FORUM West Sept. 6-7, Las Vegas Formerly CDHC Solutions
ISSUE || July/August 2012
THE DECISION IHC League of Leaders Weighs in on Supreme Court Ruling Employers Accelerating
Toward Consumer-driven Health, Increasing Health Ownership Is This Hospital Making Me Sick?
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41 Is This Hospital Making Me Sick? One out of every six of your employees admitted to a hospital will suffer an adverse event. Sometimes this event will kill them—more than 180,000 Americans died from errors, injuries and infections in hospitals last year. If it doesn’t kill, it may injure them enough to keep them out of work for weeks or months as the medical claims pile up. Ten people will die from hospital harm in the time it takes you to read this article. This is an enormous problem in our country; costly and wasteful of human lives and human suffering, as well as dollars and cents. On behalf of our employer members, The Leapfrog Group has been working to address patient safety since our founding in 2000. In June 2012, the Hospital Safety Score was launched. By Leah Binder
43 Employers Accelerating Toward Consumer-driven Health, Increasing Health Ownership
Since their introduction more than 10 years ago, many predictions for the growth of consumer-driven health plans (CDHP) have come and gone. Employers of all sizes and industries across the country now view CDHPs as proven solutions that save them and their employees money, and improve health decision-making. Many employers are changing their health benefit plans based on that belief. Several health plans have seen their CDHP enrollment jump by 25 percent, to 4.7 million individuals in 2012. CDHPs are becoming the central component of many employers’ health benefits strategy, and more than half of one health plan’s largest clients only offer CDHPs. By Craig Hankins
COMING UP NEXT: Corporate wellness programs are fairly common among U.S. companies, but being recognized nationally four years in a row by the National Business Group on Health means American Express is doing something different. American Express will be featured in our upcoming issue as well as FitLinxx, which was facing a 60 percent price increase in a traditional health care plan. FitLinxx decided to move to a consumer-driven health plan (CDHP) with a health savings account (HSA). While that alone would have benefited the company, it was by combining an incentive-based health and wellness employee program with the CDHP that ultimately made the change a win-win for FitLinxx and its employees. We also will highlight IHC FORUM West, held in Las Vegas on Sept. 6-7. ON THE COVER: By a 5-4 decision, the United States Supreme Court ruled the controversial Patient Protection and Affordable Care Act was constitutional. The stately Supreme Court building had a circus-like vibe in late June, as critics of the law and those supporting it squared off. The historic decision also grabbed the attention of the media, Washington D.C. commuters, belly dancers, and other motley individuals, who waited outside to hear news on what the nine court justices would decide about the future of health care in the United States. www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
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INSIDE 8
Editor and Publisher’s Letter
CDHC Solutions Transforms Into HealthCare Consumerism Solutions
33-37 IHC FORUM West t t t t
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38 People on the Move 38-39 Briefs/Innovations
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46 Who’s Who Profiles 50 Resource Guide/Ad Index
HealthCare Consumerism Radio (online only) Roundtable Discussion on ‘The Decision’
13 HealthCare Consumerism Radio Congressman Price Visits HealthCare Consumerism Radio
17 Prospective for Regulatory & Compliance Try Principled Solutions to Health Care Fix
THE DECISION A special discussion focusing on the impact of the Supreme Court Decision concerning the Affordable Care Act 21 Prospective for Regulatory & Compliance Universal Coverage Without a Mandate By John C. Goodman, President, National Center for Policy Analysis
23 Prospective for Regulatory & Compliance In Wake of Supreme Court Decision, ACA Creates New Opportunities for Account-based Plans By John Hickman, Partner, Alston & Bird, LLP
24 Prospective Regarding Account-based Plans ACA Creates Potential Fork in Road for Future of CDHC By Roy Ramthun, President, HSA Consulting Services, LLC
25 Prospective Regarding Account-based Plans Taxing Your Health: The Supremes and Your HSA By Kevin McKechnie, Executive Director, American Bankers Association’s HSA Council
26 Employer Prospective Is ‘Defined Contribution’ the Future of Employment-based Health Coverage By Paul Fronstin, Ph.D., Employee Benefit Research Institute (EBRI)
By U.S. Rep. Tom Price, M.D., (R-Ga.)
27 Employer Prospective If You are Prosperous, PPACA is Not for You
18 Prospective for Regulatory & Compliance
By Sam Shallenberger, CFO, RJ Young
The Affordable Care Act has Made U.S. Health Care Stronger By Kathleen Sebelius, Secretary, Department of Health and Human Services
19 Prospective for Regulatory & Compliance Small Businesses Big Winners With Constitutionality of ACA By Karen Minyard, Ph.D., Director, Georgia Health Policy Center, Georgia State University
28 Health Plan Prospective Now is the Time to Focus on Health Care Affordability By Karen Ignagni, President, CEO, American Health Insurance Plans (AHIP)
29 Broker/Consultant Prospective Communication Important for Employers to Remain Compliant With Law By Barb Vasko, Vice President, Aon Hewitt
20 Prospective for Regulatory & Compliance ObamaCare Taxes Versus Penalties and the Games Politicians Play By Ron Bachman, Chairman IHC Advisory Board
21 Prospective for Regulatory & Compliance The Future of Consumerism in Health Reform By Grace-Marie Turner, President, Galen Institute
30 Medical Travel Prospective Health Care Reform Could Make Medical Travel More Attractive By Laura Carabello, Editor and Publisher, Medical Travel Today
31 Medical Prospective PPACA has Enhanced the Fear of the Bureaucrat in Medicine Dr. Brian Hill, Urology Specialists of Atlanta, LLC
4
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WHAT’S HAPPENING AT THE THE CEO’S DESK members speak out The industry is currently at a tipping point where we’re seeing the rapid adoption of health care consumerism across the marketplace regardless of health care law developments. Within The Institute for HealthCare Consumerism you will find yourself at the forefront of the latest updates regarding health care law and how it may or may not impact your business and the industry as a whole. All of this is happening within our 24-7, collaborative online environment where all facets of this industry are currently learning, connecting and sharing. If you’re reading this magazine and have not yet signed up for your free membership to The Institute for HealthCare Consumerism online, you’re missing out on being part of the one place that aggregates all stakeholders within the health and benefits management industry and allows you to connect with your peers, brokers, advisors, consultants and solution providers with a quick log-in. Through articles, white papers, surveys, member contributed blog posts, forum discussions, video content and HealthCare Consumerism Radio, you’ll immediately benefit from a collaborative environment that speaks to health care consumerism related growth, best practices and pain points.
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Sign Up Today for your FREE membership to The Institute for HealthCare Consumerism at: theihcc.com/ membership Sincerely, Doug Field Founder & CEO, The Institute for HealthCare Consumerism Publisher, HealthCare Consumerism Solutions Magazine
spotlight Many organizations face challenges managing the careful balance between employees’ paychecks and the organization’s bottom line. The leadership team at Goodwill of North Central Wisconsin has been tackling this problem over the past several years and has arrived at a unique
allow for individual choice so our team members and their families
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
and health-enhancing resources available to and collaborate with our team members to help
Kristine Hackbarth-Horn Chief Operating Officer of People at Goodwill of North Central Wisconsin
care premiums and they have had the profound good fortune to have had a 0.065 percent increase in the current year and a 0.000 percent increase in the coming year. This is truly phenomenal in today’s health care environment. They also found that some of their team mem-
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online exclusives Six Free Resources For Brokers to Drill into
health are all critical reasons for employers to encourage workers to maintain good oral health and get to the dentist. Consumer need and the needs of their employees‌
Survey Finds Employers Plan to Grow On-site Health Centers Watson has conducted a survey of employers with on-site health
centers are a growing trend as employers look to cut down on health care costs and keep employees healthy‌
How Will Health Care Reform Affect Americans Traveling for Care? No sooner did word of the Supreme Court’s historic ruling on the Affordable Care Act come down the pike last month than industry colleagues and journalists contacted me to learn affect U.S.-outbound medical tourism‌
Wellness Programs Finally Catching on with Companies with how his lifestyle impacted his overall health and wellness. After taking the health risk assessment for the Commonwealth of Kentucky’s new wellness plan he came out with
DISCUSSIONS Lessons from MinuteClinic After entering the clinic a thought occurred to me: Why do we need doctors? Then a second thought: Why do we need nurses? Ah, but I’m getting ahead of myself. About a decade before the Obama administration started touting electronic medical records and evidence-based protocols there was MinuteClinic. The entity came into existence primarily to cater to patients paying out of pocket. There was no need for a law requiring price transparency. In every market where the dominant buyers are patients spending their own money, prices are always transparent. MinuteClinic posts its prices on a computer screen and on readily available pamphlets. Clearly, the organization is competing on price‌
A Consumer’s Guide to Health Care Reform The health care reform law is the most far-reaching health legislation since the creation of the Medicare and Medicaid programs. Here’s an FAQ about some of the law’s provisions that are already up and running as well as major features of what’s to come. I don’t have health insurance. Under the law, will I have to buy it and what happens if I don’t? Right now, you are not required to have health insurance. But beginning in 2014, most people will have to have it or pay a fine. For individuals, the penalty would start at $95 a year, or up to 1 percent of income, whichever is greater, and rise to $695, or 2.5 percent of income, by 2016‌
events
that followed the HumanaVitality test set him on a path of proper
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.BZ t $PCC (BMMFSJB $FOUSF t "UMBOUB www.theihccforum.com and overall he’s lost more than 20 pounds‌
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LETTER
EDITOR & PUBLISHER www.theihcc.com N
/
Doug Field @
Brent Macy
In keeping with the momentum generated by this health care consumerism megatrend, we are honored to announce our publication, CDHC Solutions has transformed and, as you notice on the cover, has become HealthCare Consumerism Solutions. The new brand marries The Institute for HealthCare Consumerism, which we created in 2011, and the established brand of CDHC Solutions. In its six years, CDHC Solutions became the collective voice for innovative health and benefit management. It had a national brand presence and became recognized as the mouthpiece for the health care consumerism movement. It also was a cog in the development of The Institute for HealthCare Consumerism. As we move toward the one-year anniversary of the creation of The Institute, on Sept. 15, we felt the timing was perfect. So, in conjunction with our IHC FORUM West event, we announce the transformation of CDHC Solutions to HealthCare Consumerism Solutions. It mirrors the health care consumerism movement, it is so much more than a consumerdirected health plan (CDHP). Our publication focuses a great deal more than just account-based health plans. The movement is about transforming employers to provide their employees with the proper decision support tools to be better consumers of health care. It’s about providing a wellness program; offering incentives and education to enhance a higher engagement rate and providing a supplemental health package to enhance an existing health plan. These plans could be a health savings account, married with a high-deductible health plan, a flexible spending account, a health reimbursement arrangement, or a traditional HMO or PPO. This magazine also will be distributed at our FORUM West held at the Red Rock Casino Resort and Spa in Las Vegas. If you have not registered for IHC FORUM West, there is still plenty of time to take advantage of great savings and attend the only conference series dedicated to innovative health and benefit management and the latest updates on health care reform. Visit our FORUM website www.theihccforum.com to register. Come LEARN, CONNECT and SHARE in the desert. TIME TO HONOR A SUPERSTAR: Summer break is about to end. School is in session, and the football season is on the horizon. That means it is time to nominate that unsung hero in your office or a member of your peers or a client. Nominations are open for our seventh annual HealthCare Consumerism Superstars. Do you know an unsung hero who is making a difference in the arena of health care consumerism? Nominate them to be a HealthCare Consumerism Superstar. We are looking for professionals in health care and Employers—C-level, HR and Benefits, Corporate Wellness; Brokers; Consultants; TPA’s; Health Plans and Solution Providers, who have excelled at implementing solutions to complex health care benefits issues. Superstars will be published December 2012 in our annual HealthCare Consumerism Superstars issue and will be accessible to more than 70,000 readers. They also will be recognized at our IHC FORUM East in Atlanta on May 9-10, 2013 So don’t delay and visit www.theihcc.com/en/membership/nominate_a_superstar/ and honor that unsung hero in your office. Nominations close Oct. 1. While visiting The Institute website (www.theihcc.com) to nominate your superstar, be sure to register and become a member and get ready to LEARN CONNECT and SHARE with fellow members of The Institute, our League of Leaders as well as our Corporate Members.
