* Totals for Respiratory Care Practitioners include Federal employees.

3*:Dentists are included in their primary practice county as well as in any county in which they have a secondary private practice location. However, they are counted only once in state totals; therefore, the sum of the county totals will not equal the sum of the state totals.

Source: S.C. Department of Labor, Licensing and Regulation; SC B&CB Office of Research and Statistics

10

Health & Wellness 2010: An employer’s guide

Lists & Resources

Top 20 Health Insurance Companies Ranked by Dollar Amount of Premiums Written in South Carolina in 2008 Phone Web Site*

Premiums Written in South Carolina in 2008

800-550-6322 www.southcarolinablues.com

$1,204,823,794

860-702-5000 www.uhc.com

$298,112,648

843-266-1800 www.aflac.com

$64,661,718

860-273-0123 www.aetna.com

$64,393,734

212-578-2211 www.metlife.com

$57,972,686

860-726-6000 www.cigna.com

$56,817,076

317-715-7111 www.goldenrule.com

$49,637,432

860-547-5000 www.thehartford.com

$42,883,822

888-322-4629 www.genworth.com

$33,098,526

803-798-7000 www.coloniallife.com

$32,435,121

Company BlueCross and BlueShield of South Carolina 4101 Percival Road Columbia, SC 29223 United Healthcare Insurance Co. 450 Columbus Blvd.

Hartford, CT 06115 American Family Life Assurance Co. of Columbus 1932 Wynnton Road Columbus, GA 31999 Aetna Life Insurance Co. 151 Farmington Ave. Hartford, CT 06156 Metropolitan Life Insurance Co. 200 Park Ave. New York, NY 10166 Connecticut General Life Insurance Co. 1601 Chestnut St. Philadelphia, PA 19192 Golden Rule Insurance Co. 7440 Woodland Drive Indianapolis, IN 46278 Hartford Life and Accident Insurance Co. 1 Hartford Plaza Hartford, CT 06105 Genworth Life Insurance Co. 6604 W. Broad St. Richmond, VA 23230 Colonial Life & Accident Insurance Co. 1200 Colonial Life Blvd. W. Columbia, SC 29210

Source: S.C. Department of Insurance. This list represents the top 20 health insurance companies in South Carolina based on premiums written in 2009. *Some Web sites represent parent companies.

DNR-Did Not Respond.

We are JCAHO compliant for medical employment needs.

Approved State of SC Vendor for Lexington, Richland, Aiken, Newberry, Saluda, Calhoun and Lee Counties.

12

Columbia Office: 6941 N. Trenholm Rd., #G-1 Columbia, SC 29206

Lexington Office: 114 Haygood Ave. Lexington, SC 29072

803.790.7171 elizabeth@careerSC.com

803.359.7644 bryce@careerSC.com

Health & Wellness 2010: An employer’s guide

Researched by Clayton Wynne

Lists & Resources

Top 20 Health Insurance Companies Ranked by Dollar Amount of Premiums Written in South Carolina in 2008 Company Time Insurance Co. 501 W. Michigan St. Milwaukee, WI 53201 Guardian Life Insurance Co. of America 7 Hanover Square, H-26-E New York, NY 10004 United World Life Insurance Co. Mutual of Omaha Plaza Omaha, NE 98175 Unum Life Insurance Co. of America 2211 Congress St. Portland, ME 04101 Lincoln National Life Insurance Corp.

