2015 IHC Private Exchange FORUM Conference Workbook

Private Exchange

FORUM

EXPLORING THE NEW BENEFITS DELIVERY MODEL FOR EMPLOYERS, BROKERS AND INSURERS CONFERENCE WORKBOOK Your Guide to Private Exchange FORUM MARCH 31 – APRIL1, 2015 RENAISSANCE RICHARDSON HOTEL DALLAS, TEXAS WWW.PRIVATEEXCHANGEFORUM.COM

Quality health plans & benefits Healthier living Financial well-being Intelligent solutions

Building a healthier worldSM Aetna is proud to sponsor The Institute for HealthCare Consumerism.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna). Š2015 Aetna Inc. 2014015

TABLE OF CONTENTS WELCOME ............................................................... 5 SCHEDULE .............................................................. 6 TABLE TOPICS.......................................................... 7 CONFERENCE MAP .................................................... 9 EXHIBITOR BOOTHS ................................................ 11 PRE-CONFERENCE LUNCH AND LEARN ........................ 13 PRE-CONFERENCE CERTIFICATION.............................. 15 PRE-CONFERENCE COURSE: THE FUNDAMENTALS OF PRIVATE EXCHANGES .............................................. 16 PRE-CONFERENCE CERTIFICATION COURSE .................. 17 GENERAL SESSIONS ........................................... 19-27 WORKSHOPS .................................................... 29-38 BRONZE SPONSORS ................................................ 39 PARTNERS ............................................................ 40 IHC GAME ........................................................ 41-42

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WELCOME Dear attendees, speakers and sponsors: Welcome to the inaugural Private Exchange FORUM produced by The Institute for HealthCare Consumerism.

As the health and benefits industry continues its shift toward a more consumer-centric model, no other emerging area has garnered as much interest and arguably polarized the industry to the extent that private health insurance exchanges have.

Over the past few years, we in the industry have heard a variety of opinions on the eventual adoption of private exchanges. We have heard from the naysayers that private exchanges are nothing more than an enrollment platform that shifts more costs to the employee population with little benefit. And we have heard from the soothsayers that proclaim private exchanges will be the future of employee benefits in just a few more enrollment cycles.

But what is the most likely path of the private exchange future?

This two-day event in Dallas will attempt to unravel the confusing tangle of models, choices and offerings that is the current private exchange market and attempt to construct what the private exchange future will look like for all stakeholders.

As evidenced by widespread interest in this inaugural event, there is a real hunger for information right now as each industry stakeholder envisions how their business will change with the arrival of private exchanges. With that in mind, the Private Exchange FORUM agenda has been designed to take attendees on a journey through the process of evaluating and selecting a private exchange model.

Whether you’re an employer, broker/advisor or insurer, it is our hope that you will find the education, collaboration and access to solutions that you need to help make the right decisions going forward for your business or clients’ business over the course of these two days.

In closing, I would like to personally thank everyone that helped make our first-ever Private Exchange FORUM a possibility – from my staff to our attendees to each and every sponsor. And I would be remiss to not give a special thanks to the Private Exchange FORUM conference co-chairs, John Young and Ernie Harris, that helped build the conference program; Aetna, our sole platinum-level sponsor; and our seven gold sponsors, ConnectYourCare, Connecture, Cigna, Softheon, WageWorks, Quadrant 4 and Optum.

On behalf of all of us at The Institute for HealthCare Consumerism, we sincerely appreciate your participation and look forward to your feedback at the end of the event.

Sincerely, Doug Field CEO & Founder The Institute for HealthCare Consumerism dfield@theihcc.com

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SCHEDULE 2015 Private Exchange FORUM Agenda MONDAY, MARCH 30 12:00 to 7:00 p.m. Exhibitor Setup & Registration

TUESDAY, MARCH 31 7:30 a.m. Registration Desk Opens

Pre-Conference Events 8:30 a.m. to 12:30 p.m. (Prior registration required) Making Health Care Consumerism Work: The Steps and Plan (Room: Harmony #1) The Fundamentals of Private Exchanges (Room: Harmony #2) NAHU Certification Program on Self-funding for Brokers (Room: Harmony #3)

Pre-Conference Lunch & Learn 12:30 to 1:30 p.m. (Prior registration required) Private Exchanges: The Present & The Future (Room: Sonata Ballroom) 12:30 to 1:45 p.m.