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Karen Raudabaugh CDHC Solutions ™ Copyright © CDHC Solutions ™ published
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The magazine is not responsible for unsolicited manuscripts or photographs. Send letters to the editor and editorial inquiries to the above address or to
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T ECH N O L O G Y S E RVI C ES
THE DECISION
IHC League of Leaders Weighs in on
Supreme Court’s Ruling
I
Affordable Care Act was constitutional.
Solutions provides unprecedented coverage from the prospective of all stakeholders in health care consumerism—
costs. Consumerism puts the personal back in personal health care by allowing employees to choose what is best for them and their families. This makes individuals accountable for their own health care.
thought leaders and physicians. opposing the ruling and eager to see the law repealed and replaced. commentary from nationally respected thought leaders in the We are honored to have Secretary of Health and Human means for the future of health care in the United States.
digital version of this magazine features the transcript of a nobody is offering real solutions.
Visit www.theihcc.com to read the online version of Consumerism Solutions. are there. And the principles are to increase accessibility affordability for health care and to provide the highest level of their doctor and the kind of coverage and where they are treated
and leading solution providers in the health care consumerism arena.
provide the proper educational and decision support tools to their employee population in order to aid in making better choices about their health care spend.
historic occasion.
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012 11
IHC League of Leaders Weighs in on
THE DECISION
Congressman Price Visits HealthCare Consumerism Radio effect of the law and from your seat what can be done to change it and to replace it.
Doug Field. Good morning everyone. This is
Tom Price. opportunity to sit in the courtroom when the ruling was brought down. And it was just a remarkable rollercoaster of emotions. They take your communications equipment away from you when you sit in the courtroom. So I had no Blackberry or phone that I could let folks know what was going on.
Ron Bachman. Good morning. It is a little bit wet out there. Doug Field. We have an exciting program here today. We have a lot packed in to this next hour. Continuing the discussion about the Supreme Court decision on the law and what’s happened since then.
is that this was just the second time that we voted to repeal the entire thing. We did try to nibble at the sides of it and help make it less onerous with some other pieces of legislation. But that passed in the bipartisan way. The understanding that the Senate won’t take it up. They haven’t done a budget yet and they are not likely to take up this piece of legislation. sign it. But that doesn’t mean that it is not
are representing you and we understand that wonderfully eloquent explanation of why the Commerce Clause could not be used to jus-
The next question is: Where do we go
couldn’t create commerce in order to regulate it. explanation about why the taxing authority under the constitution for congress allows this law to go forward. I was ecstatic and pinching
law is unacceptable and it doesn’t work for patients and it doesn’t work for doctors and it certainly doesn’t work for states or the federal
able to take time away and kind of bring us his perspective directly from The Hill. We here in Georgia joining us today. And Tom has proven to be a superior leader in Congress and a tireless problem solver and kind of the go-to
that don’t involve putting Washington in the insurance challenges and save hundreds three or four different statements that differ-
I think he also brings us a very unique experijob to protect the people from the consequenctive on the law and its impact on health care in America going forward.
you for joining us this morning. Tom Price. is a privilege to be with you and share some
Ron Bachman. And I’m excited because he is my congressman. Doug Field. know you were there when the Supreme Court decision was made. If you could kind of take us
making any comment as to the wisdom of the doesn’t mean it is good policy. And we immediately put in place a plan to vote once again to repeal the law because I don’t think there is anybody that can tell you with a straight face that if this had been discussed two or three years ago as being a tax to the degree that it
have done so. So we thought it was important to bring a full repeal vote once again. There was a lot of discussion about how many times we voted to repeal. The fact of the matter
putting the federal government in charge of the nation’s health care and dictating what people must have and may not have. So that’s what I hope to be talking about for the next four months as we move towards the election. Ron Bachman. 16-17 percent of the economy. The other side
that we’ve moved from the Supreme Court to the court of public opinion and to the election is about the economy and jobs. Could you talk about how this is going to affect jobs? How is it going to affect the economy? It is 16 percent
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
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IHC League of Leaders Weighs in on government control and regulations and bureaucracies how do you see this affecting the economy and jobs? Are there any studies out there that you can share with the listeners on the economic impact of health care? Tom Price. Absolutely. It is a two-prong message. The one is health care. And as a physician I can tell you that it’s just chilling. I believe it will have an adverse affect that it would have on health care quality and innovation and the like.
you are exempt as an employer. So all of the incentives are adverse in the law and that’s that the administration clearly doesn’t apprecihow these perverse incentives or adverse incentives or disincentives for hiring actually have an effect out there. They seem to believe that it is a negligible effect. But you and I both know that it is huge and that it cannot be helpful to growing and expanding our economy.
I believe. That’s one of the reasons why we will be working just as diligently as we can over the coming four months and over the coming two years prior to its full enactment to make certain that it is repealed and we’ve put in place those positive reforms that incentivize and reward the good kinds of activities that we ought to be rewarding in people. Ron Bachman. passed was promoted as being under one tril-
But the other that you appropriately point out is the affect on the economy and 16-17 percent of the economy only growing given the demo-
Doug Field. Could you also comment on the idea that we are now adding a new entitle program to
unique accounting rules in Washington by the
population and the increasing activity at both the federal and the state level in the area of
health care? A lot of government support programs out there that some are using the terms
nizes costs during a 10-year cycle. We now have moved beyond and as each new year unfolds and the real costs start to come out over a full the bill is not going to be implemented until
are the preclusions on increasing hiring over the number of 50 for small employers. And if they get over 50 then they have remarkably increased obligations to the federal government to provide health coverage. There are some chamber groups that have estimated that it would be between one and two million jobs lost.
to remove yourself from the marketplace…we had more people going on disability than we had actually getting jobs last month that you’ll
by the time we get to full implementation the trillion. This idea that the costs are going up under have always been there. We just under these accounting rules haven’t seen them. But now
All I know is what I hear from small businesses are marginal tax rate is 60 percent because of the loss of government support and subsidies. which employ large numbers of individuals are
How do we get this message out that we are
consequences of this law have even yet to begin to be felt. And that’s why I believe that the American people will increase their vocality about their opposition to it.
Tom Price. It is a dependency that is growing and growing in our culture right now. It really is perverse and there are moral effects to a government that incentivizes people to do less
Ron Bachman. I also understand that a lot of
in their own lives because it is easier to do nothing as opposed to do something.
more part-time hiring. They are hiring more people on 1099 forms where they are sort of
And the consequences are huge. We’ve seen this play out in other countries. We are not writing a new book. This is just another chapter of a
they are full-time employees they might end up
Tom Price.