150 N. Radnor-Chester Road Radnor, PA 19087 Principal Life Insurance Co. 711 High St. Des Moines, IA 50307 The Mega Life and Health Insurance Co. 9151 Boulevard 26 / P.O. Box 982010 North Richland Hills, TX 76182 Union Security Insurance Co. 501 W. Michigan St. Milwaukee, WI 53201-3050 State Farm Mutual Automobile Insurance Co. 1 State Farm Plaza Bloomington, IL 61710 John Hancock Life Insurance Co. P.O. Box 111 Boston, MA 02117

Phone Web Site*

Premiums Written in South Carolina in 2008

414-271-3011 www.assuranthealth.com

$30,759,797

212-598-8000 www.guardianlife.com

$23,232,858

402-342-7600 www.mutualofomaha.com

$23,046,251

207-575-2211 www.unum.com

$20,919,725

877-275-5462 www.lfg.com

$20,689,206

515-247-5111 www.principal.com

$19,884,402

800-527-5504 www.megainsurance.com

$19,600,117

414-271-3011 www.assuranthealth.com

$19,350,721

888-411-4185 www.statefarm.com

$18,516,675

617-572-4067 www.johnhancock.com

$18,326,681

Source: S.C. Department of Insurance. This list represents the top 20 health insurance companies in South Carolina based on premiums written in 2009. *Some Web sites represent parent companies.

DNR-Did Not Respond.

Commercial Printing

Promotional / Specialty

Researched by Clayton Wynne

fulfillment / Distribution

24/7 ONLINE PROOFING

COMMERCIAL PRINTING

DIRECT FTP & INSITE ACCESS

MAILING & DISTRIBUTION

PROMOTIONAL ITEMS

FULFILLMENT

XȨɕȨɜ Tɕ <ȽȵȨȽȐ

MARKETING SOLUTIONS

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Health & Wellness 2010: An employer’s guide

13

Lists & Resources

Hospitals

Ranked by No. of Licensed Beds Phone Fax Website

No. of Licensed Beds

803-296-2273 803-296-3363 www.palmettohealth.org

1,247

Lexington Medical Center 2720 Sunset Blvd.

West Columbia, SC 29169

803-791-2000 DNR www.lexmed.com

384

Providence Hospitals C 2435 Forest Drive Columbia, SC 29204-2026

803-256-5300 DNR www.providencehospitals.com

304

803-395-2200 DNR www.trmchealth.org

286

24-hour emergency room, proactive communitywide wellness program, singleroom maternity care unit, same-day surgery center, senior care, cardiopulmonary rehabilitation, comprehensive cancer center

Thomas C. Dandridge 1919

Facility Palmetto Health B 1301 Taylor Street Columbia, SC 29203

Special Services

President/ Year Founded

High-risk obstetrics, trauma services, orthopedics, behavioral care, cardiology, oncology, neonatology, neurology, neurosurgery, medical and surgical services, pediatrics, bariatric services, outpatient services, physician network

Charles D. Beaman Jr. 1892

Cancer care services, cardiovascular services, emergency and urgent care, extended care and Alzheimer's care facility, laboratory and pathology, health and wellness center, obesity surgery center, obstetrics and gynecology, radiation medicine, radiology, rehabilitation, sleep lab, surgery Cardiovascular care through Providence Heart & Vascular Institute; medical and surgical treatment of diseases and injuries of the bones, joints and spine through Providence Ortho & Neuro Spine Institute; outpatient and general surgery; emergency care; women's services; cardiac and physical rehabilitation.

Michael Biediger 1971 George A. Zara 1938

The Regional Medical Center of Orangeburg and Calhoun Counties 3000 St. Matthews Road Orangeburg, SC 29118-1498 KershawHealth 1315 Roberts St. Camden, SC 29020-7003 Morris Village 610 Faison Drive Columbia, SC 29203 Newberry County Memorial Hospital P.O. Box 497 / 2669 Kinard St. Newberry, SC 29108

803-432-4311 DNR www.kershawhealth.org 803-935-7100 803-935-5511 www.state.sc.us/dmh/morris_village 803-276-7570 803-276-6885 www.newberryhospital.org

217

acute care, long-term care, urgent care, diagnostics, rehabilitation, outpatient services

174

Beds for chemical-dependent adults; evaluation, detoxification and treatment of chemical dependence to a statewide service area; co-occurring disorders