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
ment and whose people then become dependent upon that government and consequently lose their vitality and their freedom to realize
have any estimates as to how much this might actually save us in terms of repealing the bill now? Because now that we’ve gone through there a savings that is generated that we can be promoting? I haven’t heard any politician or anybody talking about the savings in the
Tom Price.
common sense and logic tend to go out the window. And I don’t say that proudly.
ing or determining over the next two weeks what the likely projections for the cost will be. Because of the Supreme Court ruling there will
THE DECISION they tend to be of the variety that I included in ballpark that people are talking about now. If you did away with the bill that wouldn’t be a $2.6 trillion in savings and why that is the case
begs the question: Why don’t we reform the privilege of leading in this town. There are a lot of us who are adamant about making certain that we reform the 74 Budget Act because the oned by them now and their rules that give us really fanciful numbers. We ought to save money if and when we are able to succeed… Ron Bachman. Even if it is only a trillion dollars in savings. Tom Price. that’s right. That was the funny thing when the bill was passed the president
might get some bipartisan support for moving forward on a replace when this Congress the other side at all. And we refuse to make the same mistake that the other side made and that is to fashion this bill behind closed doors and then ram it down the throats of Congress and the American people.
deliberative bipartisan manner and come up with what the people’s representatives believe to be the most appropriate health system that is patient centered. That means patients and families and doctors making medical decisions and that can only happen in a bipartisan way and we just haven’t had that kind of buy in. Ron Bachman. kind of political environment when you want to get rid of something you send it off to a
solving the portability issues by allowing people to own their health coverage regardless of who’s paying for it. The pre-existing illnesses and injuries item is incredibly important. It really only affects those in the individual and small group market. And you can solve that relatively simply by allowing those folks to pool together so that you get the purchasing power of millions and then any one individual’s adverse health status doesn’t significantly drive up the premium for anybody else.
as well that we haven’t put them in to a single
money will dictate that solution at some point. I am hopeful that it is sooner rather later. Ron Bachman. The area you just brought up on
the response actually more like we’ll do it later. But it has been a year and a half since
as if that wasn’t much money. Ron Bachman. limited time…We were discussing before we even got on air here in Atlanta that somesome pointed questions…Everybody is talking
and that said repeal and replace and that a replace would be put together by a committee and it has been a year and a half and I haven’t
the same program. But we take the charge as incoming but we don’t throw it back.
replacement that could include things like…tax equalization…I know you’ve mentioned these
Tom Price. very much because…I say that and I know But what doesn’t happen is that it doesn’t get
the forefront of the replacement with your modernizing Medicare. Those are pretty quick bullet points because the press is really all
to slip it in to one of our interviews with them before they can hit the mute button then we are
existing condition. How are you going to deal together and really put out a clear message on The real answer is that the American people basic principles with a little bit more detail? I and you’ve done that too.
smarter than the other side gives them credit for
American people about the replace part. Tom Price. The solutions are out there and I would suggest that…it is not like anyone is passed was put together by Americans for have not put together such a bill.
is the premium support model moving from
Tom Price. It is a great question. It is frustrating that the replaced portion… We don’t seem to be able to coalesce around a single message.
and saving and securing and strengthening Medicare. The proposal we have for the private
and I’m hopeful that it is sooner rather than å later.
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IHC League of Leaders Weighs in on
THE DECISION
Try Principled Solutions to Health Care Fix
O
to own their health coverage regardless of who buys it and have access to robust pooling opportunities
care law. The Court’s decision leaves in place dangerous policies that will force American
overzealous Washington.
who have always fought for patient-centered health care solutions remain determined to repeal this disastrous law so that we may restore personal control over health care decisions.
you’ve paid for even if you change or lose your job and you are not subject to being priced out of the market if you have a bad injury or illness. What of the hundreds of billions of dollars that are wasted on the practice of defensive medicine each year? While
sense to ignore wasteful spending in health care brought resources are better spent on improving the quality of care
sent a full repeal of the president’s health care law to the Senate. We seek their commitment to working together to improve our health care system.
developed and promoted positive solutions that empower individuals and families to choose the health coverage they
care choices.
In the end, the Supreme Court’s decision leaves the future of health care in America in jeopardy.
We have done so because it is obvious the status quo in America’s health care system is broken and in need of of health care in America in jeopardy. We are left with patient relationship and keep unelected bureaucrats from denying access to care. It may be hard to believe for those committed to a
and power of the federal government at the expense of personal health care decisions. To relieve the nation of such a threat remains the goal of
putting Washington in control.
to protect and preserve patient-centered health care. This is a battle best fought with principled solutions aimed at expanding access to affordable health care choices. We can achieve such goals while addressing the challenges of
to be able to afford the health coverage they want for it’s a better solution based upon American principles!
the needs of Americans no matter their economic situation?
portability and pre-existing conditions by allowing everyone
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
17
IHC League of Leaders Weighs in on
The Affordable Care Act has made U.S. Health Care System Stronger
T
coverage and often seeing their insurance bills skyrocket if a single employee got sick. The result was that the number of small businesses in the United States offering coverage to employees was falling rapidly—from nearly 70 percent in 2000 to less than 60 percent of employers by 2009— leaving millions of working families without coverage.
he Supreme Court decision upholding the Affordable Care Act was a turning point in the health care
battles and move forward with implementing and improving a law that is already lowering health care costs and providing more security for millions of American another repeal vote.
setting the record straight about some false claims that have recently resurfaced.
there before. Here’s a look back at some pivots the presidential contenders have made when it comes to health care policy.
are saving hundreds of thousands of small companies thousands of dollars each on their insurance costs. And independent experts such as predict the number of employers offering coverage will rise in 2014—just as it did in Massachusetts after health reform was passed—when small-business owners have the choice of shopping for health coverage in new competitive marketplaces. A third false attack recycled in recent weeks is the Affordable Care
Americans’ health care costs. The facts tell a different story. preventive care as well as discounts on brand-name medications those increases have dropped to less than 4 percent per year Americans more than $220 billion. And that trend is expected to
more than 5 million people with Medicare about $600 each. Medicare Advantage premiums have fallen two years running. New crackdowns on fraud and abuse returned a record $5.4 billion to Medicare in 2010 and 2011. And the health care law has eight additional years to the projected solvency of the Medicare trust fund.
more than doubled Those calling for repeal have yet to propose credible ideas for family premiums still rose—but at a rate 25 percent lower. That genmium increases independent experts Mercer National Business Group on Health project will continue. And the law will provide even more relief in the
who [voted] to repeal these Medicare savings voted to keep them in their budget in March.
the facts in this case are clear: Since the Affordable Care Act was middle-class Americans—a tax break that repeal would eliminate. Another falsehood repeated by opponents of the law is it puts a footing. opposite is true. The Washington
Small-business owners were struggling in the health insurance percent more than their large competitors annually for health
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
Kathleen Sebelius
THE DECISION Small Businesses Big Winners With Constitutionality of ACA
T
he link between employment and health insurance has been part of the U.S. health
there are potential penalties for not offering coverage if any worker obtains a tax subsidy through the individual exchange.
are able to offer coverage with stable premiums individuals who maintain coverage but need little care with individuals who have high risk of needing care.
to automatically enroll all new workers in employee-only coverage in the lowest cost plan that the employer offers.
Small employers are less able to pool risk due to small Can this help job growth for small employers? provide coverage to their employee can vary greatly year Small employers might be able to get a more competitive the small group market without an Exchange. Small employers may be able to compete for the better workers give small businesses the same coverage opportunities as
small businesses to purchase coverage.
bring a level of stability to the insurance coverage costs for small businesses. In addition to increasing the risk pool assistance to small businesses through tax credits.
includes health insurance.
In addition to increasing the risk pool and stabilizing costs, the Affordable Care Act provides assistance to small businesses through tax credits. The law does not obligate employers with fewer than
reduce costs so that offering coverage is more affordable. Employers will have to weigh opportunities and choices in 2010. workers. employees through the Small Business Health
no penalties for not offering insurance coverage to employees.
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
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IHC League of Leaders Weighs in on
ObamaCare Taxes versus Penalties and The Games Politicians Play
O
costs are not disclosed until time passes and the added years are made a part of a new 10-year
care about the difference between taxes
lied that the health reform costs were not taxes.
$940 million cost estimate was made in 2010 for the period 2010-2019. The public was told health reform
costs will be closer to $2.5 trillion. game.
American’s can now make their choice with an honest discussion of knowing the Act’s taxes and future cost estimates.
truth is those costs have always been there. The true costs are becoming part of each new 10-year calculation. The
of universal coverage matter most. The Supreme Court decision has provided a new opportunity for the general public to become aware of the
over a 10-year period. What happens after 10 years doesn’t
If you have a 10-year contract to lease a car for $500
your 10 years of payments for that contract were delayed by
four years of the contract are initially ignored as outside their calculation period.
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
from the Supreme Court to the court of public opinion and the November election. American’s can now make their choice with an honest discussion of knowing the Act’s taxes and future cost estimates. It is time politicians and
THE DECISION Universal Coverage Without a Mandate
T
he Supreme Court ruling on the
Americans will be required to purchase health insurance or pay a penalty. While that penalty will not send individuals to jail
The Future of Consumerism in Health Reform
T
he Supreme Court’s tortured ruling on the health overhaul law means that uncertainty over the unpopular legislation will continue at least until the November elections when the voters will public opinion.
every reason to believe the law would be in serious jeopardy. people will undoubtedly forgo health coverage hoping they will coverage in the event they become ill and need costly care. The subsidies and accompanying mandates will cause millions of employees to lose their employer plans and potential jobs.
implemented as enacted and assess what it means for our health sector in general and health care consumerism in particular. A primary concern: The rules in the health overhaul law will plans to survive. It is less likely insurance companies will offer
restructuring of American industry. The Supreme Court may have declined to strike down the
percent of premium dollars on medical expenses every year.
liberates patients and doctors and encourages innovation and creativity along with real prices and a real marketplace.
medical expenses. Health care costs paid by individuals below the
it with universal health care coverage without any mandates. We don’t need the mandate if we structure health care reform
The disincentive built into the law for HSAs belies the fact that
the individual mandate but supported universal coverage. new census versal coverage and offer every American a refundable tax credit that is the same amount regardless of where the insurance is marketplace.
making it the fastest-growing and most popular health coverage arrangement in the country. But there is a deep hostility embedded in the law toward con-
the so-called safety-net programs so that there is an adequate
economy under the centralized control of Washington bureaucra-
ing consumers to highly regulated health plans also should be repealed in favor of allowing consumer choice in the marketplace.
micromanage virtually every spending and medical decision.
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
21
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solutions to complex issues. Superstars will be published
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Nominate a Superstar Today! ■
John J. Robbins Sr., Memorial CEO Leadership Award: To an outstanding leader of any size organization who is an exceptional
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Most Effective Plan Implementation Award:
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program and exceeded goals or reaped unanticipated awards. Most Innovative Employee Education/Communication Award: their employees that exceeded plan participation.
Most Innovative Employee Empowerment Award: To an
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program. Most Effective Population Health & Wellness Award: To an employer who uses the most innovative method to reduce absenteeism and chronic disease costs to improve overall employee health. Public Policy Leadership Award: An individual who encourages health care consumerism in public policy through legislation. Most Effective Solution Provider Award: To a solution provider
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Most Innovative Partner-Consultant Award; To a consultant
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Most Innovative Broker Award: ent’s needs and provided the most effective solution for the employer.
NOMINATION CATEGORIES:
For details, please visit www.theihcc.com. Nominations close October 1, 2012. E-mail your Superstar nomination to nominations@fieldmedia.com or nominate online.
IHC League of Leaders Weighs in on
THE DECISION
In Wake of Supreme Court Decision, ACA Creates New Opportunities, Obligations for Account-based Plans
W
hile the rationale for the Supreme Court’s 5-4 decision came as a surprise to almost
the somewhat restrictive high-deductible health
and administrators have been making contingency
As the reality of an ACA-laden health care delivery
based plan may play. It certainly will be a welcome
efforts to comply with the ACA’s health plan mandates. costs.
being squeezed between an employer coverage requirement
implementation for open enrollments commencing
the cost of ever increasing health coverage onto employees
more heavily on two vehicles to better promote health care
that allowed a deduction for qualifying retiree Supreme Court decision should now clear the way for the subsidy based on those expenses ends. salary reduction funded FSAs. Allowing unused FSA funds to carryover to future years will provide a powerful new tool enabling employees to budget
notices to employees regarding the existence of the exchange and the criteria for enrollment. No guidance yet as to what these notices must include.
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
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IHC League of Leaders Weighs in on
ACA Creates Potential Fork in Road for Future of CDHC
T
he recent ruling by the Supreme Court
in the road for the future of consumer-driven health guidance proposes to devalue the typical employer whether a plan provides the minimum actuarial self-funded employer-sponsored plans where consumerminimum 60 percent standard. employees to improve their health. Health savings accounts American Academy of Actuaries said: already play a large role with more than half of the market where these plans are currently found.
employers in this space are self-funded and largely exempt from many of the requirements of the ACA. These are employers who are no doubt keeping an eye toward the future
I believe companies have few other options as effective as consumer-driven health plans in trying to keep their costs below the thresholds where the excise tax will affect them
There also are a few speed bumps along the way that must
the state insurance exchanges for individuals and small business groups. The uncertainty is much greater here because of the less predictable outcome of the exchanges and the products available in them. The new minimum medical
challenging because the regulations do not currently take into employers who have been offering consumer-driven plans for they will likely see their costs go up and will have to raise premiums. to slow cost growth while improving Americans’ health by Another ACA provision requires employer-based health plans system. value of at least 60 percent. This means the plan must be
remaining 40 percent.
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
THE DECISION Taxing Your Health: The Supremes and Your HSA
F
no relief from the two regulations most injurious to
the 16th Amendment to the Constitution
health insurance plan integral to them. The
even consider the issue. Virginia did consider the taxes in 1910 just a year after the amendment was proposed.
the most: individuals and small businesses. Neither states’ legislature thought the idea of income taxes The issue here is simple: traditionally constructed plans prohibition against seizure which provides security to every interest in a savings accounts but much higher—at more than 7 percent from last year. Both states were part of the 26-state coalition that overturned. Neither made this request based upon their
money saved in premium costs to fund your account means
plans. an interpretation of the commerce clause holding that the government cannot compel individuals to buy insurance just so Congress can regulate it. calculations. What does that mean? concurred in this interpretation.
It means HHS treats the same premium dollars differently
Congress’ taxing authority. Which is to say that should the government decide to protect its investment in General
much anyone can do about it.
maintenance that comes with owning a car. It would never occur to us to pay an insurance company a premium for
To appreciate how large a problem this poses to the for failing to buy insurance is just a fraction of the cost of
Such perverse incentives for non-compliance will cripple the dynamics of the exchanges. Why participate in health insurance if the tax penalty for not doing so is so low?
spend wisely and that means fewer claims for an insurer to adjudicate and thus lower costs overall
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
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IHC League of Leaders Weighs in on
Is ‘Defined Contribution’ the Future of Employment-based Health Coverage?
M
could be the vehicle through which workers would like to continue providing
decision by the Supreme Court of the United
the employer may itself seek to make coverage arrangements through third-party private exchanges.
and uncertainty related to the future of health
Such a system may or may not produce short-
causing many employers to start to rethink their role as a provider of health coverage in the workplace.
but it could provide long-term savings if employer contributions do not rise as fast as premiums would
continue to see cost-shifting to workers and the introduction of and experimentation with carrots and sticks in order to change the health behaviors of workers and their dependents.
While there is no one way in
they would simply provide the funding mechanism for workers to purchase health coverage through a party separate from the employer. Employers have shown interest in this concept in the past through position papers
presumably it would work in a way in which employers are able to better
as recently as 2007.
toward health coverage.
crossroads: try to continue with the current employment-
After three-plus years of contentious debate and the challenges associated with understanding and attempting
has essentially lived with since World War II. It is unlikely employers will simply take the fork when they come to it in the road. work. Employers have been interested in the concept of coverage to workers. While there is no one way in which to
their contribution toward health coverage. Under that
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
THE DECISION If You are Prosperous, PPACA is not for You the end of 2012. These aspects of the act will impose additional burdens on shareholders and higher-income employees. transfer from the more prosperous to the transfer mechanism. employee annual penalty to employers who do not provide approved levels of health insurance. eventually all businesses will experience higher cost for a given level of medical care.
affordability programs that will temporarily lower their
As the state exchanges grow and eventually develop large exemptions will be prime targets for reduction in a call to
the total cost of care per covered member will increase.
available through the 25 and 50 employee exemption
penalty to increase to match the market cost of such coverage.
As the costs of the act grow, the increased general tax burden on employees will cause a demand for wage increases to maintain a standard of living status quo, while employers will make such increases less likely. worse for employees. The incentive to replace several low-
higher. burden on employees will cause a demand for wage
will make such increases less likely. This will increase compensation tension between employee and employer.
legislative intent.
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
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IHC League of Leaders Weighs in on
Now is the Time to Focus on Health Care Affordability
N
ow that the Supreme Court has provided legal certainty on the recent health care
to affordability. While the law expands coverage
consumers and employers. Health care affordability is an issue that touches every part of
the most affordable coverage options for consumers and employers in their states. By limiting how much premiums can vary based on a coverage for older individuals. This increases the likelihood
retirees trying to stretch their budgets. and wait to purchase health insurance until after they get sick
competitive disadvantage in a global economy.
coverage expansion begins to take effect in 2014.
effect in 2014 that will make health care coverage more expensive.
also must address the soaring cost of medical care that continues to increase at an unsustainable rate. There needs to be a much greater focus on the main drivers of medical
insurance that will add to the cost of coverage for people volume rather than value. Health plans are doing their part by partnering with hospitals and doctors all across the country to change payment models
increase premiums in the insured market on average by 1.9 clinicians is critical to the success of these initiatives. Health plans also have pioneered innovative programs and services to coordinate care for patients with multiple should be repealed.
and promote prevention and wellness. These initiatives have
lower health care costs. of people will be forced to purchase health insurance that is more comprehensive—and more expensive—than they currently have.
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
THE DECISION Communication Important for Employers to Remain Compliant with Law
A
Court upheld the president’s signature
72 percent of companies are very or somewhat interested in exploring whether a corporate exchange model can be an effective long-term solution for managing the cost of an employee health plan.
scope of powers. continue to look closely at their risk exposure individual mandate that requires most Americans to have absence risk and health care cost risk. the provision as a tax. Employers now can no longer ignore compliance and need to move ahead with their overall health care strategy.
including the implementation of summaries preventive care requirements for women for nongrandfathered plans and managing the individual mandate's necessary reporting requirements.
Employers need to ensure their employees
Visit www.aon.com/healthcarereform for Aon Hewitt’s insights on the Supreme Court’s ruling.