Donnie J. Weeks 1913 George McConnell DNR

102

General medical and surgical care for inpatient, outpatient and emergency room patients; outpatient behavioral health services; wound care; hyperbaric medicine center; outpatient chemotherapy and infusion; radiation therapy

Ronald J. Vigus 1925

HealthSouth Rehabilitation Hospital of Columbia 2935 Colonial Drive Columbia, SC 29203

803-401-1400 DNR www.healthsouthcolumbia.com

96

Physical, occupational and speech therapies

Michael A. Kozar, James Rogers 1989

Information presented was provided upon request from company representatives, and SC Biz News LLC assumes the data is accurate and truthful. Not all hospitals are included, only those that responded to our information inquiry. DNR-Did Not Respond.

B Palmetto Health includes Palmetto Health Richland, Palmetto Health Baptist, Palmetto Health Baptist Easley, Palmetto Heart Health Hospital and Palmetto Health Baptist Parkridge.

C Providence Hospitals includes Providence Hospital, Providence Heart Institute, Providence Hospital Northeast and Providence Orthopaedic & NeuroSpine Institute.

Researched by Clayton Wynne

Employee Benefit Brokers Ranked by No. of Full-Time Agents Company David M. Gilston Insurance Agency 455 St. Andrews Road, Building A, Suite 2 Columbia, SC 29210 Alpine Agency 1023 W. Dekalb St., Suite B Camden, SC 29201 Davis-Garvin Agency Inc. One Fernandina Court Columbia, SC 29212

Phone Fax Web Site 803-772-3122 803-772-3124 www.dgilston.com 803-432-4960 803-432-4961 www.alpineagency.com

No. of Full-Time Agents/ No. of Full-Time Support Staff

Carrier Coverage Provided Locally

Top Local Executive/ Year Founded

60 6

BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, Guardian Life, WellPath, West Coast Life

Faith H. Reynolds 1962

15 25

American General Assurance, Assurant, BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, Colonial Life, Genworth Life, Golden Rule, Kanawha Insurance, United Healthcare, West Coast Life Aetna Life, American General Assurance, Assurant, BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, CIGNA, Colonial Life, Continental Life, Genworth Life, Golden Rule, Guardian Life, Hartford Life, Jefferson Pilot Financial, Pacific Life, Principal Life, United Healthcare, Unum Life, WellPath, West Coast Life StarLine, Starmark, Nippon Life American General Assurance, Bankers Life and Casualty, BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, Genworth Life, Golden Rule, Hartford Life, Principal Life, WellPath, West Coast Life Assurant, BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, CIGNA, Colonial Life, Hartford Life, Jefferson Pilot Financial, Principal Life, Provident Life, United Healthcare, Unum Life, WellPath American Family, American General Assurance, Assurant, BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, CIGNA, Colonial Life, Genworth Life, Golden Rule, Guardian Life, Hartford Life, Jefferson Pilot Financial, Principal Life, United Healthcare, Unum Life, WellPath, West Coast Life Aetna Life, American General Assurance, Assurant, BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C., Carolina Care Plan, Colonial Life, Genworth Life, Golden Rule, Guardian Life, Hartford Life, Jefferson Pilot Financial, Principal Life, Provident Life, United Healthcare, Unum Life, WellPath, West Coast Life

Larry Baker 1997

803-732-0060 803-781-1714 DNR

8 11

GMM Insurance 3685 Leaphart Road, Suite C West Columbia, SC 29169 BB&T Boyle Vaughan Insurance 1710 Gervais St. Columbia, SC 29201

803-739-2345 803-739-2186 www.gmminsurance.com 803-748-0100 803-252-2406 www.insurance.bbt.com

7 2 5 6

Clark & Co. Benefits 2422 Devine St., Suite B Columbia, SC 29250

803-253-6997 803-253-6998 www.clarkebenefits.com

5 4

803-799-8490 803-254-9968 ksbellc.com

5 10

800-968-8143 803-799-3772 www.firstsuneap.com

3 20

Keenan Suggs Bowers Elkins LLC 1320 Main St., Suite 710 Columbia, SC 29201 First Sun EAP Alliance Inc. 2700 Middleburg Drive, Suite 208 Columbia, SC 29204

BlueChoice, BlueChoice Healthplan, BlueCross BlueShield of S.C.