A recent Aon Hewitt survey showed that 72 percent of companies are very or somewhat interested in exploring whether a corporate exchange model can be an effective long-term solution for managing the cost of an employee health plan.
resources they need to make decisions accordingly.
employers are moving away from sponsoring retiree health care programs as they utilize both government and private exchanges. With respect
care exchanges to combat continued rising health care costs. A recent Aon Hewitt survey showed that
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
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IHC League of Leaders Weighs in on
Health Care Reform Could Make Medical Travel More Attractive
W
hile the enactment of health care reform medical travel will become quite attractive.
availability of coverage and access to care through the health insurance exchanges might cause a temporary slow down in the number of Americans who will opt to undergo serious surgeries outside
While the ‘medical tourism industry’ has never
of the legislation is largely academic. As an
the same group as today. The impact is reduced to one of timing of some of the
is not clear what happens to people and companies who do not pay the penalty/tax—and whether there will actually be a penalty in place.
opportunity to develop products and partnerships with
will probably become more cost-competitive and more interested in the international cash-paying patient over the
The biggest question for medical travel is the role of state exchanges and/or federal exchanges under the current probably step up cost-shifting to their workforce. It is inevitable that our nation’s health care model will experience declines in quality with increased waiting times for care. Individual patients and companies will be forced
The Uninsured–As a Share of the Non-elderly Population and by Poverty Levels, 2009
Medicaid/ Other Public 20% Uninsured 19% EmployerSponsored 57% Private Non-Group 5%
10% 13%
Federal Poverty Level 400% FPL+ 251-399% FPL
38%
100-250% FPL
40%
<100% FPL
50.0 M Uninsured
264.7M Non-elderly Medicaid and other public coverage includes: CHIP, other state programs, Medicare and military-related coverage. The federal poverty level for a family of four in 2009 was $22,050. SOURCE: KCMU/Urban Institute analysis of 2010 ASEC Supplement to CPS
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July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
law. Some of the questions are: 1. How turf-protective will these entities and their political sponsors be? 2. Will they allow patients to go overseas or outside whatever medical network/pool the participating insurers have?
Stay tuned to the political climate and what unfolds in the next few months. The medical travel industry will feel the waves of change.
THE DECISION PPACA has Enhanced the Fear of the Bureaucrat in Medicine
I
generally avoid anecdotes and prefer to focus
my practice and the activity occurring within my medical community since the law’s inception.
laboratories. And with hospital employment leading see fewer patients to improve their quality of life. This all leads to further escalation in health care costs and falling access. The threat of diminishing reimbursement from Medicare will continue to push physicians to limit it with a subsequent decrease in access to health care for seniors.
and quality of care as we move away from personalizing care centered on medical society treatment guidelines to following ambulatory surgical center. Three of our physicians left to work as hospital-employees with a set income and limited
We are in negotiations to sell our ambulatory surgical center to a hospital. The otolaryngology and gastroenterology
enhanced the fear of the bureaucrat in medicine.
common occurrence among my fellow physicians. We are the hospital’s additional leverage in contracting. We are an independent-minded group and are unlikely to take this offer. We are instead debating the limit of Medicare patients. We receive 72 cents on the dollar for Medicare compared to commercial insurance and with practice overhead this a necessity. As our most senior physician moves to
…the angst amongst doctors is palpable, and if the joy of practicing medicine diminishes, physicians will leave. Mine is not a unique story. We have a health care law that did not build itself around sanctity of the patient-physician relationship. It has instead focused on a centralized model that has driven consolidation in the marketplace as physicians frantically search for a refuge from the coming storm.
rather than bringing on a new physician. How will this activity impact patients and our local health care system? Hospitals are positioning themselves as oligopolies within the marketplace. Competition from ambulatory surgical centers like mine that work at 52 percent of the cost of hospital outpatient departments are disappearing.
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
31
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INCENTIVE POINTS
2012
Formerly CDHC Solutions FORUM
LAS VEGAS SEPTEMBER 6-7, 2012
THE JOURNEY TO HEALTHCARE CONSUMERISM FEATURED SPEAKERS: Ron Bachman
Roy Ramthun
FSA, MAAA, Sr. President, Healthcare Visions; Chairman of The Institute For HealthCare Consumerism Editorial Advisory Board
An expert on health savings accounts and consumer directed health care issues
Wendy Lynch
Partner Alston+Bird LLP
Co-director, Altarum Center for Consumer Choice in Health Care
John Young Senior Vice President, Consumerism CIGNA HealthCare
John Hickman
Mary Bradley Pitney Bowes
Jennifer Jung
D.W. Edington, Ph.D.
Bridgepoint Education
Professor, Division of Kinesiology, Director Health Management Research Center, University of Michigan
Kevin Ronneberg, M.D. Associate Medical Director Target Corporation
WHO SHOULD ATTEND? CEOs/Presidents/CFOs Third Party Administrators Health Plan Administrators Corporate Wellness and Medical Directors
WWW.THEIHCCFORUM.COM
2012
Formerly CDHC Solutions FORUM
WHAT HAPPENS IN VEGAS…CAN LOWER YOUR HEALTH CARE COSTS In today’s challenging economic and legislative climate, companies everywhere are opting to put health care decision making into the hands of their employees. Now in our third year, the IHC FORUM West (formerly CHDC Solutions FORUM) is the only conference that offers proven, implementable consumerism solutions—at a fraction of the cost of other conferences.
GET EQUIPPED FOR YOUR HEALTH CARE JOURNEY The road to health care consumerism can be daunting if you don’t have the right navigation system. Let the FORUM set your company on the right path. Whether you’re an HR professional, C-suite executive, broker or solution provider, FORUM West offers workshops, general sessions and networking opportunities that address your unique business needs and bottom line. You’ll get up-to-the-minute insights on cutting health care costs, turning disengaged employees into savvy health care consumers and staying compliant with health care laws.
WWW.THEIHCCFORUM.COM LEARN. CONNECT. SHARE. Through five cutting-edge general sessions, 24 workshops, intimate roundtable discussions and unlimited networking opportunities, you’ll: LEARN from forward-thinking industry experts and peers on the cusp of the latest health care consumerism trends. CONNECT the board, including employers, brokers and health plan providers who have successfully implemented consumerdirected plans. SHARE leading practices, valuable insights and real, actionable solutions.
This Year’s Highlights:
Dr. Wendy Lynch, Roy Ramthun, and John Hickman
employee incentives
WHAT’S IN IT FOR YOU In just a day and a half, Washington insiders, medical and legal experts, and peers with thriving health care consumerism programs already in place will share cuttingedge strategies on how to:
WHAT IS HEALTHCARE CONSUMERISM? Healthcare consumerism is about transforming an purchasing power — and decision making — into the hands of participants. This is best achieved by supplying employees with the decision making information and support tools they
consumerism health and healthcare purchasing behaviors.
health care consumer
Doug Field CEO of The Institute for HealthCare Consumerism
Ron Bachman, FSA, MAAA Chairman of The Institute for HealthCare Consumerism Editorial Advisory Board
START PLANNING NOW FOR IHC FORUM EAST 2013 AT THE COBB GALLERIA CENTRE IN ATLANTA! DETAILS WILL BE AVAILABLE SOON AT WWW.THEIHCCFORUM.COM
ATLANTA
MAY 9-10, 2013
DON’T GAMBLE WITH YOUR HEALTH AND BENEFIT BUDGET GET REAL, ACTIONABLE SOLUTIONS AT IHC FORUM WEST 2012 FORUM WEST AGENDA AT A GLANCE THURSDAY, SEPTEMBER 6, 2012 7:30 a.m.
Registration Open
7:30 a.m. – 8:45 a.m.
Networking Breakfast / Exhibits Open
8:45 a.m. – 9:00 a.m.
Welcome
The Institute for HealthCare Consumerism
9:00 a.m. – 10:30 a.m. Opening General Session: “The Journey to HealthCare Consumerism” 10:30 a.m. – 11:00 a.m. Networking Break / Exhibits Open 11:00 a.m. – 12:00 p.m. Track #1 Workshops – Select One
104 – The Future of Lowering Health Care Costs
12:00 p.m. – 1:00 p.m. Table Topic Lunch 12:00 p.m. – 1:30 p.m. Lunch / Exhibits Open 1:30 p.m. – 2:45 p.m.
Afternoon General Session:
2:45 p.m. – 3:00 p.m.
Networking Break / Exhibits Open
3:00 p.m. – 4:00 p.m.
Track #2 Workshops – Select One
206 – Creating Health Ownership, Controlling Costs
4:00 p.m. – 4:15 p.m.
Networking Break / Exhibits Open
4:15 p.m. – 5:15 p.m.
Closing General Session
5:15 p.m. – 7:15 p.m.
Opening Night Reception / Exhibits Open
2012 FORUM WEST AGENDA CONTINUED Friday, September 7, 2012 7:30 a.m. – 8:30 a.m.
Networking Breakfast / Exhibits Open
8:30 a.m. – 10:00 a.m. Opening General Session: 10:00 a.m. – 10:30 a.m. Networking Break / Exhibits Open
10:30 a.m. – 11:30 a.m. Track #3 Workshops – Select One
11:30 a.m. – Noon
Final Break and Sponsor/Exhibitor Drawings
Noon – 1:00 p.m.
Closing General Session:
P HR t G ®
®
R
PHR
tS
PH
Professional Credits Available for CRCs and HR Professionals
®
For the latest updates and to register, visit www.theihccforum.com or call 404.671.9551
®
General Session and Workshops e
HR
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Hotel Info Red Rock Casino Resort Spa 11011 West Charleston Boulevard
www.redrocklasvegas.com
online or by phone.
Register for the IHC FORUM at www.theihccforum.com. Group rates are available. Receive a 50% discount when you sign up two or more attendees.
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PEOPLE ON THE MOVE
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FIS to Sell Healthcare Benefit Solutions Business Metro area. Individuals who are enrolled in a Cigna health plan and later choose to seek care from a New West physician also will have access to the The all-cash transaction is expected to close by the end of the third closing conditions. The sale includes FISâ&#x20AC;&#x2122; Consumer-driven Healthcare
Tango Health a Preferred Health Savings Account Option at SeeChange Health
providers and payers. FIS will retain its state and federal governmentwhich serve clients in more than 25 states.
New West Physicians, P.C., Cigna Bring Accountable Care to Denver
software and services are now available to insured employers and their workers as a preferred HSA option. This partnership will enable SeeChange Healthâ&#x20AC;&#x2122;s clients to offer employees a robust set of tools to help them become more engaged health care consumers.
its innovative plan designs to improve employee health and lower health of serious medical conditions. A key element of this approach is to provide
and increased patient satisfaction. Collaborative accountable care is Cignaâ&#x20AC;&#x2122;s approach to accomplishing the same population health goals as accountable Accountable care is a variation on the patient-centered medical home model of health care that rewards primary care doctors for improved outcomes and lower medical costs.
Cigna is an opportunity to achieve the â&#x20AC;&#x2DC;triple aimâ&#x20AC;&#x2122; while delivering well-
health plan who receive care from among approximately 60 primary care 38 July/August 2012 I HealthCare Consumerism Solutionsâ&#x201E;¢ I www.TheIHCC.com
workforce for employers and a better quality of life for employees.
SXC Health Solutions Unveils new Name Following Merger: Catamaran Following the recent completion of its merger with Catalyst Health
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5"/(0 )&"-5) » 4&&$)"/(& )&"-5) » $"5"."3"/ » 163&8&--/&44 » ,0/: 40-65*0/4 environment to contain costs and enhance the well-being of its members. to study the treatment and progression of diabetes in the senior population. development of programs that will further enhance health and well-being of people with diabetes.
results and the clinical intelligence to deliver sustainable improvements in
PureWellness Empowers Population Health Management With New Coaching Portal announced the release of an innovative new coaching portal. The coaching portal is a seamlessly integrated component of the
all aspects of member/patient engagement.
Kony Empowers Health Plan Members Everywhere With Updated Version of the Health Care Industryâ&#x20AC;&#x2122;s Most Versatile Mobile App version of its mobile health care application for payors looking to offer members end-to-end mobile applications and put secure health plan infor-
portal will be a valuable tool for his clients. management teams understand that an integrated wellness solution is the key to effective population health management and member/patient engagement. We are pleased that such respected institutions share our strong values and
options. New features of the updated application include: Graphical account
Humana, Novo Nordisk Form Partnership to Improve Quality Outcomes for Patients Fighting Diabetes Humana Inc. and Novo Nordisk Inc. announced a one-year research
Health plan providers can cover their entire member base through Konyâ&#x20AC;&#x2122;s multi-channel platform that supports 99 percent of the devices
will identify opportunities to change how patients might be treated to improve quality and outcomes for the millions of people who battle diabetes. as well as older mobile web browsers. www.TheIHCC.com I HealthCare Consumerism Solutionsâ&#x201E;¢ I July/August 2012 39
Is This Hospital Making Me Sick? The Leapfrog Group Creates Hospital Safety Score
O
ne out of every six of your employees admitted to a hospital will suffer an adverse event. Sometimes this event will kill
suggests that given only pricing information
BY LEAH BINDER, MA, MGA PRESIDENT & CEO » THE LEAPFROG GROUP
assumption that price correlates with quality. Score on restaurant inspection programs in select the highest quality provider.
to keep them out of work for weeks or months as the medical claims pile up. Ten people will die from hospital harm in the time it takes you to read this article. This is an enormous problem in our
those cities are required to post the letter grade continue to struggle to put market pressure on
safety of their kitchen. The public health grade is not the only factor a diner would use in deciding
Score as a strategy to engage consumers and
“… We should refuse to accept the fact that it is easy for consumers to working to address patient safety since our founding in 2000. In launched. The notion that patients should act as consumers and drive a market for improvement is at the heart of the movement toward
if your restaurant of choice has adequate sanitation practices is certainly an important factor to consider.
discern information on the safety of
have shown that after just one
their favorite burger joint while they
66 percent of diners consider a restaurant’s letter grade before deciding to eat there. Taking
have no way of knowing if their local hospital is a safe place to seek care.”
assigning a hospital safety grade to hospitals across the country.
which also suggest consumers
alone does not necessarily drive consumers to
give them usable information that can be easily matched with pricing to help consumers make the most effective decisions. The Hospital Safety
a study by Baruch College’s Shoshanna Sofaer
hospitals as a rating of their safety.
much more complicated institutions than the fact that it is easy for consumers to discern information on the safety of their favorite burger joint while they have no way of knowing if their
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
41
local hospital is a safe place to seek care. To begin the task of analyzing hospital the nation’s leading researchers on patient safety
Francisco. a composite measure of hospital safety. They looked at all publicly available safety data on the national level and debated the importance
of patient safety and assigned weights to each.
The good news is that all hospitals are capable of the highest standards of patient safety. A wide range of hospitals earned an
-
among those showing the highest safety scores.
hospitals. Many hospitals with myriad national
Unscored hospitals include all hospitals government excludes from required public reporting at the national level. While almost
expert panel to assign the letter grades.
shared all the data and the methodology used to calculate each hospital’s score. The public
-
the new website: www.HospitalSafetyScore.org.
safety is something all hospitals can choose. Alongside this variation in performance
interesting to see that hospitals in some parts of the country seem to be particularly focused on safety. We encourage the people who live in states that fared worse in the Hospital Safety Score to have a conversation with their doctors about the quality of care. Many hospitals responded to their score by
regional variation in the Hospital Safety Score. they needed improvement. We were impressed with the candor and courage of many of these
Another 650 hospitals received a B. These are hospitals that have taken some precautions to greater risk that a patient may leave the hospital with an added complication or infection that they didn’t have when they arrived. More than hospitals requiring extra caution from patients. The Hospital Safety Score does not assess a surgeon’s capability to perform a knee replacement or a cardiologist’s ability to perform
Distribution of Health Safety Scores Grade Pending — 5.0%
A Hospitals that are proven to be safer places to receive care than hospitals that scored lower A - 28.0%
grades on the Hospital Safety Score may offer C - 28.0%
properly trained and the hospital doesn’t have procedures in place to prevent the patient from getting a potentially fatal infection during be rendered irrelevant. 42
July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
B Hospitals that have taken some steps to protect patients, but still pose some potential risk to those receiving care C Hospitals that do not have procedures in place or staff trained to prevent harm and error to patients
B - 28.0%
Grade Pending Hospitals that have extremely poor evidence of an ability to protect patients from harm and error
Employers Accelerating Toward Consumer-driven Health, Increasing Health Ownership
S
predictions for the growth of consumer-driven health plans
improve health decision-making. Many employers are changing their health
BY CRAIG HANKINS CONSUMERISM LEAD, PRODUCT & INNOVATION UNITEDHEALTHCARE
+3.1 percent more members use UnitedHealth Premium® designated physicians +4.6% more members use generic medications +6.0% more members enroll in wellness coaching
members enrolled in employer-sponsored plans are in plans with a health reimbursement
ultimately drives 50 percent of health costs. If employers don’t help their employees and their hope of addressing the associated costs. It is
employers.
It’s About Behavior, First. Then, Cost. While cost consistently drives most behavior that drives higher costs. An oft-cited
+7.1% more employees over 40 get preventive care
but it also can lead to positive behavior change.
employer’s approach toward managing their health plan costs. Using UnitedHealthcare’s proprietary
CDHPs Promote Better Decisions…
consumer behavior across 55 unique health
is consumers are over-insured and under-saved when it comes to health insurance. If consumers move into higher deductible plans with lower
key areas that show greater involvement in their health. www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012 43
And Delivers Better Results.
Tactics such as
These changes lead to cost savings. A published study performed by UnitedHealthcare found overall costs for consumers in HSA plans are 5-7 percent lower after two years when compared to consumers who remained
eliminating old plans entirely and requiring an “active” plan choice
with chronic health conditions.
at every annual open
equal. The changes in behavior and the related
enrollment open the
depends upon the plan design and rollout to employees. When compared to a similar
door for consumers to
generates costs 2-5 percent lower over time.
choose the right plan.
taxes for the year.
It’s All-Relative. Getting Employees to Pick What’s Right for Them. It’s incumbent upon employers to help their employees make an informed choice. This means putting thought into what plans they including those with no costs and those with substantial ongoing costs associated with differential is between them. It also means thinking about how consumers make decisions. To borrow a term
With a base of consumers from both eliminating old plans entirely and requiring deductible with no greater than a 90 consumers are using the accounts. Their data show most consumers grow their HSA balances
enrollment open the door for consumers to choose the right plan. It’s also important to consider how attractive the alternatives look.
spending needs and creating an asset for future health spending. consumers with HSAs spend more than half of regardless of the contribution differential. employers should keep in mind they may see some shifts in utilization patterns during the run
with 26 percent of HSA account holders making no withdrawals from their HSAs. Employers are contributing to the
Health Education and Communication has an ROI.
holders chip in their own money for an average
and their families probably have no idea how the health plans really work. Without exposure
Employers transitioning their employees
full-replacement scenario.
utilization forward and causing the following year’s utilization to be lower or at a hush.
the year with $416 more than they started
system works and how their share of the cost is determined and how they pay that share. They’ll be surprised when they receive their
savings into account. Assuming a 25 percent more normal levels. For a well-designed
CDH Adoption Best Practices Remember…and use these tips from employers that have been there already. trend impact by planning on regular increases to the plan deductibles.