Information presented was provided upon request from company representatives, and SC Biz News LLC assumes the data is accurate.

Not all local employee benefit brokers are listed, only those that responded to our information inquiry.

Total number of employees reflects W2 agents only, excluding independent agents.

DNR - Did Not Respond.

14

Health & Wellness 2010: An employerâ&#x20AC;&#x2122;s guide

Mark Fryer 1981 Marilyn Gray, Shawn Miller 2005 Melissa Shealy 1923 Norman V. Clarke 1998 Robert R. Bowers 1975 John Arnold 1992

Researched by Clayton Wynne

Nationally Recognized Again!

For the second year in a row, we’re the only healthcare provider in South Carolina to make Modern Healthcare’s list of the 100 Best Places to Work in Healthcare.

Plus, we’re the only healthcare organization chosen as one of the top 20 “Best Places to Work” by the South Carolina Chamber of Commerce, the Society for Human Resource Management-SC State Council and the publishers of SC BIZ magazine.

Whether the recognition is local, statewide or national, we believe it all begins with our vision…

To be remembered by each patient as providing the care and compassion we want for our families and ourselves.

Pictured clockwise from top left are just some of the Palmetto Health employees who live our vision: Amanda Oliver, Radiology; Becky Wadsworth, Pain Center; Shanna Wright, Corporate Compliance; Drew Royall, Case Management; Eureka Robertson, Information Technology; Deborah Koochagian, Laboratory; and Curtis Green, Environmental Services.

PalmettoHealth.org

Lists & Resources

Urgent Care Centers

Listed alphabetically

Doctors Care – Beltline 511 Beltline Blvd.

Columbia, SC 29205 Phone: 803-782-4051 Fax: 803-790-6612 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Lexington 247 Columbia Ave. Lexington, SC 29072 Phone: 803-359-5533 Fax: 803-359-0127 Website: www.doctorscare.com Hours: 8 a.m.-10 p.m. Mon.-Fri.; 9 a.m.-7 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Ridgeview 4214 Hardscrabble Road Columbia, SC 29223 Phone: 803-736-8955 Fax: 803-699-8049 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Cayce 977 Knox Abbott Drive Cayce, SC 29033 Phone: 803-794-0476 Fax: 803-791-0971 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Northeast 110 Atrium Way Columbia, SC 29223 Phone: 803-788-1153 Fax: 803-736-3243 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Lexington Medical Center – Batesburg-Leesville 338 E. Columbia Ave. Batesburg-Leesville, SC 29070 Phone: 803-604-0066 Website: www.lexmed.com Hours: 8 a.m.-7 p.m. Mon.-Thurs.; 8 a.m.-5 p.m. Fri.-Sat. Services: Urgent care, family medicine, digital mobile mammography, X-ray and lab facilities

Doctors Care – Columbia East 7653 Garners Ferry Road Columbia, SC 29209 Phone: 803-783-2661 Fax: 803-779-8882 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Seven Oaks 100 Jimmy Love Lane Columbia, SC 29212 Phone: 803-772-5030 Fax: 803-551-5477 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Doctors Care – Forest Acres 4500 Forest Drive, Suite A Columbia, SC 29206 Phone: 803-738-9522 Fax: 803-787-8026 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

16

Doctors Care – West Columbia 3240 Sunset Blvd.