Understand Your Population
Creating Health Care Assets.
Analyze your current plans
deductibles don’t most people end up spending all of the money in their
Understand your current clinical, Rx & utilization needs
savings account market with more
Define communication priorities
than $1.6 billion in assets under management. 44 July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
Position Your Health Plan
Evaluate Your Culture
Take Action
Establish lowcost plan as default, with no cost change from current most popular plan
Establish CDHP adoption goal
Ongoing communications
Tie to company goals
Offer education
If keeping existing high option plan, make it a buy-up
Require active plan choice at enrollment
Set up pre-tax payroll for HSA
Leverage executive leadership
Provide decision tools & resources
Introduce & reinforce tools Establish/ reinforce cultural expectation of health and wellness “ownership”
impact costs. A published UnitedHealthcare study found
an entertaining way to raise awareness of health and well-being that helps to get
generate costs 6 percent lower than those with low health literacy. UnitedHealthcare offers employers and their employees a host of resources to help
was introduced. UHCTV offers brief including inspirational speakers and even comedy sketches. A little laughter is good for you. Both of these resources
accounts and more. They can even use it to keep a list of the preferred providers and keep notes. And since smartphones
UnitedHealthcare to call them back about their question or issue.
Work With the Industry Leader Successfully transitioning your employees
communication plans and materials enable employers to apply best practices regardless of the resources available to them.
What is in an Experience? Everything. putting the right information at your employees’ uncertain and challenged navigating the health of deeper engagement. Without the right tools
is bringing innovation that counts into the resources that our members use every day. Many consumers don’t understand their health plan and how care and health plans work can be entertaining. UnitedHealthcare offers
not covered by UnitedHealthcare. Health care remains one of the few realms where consumers can’t estimate costs before incurring
planning and discipline. It also requires a strong alliance with your insurer that enables your you:
accurate estimates for the care they’re considering. UnitedHealthcare’s myHealthcare Cost Estimator tool provides just that and more. It goes beyond cost to ensure users understand of the physicians and facilities they’re considering providing their care. All that with personalized cost estimates consumers determined using fee status and plan design. Everybody’s on the go keeping on top of things easier than ever. Members can download and use UnitedHealthcare Health4Me to check
Flexibility: designs and account design options Communications: A full suite enrollment on Tools:
transparency Experience: Actionable knowledge that comes from best practices UnitedHealthcare has been a leader in consumer-directed health care since the
communications and member tools. introduces a new way to learn about the
their well-being and wants to keep them safe. publicly less constructive in their approach. The American Hospital Association wrote a letter critical of the methodology used in calculating
they can be very powerful change agents. It’s munities where going to an A-rated hospital is not an option. As one of the largest payors to But the key stakeholder is the American employer. Employers can use the Hospital Safety
age to demand safer care. The purchaser-dominated Board of
Where do we go From Here? toward safer hospitals. Employers using consumprofessor of health policy and management at
Score a tool to engage employees in effective decision-making about their care. The Hospital Safety
Consumers might understand that a hospital
sage to employees that the employer cares about
or other purchaser of care interested in joining with us to advance the Hospital Safety Score and get the tools you need to engage employees and drive markets toward change. For information on introductory membership or to learn more
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012 45
WHO’S WHO PROFILES
WWW.THEIHCC.COM
DECISION SUPPORT & COST-SAVINGS TOOLS
HSA/HRA/FSA TECHNOLOGY: ADMINISTRATION & MANAGEMENT
TSYS Healthcare® provides end-toTSYS HEALTHCARE end strategic payment solutions for 706.649.5080 consumer directed healthcare. We www.tsyshealthcare.com partner with benefits administrators, healthcare@tsys.com financial institutions, health plans, and software providers to navigate all aspects of HSAs, HRAs, FSAs, transportation accounts, cash reimbursements, and lines of credit. TSYS Healthcare cards offer participants the security they expect along with the ability to conveniently access funds from multiple accounts and manage their benefits payments with simplified single-card access. Clients and partners benefit from simplified processes, reduced paperwork and cost savings that can contribute to improved return on investment.
“We built the TSYS Healthcare platform to meet the market demand for reliable, configurable and intelligent solutions. Understanding the dynamic U.S. healthcare market, our customers rely on our option-driven system to prepare them for the future.”
My HSA Rewards allows individuals MY HSA REWARDS to earn cash rewards for purchases 12460 Crabapple Road made through merchants Suite 202-254 participating in the program. Alpharetta, GA 30009 At launch, the merchant network consists of hundreds of major online 404.551.5543 retailers representing thousands of www.myhsarewards.com brands. The program works like an sanders@myhsarewards.com airline mileage program, but, instead of earning miles, participants earn cash rewards that are directed to a health savings account (HSA). There is no cost to the employer or the employee to join.
“If you want to grow your Health Savings Account faster and with ease, My HSA Rewards is a smart and simple way to put real cash into your HSA from the purchases you make every day.”
— Trey Jinks, Group Executive, TSYS Healthcare
— Sanders McConnell, President, My HSA Rewards
HSA / HRA / FSA ADMINISTRATION AND FINANCE
EVOLUTION1, INC. 952.908.9056 www.evolution1.com sales@evolution1.com
Evolution1 and its Partners serve more than seven million consumers, making it the nation’s largest electronic payment, on-premise and cloud computing healthcare solution that administers reimbursement accounts, including HSAs, HRAs, FSAs, VEBAs, Wellness and Transit Plans. It is the only solution that meets more than 1,200 unique plan designs, provides innovative auto-substantiation technologies, simplifies user experience, and automates workflow for Partners, employers, and consumers. It does all this on one technology platform comprised of Lighthouse1™, PayDirect®, the Benny® Prepaid Benefits Card, Lighthouse1 OneCard™ and integrated web portals. Evolution1 and its Partners are dedicated to delivering value, reducing costs and simplifying the business of healthcare.
“The combination of our innovative products will further our leadership position in a rapidly changing healthcare market. Together with our Partners we are committed to reducing costs and simplifying the business of healthcare.” — Jeff Young Chairman and CEO, Evolution1 46
July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
WWW.THEIHCC.COM
HSA/HRA/FSA TECHNOLOGY: ADMINISTRATION & MANAGEMENT
Ceridian provides CDHC administration CERIDIAN with your business in mind. As a leading 3201 34th Street South provider of human resource, benefits and payment solutions, Ceridian helps St. Petersburg, FL 33711 organizations control costs, save time, optimize their workforce, grow revenue and 727-395-1764 minimize financial risk. Ceridian’s CDHC ernie.harris@ceridian.com administration services are designed to generate significant, sustainable savings through increased employee engagement. Our solution includes innovative features such as integrated account access, promotional communications, online claims and receipt uploads, and a mobile application coming soon.
“The key to controlling health care costs is also an employer’s most valuable resource – their employees. Ceridian goes beyond typical benefits administration to help employers form a phased, multiyear plan for engaging employees in their health and health care, which significantly lowers costs in the long term.” – Ernie Harris, Senior Product Manager for CDHC, Ceridian TOTAL POPULATION HEALTH MANAGEMENT
LifeSynch changes behaviors to improve lives. LIFESYNCH Our approach integrates care of the mind and body to enhance health, increase productivity and 2101 W. John Carpenter Frwy Irving, Texas 75063 minimize unnecessary medical expenses. Built 800-207-5101 on a solid foundation of understanding human www.lifesynch.com behavior and how to motivate behavior change, we deliver proven outcomes through: Proven methods that lead to increased Customizable programs that easily engagement and sustained behavior incorporate into existing benefits and change. services. Clinicians and coaches who provide Scientifically proven best-practice personalized attention and form trusted guidelines to proactively manage care. relationships with members. Scalable, user-friendly technology.
“Whether it’s LifeSynch’s health coaching, EAP/Work-life, integrated medical-behavioral health or utilization management services, we integrate our behavioral health and behavior change expertise to ensure our members reach their goals and achieve sustainable, long-term improvements toward their health and well-being.” – Sean Slovenski, President of LifeSynch,
WHO’S WHO PROFILES
HSA/HRA/FSA TECHNOLOGY: ADMINISTRATION & MANAGEMENT
DataPath, Inc., is one of nation’s largest providers of CDH solutions specializing in account-based administration systems.
DATAPATH, INC.
1601 WestPark Drive, Suite 9 Little Rock, AR 72204 501.296.9990 www.dpath.com
Since 1984, service providers using DataPath systems have provided administrative solutions for over 1 million participants of FSA, HRA, HSA, and COBRA. DataPath is the only solutions provider to design and deliver a full Suite of systems for handling 125, 105, 132, COBRA, HSAs, Credit and Debit Cards all delivered to account holders through a single Internet portal, myRSC.com.
“With the significant changes in healthcare today, our software solutions allow users to create custom plans for clients that benefit both the employer and employee. Not only have we created a single platform for all systems with myRSC.com, with the integration of our mySourceCard Debit Card at Wal-Mart and other retailers, our clients are able to offer a hassle-free solution with 100% compliance.” ®
HSA/HRA/FSA TECHNOLOGY: ADMINISTRATION & MANAGEMENT
Since 1988, Flex has provided comprehensive, benefit reimbursement services to employers throughout the U.S. that are better, faster and more seamless than any in the marketplace. We are advocates of consumer-driven health plans and have fully-dedicated ourselves to the strategic concept of taxadvantaged and account-based programs.