West Columbia, SC 29169 Phone: 803-796-4251 Fax: 803-796-4449 Website: www.doctorscare.com Hours: 8 a.m.-8 p.m. Mon.-Fri.; 9 a.m.-5 p.m. Sat.-Sun. Services: Cough, cold, sore throat, fever, dizziness, shortness of breath, painful sinuses, ear problems, diarrhea, high blood pressure, high cholesterol, arthritis and circulation problems, diabetes management, allergies and rashes, women’s care, urinary conditions, injuries, lacerations, auto accident evaluation, sprains and fractures, removal of skin lesions, abscess treatment, burns, physicals.

Health & Wellness 2010: An employer’s guide

Lexington Medical Center – Chapin 557 Columbia Ave. Chapin, SC 29036 Phone: 803-932-0655 Website: www.lexmed.com Hours: 8 a.m.-7 p.m. Mon.-Fri.; 10 a.m.-6 p.m. Sat.-Sun. Services: Urgent Care, lab facilities, family medicine, OB/GYN services, digital mammography, CT, women’s imaging Lexington Medical Center – Gilbert 4080 Augusta Highway (U.S. Highway 1) Gilbert, SC 29054 Phone: 803-892-1800 Website: www.lexmed.com Hours: 8 a.m.-5 p.m. Mon., Tues., Thurs., Fri.; 8 a.m.-noon Wed. Services: Urgent care, family medicine, X-ray, lab services, digital mobile mammography Lexington Medical Center – Irmo 7035 St. Andrews Road Columbia, SC 29212 Phone: 803-749-0924 Website: www.lexmed.com Hours: 7 a.m.-10 p.m. seven days a week Services: Outpatient surgery, lab, radiology (CT, MRI, fluoroscopy, PET/CT, ultrasound), women’s imaging (full-field digital mammography, bone densitometry), physical therapy Lexington Medical Center – Swansea 935 W. Second St. Swansea, SC 29160 Phone: 803-568-2000 Website: www.lexmed.com Hours: 8 a.m.-7 p.m. Mon.-Thurs.; 8 a.m.-5 p.m. Fri.-Sat.; Noon-5 p.m. Sun. Services: Urgent care, internal medicine, OB/GYN services, X-ray, lab services, CT services, digital mobile mammography

MinuteClinic – Columbia-Clemson Road Inside CVS/pharmacy No. 2250 121 Clemson Road Columbia, SC 29229 Phone: 866-389-2727 Website: www.minuteclinic.com Hours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun. Services: Diagnosis and treatment of common illnesses MinuteClinic – Columbia-Hardscrabble Road Inside CVS/pharmacy No. 2269 4310 Hardscrabble Road Columbia, SC 29229 Phone: 866-389-2727 Website: www.minuteclinic.com Hours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun. Services: Diagnosis and treatment of common illnesses MinuteClinic – Irmo Inside CVS/pharmacy No. 5549 1008 Lake Murray Blvd.

Irmo, SC 29063 Phone: 866-389-2727 Website: www.minuteclinic.com Hours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun. Services: Diagnosis and treatment of common illnesses MinuteClinic – Lexington-Lake Drive North Inside CVS/pharmacy No. 7334 5608 Sunset Blvd.

Lexington, SC 29072 Phone: 866-389-2727 Website: www.minuteclinic.com Hours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun. Services: Diagnosis and treatment of common illnesses MinuteClinic – Ballentine Inside CVS/pharmacy No. 7012 1330 Dutch Fork Road Ballentine, SC 29063 Phone: 866-389-2727 Website: www.minuteclinic.com Hours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun. Services: Diagnosis and treatment of common illnesses MinuteClinic – LexingtonSouth Lake Drive Inside CVS/pharmacy No. 5471 1071 S. Lake Drive Lexington, SC 29073 Phone: 866-389-2727 Website: www.minuteclinic.com Hours: 8:30 a.m.-7:30 p.m. Mon.-Fri.; 9 a.m.-5:30 p.m. Sat.; 10 a.m.-5:30 p.m. Sun. Services: Diagnosis and treatment of common illnesses