FLEXIBLE BENEFIT SERVICE CORPORATION (FLEX)
10275 W. Higgins Road, Suite 500 Rosemont, IL 60018 www.JustFlexit.com 866.472.0882 fpsales@flexiblebenefit.com
Our core portfolio includes: COBRA Administration Flexible Spending Accounts (FSAs) Health Reimbursement Arrangements (HRAs) Health Savings Accounts (HSAs) – Employer & Individual Solutions! Transit/Parking Reimbursement Accounts (TRAs) And more! Our robust, integrated resources provide everything employers need to integrate Flex Plans, including scalable features, simplified transactions/ reimbursements, plan design expertise, education/ communication resources and online access.
Just Flex It™ today and discover how simple benefits administration can truly be. www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
47
WHO’S WHO PROFILES
WWW.THEIHCC.COM
FSA/HRA/HSA/TRANSIT/COBRA: ADMINISTRATION & MANAGEMENT
HEALTH DECISION SUPPORT TOOLS
eflexgroup (eflex) is a nationwide eflexgroup administrator of pre-tax benefits 2740 Ski Lane and COBRA. Committed to providing Madison, WI 53713 fast answers, fast claims, and web 877.933.3539 ext 300 self-service, we set the industry www.eflexgroup.com standards for service. With a efgsales@eflexgroup.com customer focus and Lean Six Sigma methodology, we don’t talk about service, we prove it. See our metrics at eflexgroup.com.
Castlight Health enables employers, their CASTLIGHT HEALTH 85 Market Street, Suite 300 employees, and health plans to take San Francisco, CA 94105 control of health care costs and improve care. Named #1 on The Wall Street 415.829.1400 Journal’s list of “The Top 50 Venturewww.castlighthealth.com Backed Companies” for 2011 and one of Dow Jones’ 50 Most Investment-Worthy Technology Start-Ups, Castlight Health helps the country’s self-insured employers and health plans empower consumers to shop for health care. Castlight Health is headquartered in San Francisco and backed by prominent investors including Allen & Company, Cleveland Clinic, Maverick Capital, Morgan Stanley Investment Management, Oak Investment Partners, Redmile Group, T. Rowe Price, U.S. Venture Partners, Venrock, Wellcome Trust and two unnamed mutual funds.
“eflexgroup’s customer service department should be a model for ALL customer service departments. The courtesy, professionalism and knowledge surpass ANY customer service department I’ve encountered! I feel the outstanding, exemplary customer service of eflexgroup is simply the best!” — Kimberly Adams, Southeast Energy Assistance [testimonial] PROFESSIONAL DEVELOPMENT
Health Insurance 101: An Orientation is a new, flexible online course offered by AHIP. It is designed to teach health insurance basics to those new to health care or individuals who wish to review the fundamentals. The course is formatted in short modules; you learn at your own pace and on your own time, moving through the materials as you choose. Plus, AHIP will customize the course to fit your organization’s specific learning requirements.
48
AMERICA’S HEALTH INSURANCE PLANS 601 Pennsylvania Ave., NW South Building, Suite 500 Washington, D.C. 20004 Lindsey Miranda Canaley Tel: 800.509.4422 Fax: 202.861.6354 lmirandacanaley@ahip.org www.ahip.org/courses
July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
Giovanni Colella, M.D. CEO and Co-Founder, Castlight Health PHARMACEUTICAL BENEFITS MANAGEMENT
Envision Pharmaceutical Services, ENVISION PHARMECEUTICAL Inc is a full service pharmacy benefits SERVICES, INC. management company that delivers! John Ewell, EVP Marketing We deliver because our business 925.487.3266 model is based on transparency www.envisionrx.com and full disclosure, guaranteeing jewell@envisionrx.com 100% pass through pricing of all pharmaceutical manufacturer rebates and administrative fees at the point-of-sale. Additionally, our affiliate, Envision Insurance Company, is a national Prescription Drug Plan which enables us to offer a variety of solutions for your retirees. Envision is truly a “different” PBM!
“Envision is pleased to be recognized by its clients surveyed by the Pharmacy Benefits Management Institute for three consecutive years as the top performer in virtually every category evaluated. This solidifies our leadership position in providing transparency and full disclosure to the PBM marketplace while continuing to find innovative solutions.” — Kevin M. Nagle, President & CEO, Envision Pharmaceutical Services/Rx Options
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HEALTH INCENTIVES
MedEncentive offers a patented, web-based incentive system that’s been independently validated
MEDENCENTIVE
Cecily Hall Executive Vice President medencentive.com chall@medencentive.com
to control healthcare costs. Doctors and patients earn financial rewards for declaring adherence to best practices and healthy behaviors, provided they agree to be accountable to the other party for doing so. Easy to implement and
EMPLOYEE COMMUNICATION AND EDUCATION
ExperienceLab has created a breakthrough, CDHCENTRIC patented communication program that saves 507 S. 8th Ave. Bozeman, employers money by increasing adoption and Montana 59715 usage of consumer directed health (CDH) 617.224.6223 insurance plans among their employees. www.experiencelab.com CDHCentric, sold on a subscription basis, rtravis@experiencelab.com delivers regular, multi-media communications that are tailored based on seven unique attitudinal segments developed from proprietary research.
Traditional health plans protect employees from having to learn the basic skills for making cost-effective healthcare decisions. Our segmentation research, which is based on 20 years of behavioral marketing, found 7 unique personality types, and each makes healthcare decisions differently. The result is that, when employee messages are correctly tailored to their personalities, employees become health care consumers! — Roger Travis, President
embraced by users. SUPPLEMENTAL HEALTH
Transitions Optical, Inc. is the maker of Transitions® lenses, the #1-eyecare professional recommended photochromic lenses worldwide.
WHO’S WHO PROFILES
TRANSITIONS OPTICAL 9251 Belcher Road Pinellas Park, FL 33782
800.533.2081 ext. 2262 www.healthysightworkingforyou.org phuot@transitions.com
Transitions Healthy Sight Working for You® is an education initiative that helps HR professionals and benefits professionals communicate the value of the vision benefit to employees. More information and complimentary education tools are available at HealthySightWorkingForYou.org.
“Don’t overlook your employees’ healthy sight when thinking about your business goals. A vision benefit that includes an eye exam and sight-optimizing eyewear helps ensure that employees see their best, so they can do their best work, directly affecting your business.” — Pat Huot, Director, Managed Vision Care
HEALTH ACCESS ALTERNATIVES
WeCare TLC is a medical risk management company that leverages onsite primary care clinics to provide solutions to rising healthcare costs while improving patient health and wellness.
WE CARE TLC
120 Crown Oak Centre Dr Longwood, FL 32750 800.941.0644 www.wecaretlc.com raegan.garber@wecaretlc.com
Our holistic approach to care empowers the clinic staff to act as patient advocates, which increases compliance and decreases unnecessary expensive services.
“Healthcare is now a right and employers are faced with the challenge of truly managing their healthcare costs. We have created a unique medical home clinic model that properly addresses quality of care and cost. This requires constant, aggressive, creative, and directed attention to accomplish but it can be done.” — Lynn Jennings, CEO, WeCare TLC
www.TheIHCC.com I HealthCare Consumerism Solutions™ I July/August 2012
49
WHO’S WHO PROFILES
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AHIP ........................................................ 48
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Allstate ...................................................... 5
IHC FORUM West .................................. 33-37
Best Buy ..................... 32, Inside Back Cover
IHC Health and Wellness Library ................40
Castlight ....................................................48
IHC Membership.........................................16
Ceredian ....................................................47
IHC Radio...................................................12
DataPath .................................................. 47
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eflexgroup ................................................ 48
LifeSynch ...................................................47
Envision Pharmaceutical Services...............48
MedEncentive ............................................49
Evolution1 ..................................................48
My HSA Rewards ........................................46
FIS Healthcare Solutions ............................10
Transitions Optical .....................................49
Flexible Benefit Service Corporation ...........47
TSYS Healthcare ................................... 9, 46
HealthCare Consumerism Radio ..................28
UnitedHealthCare ......................... Back Cover
rEPrInts
Susan Yakots 50
July/August 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com
HealthStat ........................ Inside Front Cover
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Engaging consumers to make informed health care decisions UnitedHealthcareâ&#x20AC;&#x2122;s consumer-driven health (CDH) plans were designed to get employees on the path to good health with improved lifestyle habits and use of the health care system, and greater transparency to help drive better decisions. Thatâ&#x20AC;&#x2122;s why our plans offer: t NZ)FBMUIDBSF $PTU &TUJNBUPS B UPPM UIBU HJWFT NFNCFST VMUSB TQFDJmD FTUJNBUFT CBTFE PO MPDBUJPO QSPDFEVSF and even doctor; as well as expenses related to possible care paths t OFUXPSL QSFWFOUJWF DPWFSBHF BOE QFSTPOBMJ[FE NFTTBHJOH CBTFE PO JOEJWJEVBM IFBMUI DBSF OFFET
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'PS NPSF JOGPSNBUJPO PO 6OJUFE)FBMUIDBSF T $%) QMBOT WJTJU uhctogether.com/CDH or call 1.866.438.5651.
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myHealthcare Cost Estimator is currently available to many UnitedHealthcare members, and will launch in additional markets throughout the remainder of the year. Š2012 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. UHCEW506202-002