1:45 to 2:00 p.m.

2:00 to 3:00 p.m.

3:00 to 3:15 p.m.

3:15 to 4:15 p.m.

4:15 to 4:30 p.m.

4:30 to 5:45 p.m.

5:45 to 7:30 p.m.

Exhibit Hall Opens OPENING ADDRESS from Doug Field, CEO, The Institute for HealthCare Consumerism, and John Young, CEO, Consumerdriven, LLC OPENING GENERAL SESSION Private Exchanges: What’s Working, What’s Not and What Lies Ahead Networking Break/Exhibits Open AFTERNOON GENERAL SESSION Understanding Private Exchange Models and Platform Options Networking Break/Exhibits Open CLOSING GENERAL SESSION What Defined Contribution and Private Exchange Solutions are Leading Brokers/Consultants Offering Clients?

Opening Night Reception in Exhibit Hall

WEDNESDAY, APRIL 1 7:30 to 8:30 a.m.

8:30 to 9:45 a.m.

9:45 to 10:00 a.m.

10:00 to 11:00 a.m.

11:00 to 11:15 a.m.

Networking Breakfast/Exhibits Open OPENING GENERAL SESSION Leading Health Plans Reveal Product Strategies for Their Own Exchanges (And Inside Other Exchanges) Networking Break/Exhibits Open MID-MORNING GENERAL SESSION Defined Contribution Health Care: Why Do It, How to Do It and What to Do in Renewal Years Networking Break/Exhibits Open

11:15 a.m. to 12:15 p.m. WORKSHOP TRACK ONE (Choose one): LEARN Session 101 Providing the Right Benefit Mix in Your Exchange: Supplemental Health, Voluntary Benefits and More (Room: Harmony #1) CONNECT Session 102 Private Exchange Trends and Strategies for Retirees (Room: Harmony #2) SHARE Session 103 Engagement and Decision Support Considerations for Private Exchanges (Room: Sonata Ballroom) SHARE Session 104 Optimizing Employee and Employer Needs in a Private Exchange: From Enrollment to Premium Billing (Room: Harmony #3)

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TABLE TOPICS 12:15 to 1:45 p.m.

12:30 to 1:30 p.m.

1:45 to 2:45 p.m.

2:45 to 3:00 p.m.

3:00 to 4:00 p.m.

4:00 to 4:30 p.m.

4:30 to 5:30 p.m.

5:30 p.m.

Lunch/Exhibits Open Table Topic Lunch Discussions AFTERNOON GENERAL SESSION Providing the Right Consumer Experience: The Value of Building a Complete Exchange Solution for Your Employees Networking Break/Exhibits Open WORKSHOP TRACK TWO (Choose one): LEARN Session 201 Private Exchange Compliance 101 (Room: Harmony #3) CONNECT Session 202 Best Fit Exchange Solutions for Mid-Market Employers (Room: Sonata Ballroom) SHARE Session 203 The Game-Winning Combination of HSAs and Private Exchanges (Room: Harmony #1) SHARE Session 204 The Importance of Integrating Health Management and Private Exchange Models (Room: Harmony #2) Final Networking Break/Exhibits Open CLOSING GENERAL SESSION Perspectives from Leading Employers Who Have Implemented Defined Contribution and Private Exchanges Conference Adjourns

________________________________________________________ TABLE TOPIC DISCUSSIONS Wednesday, April 1 from 12:30 to 1:30 p.m. in the Symphony Ballroom Limited to nine attendees per table, enjoy an interactive lunch with key industry leaders and have the opportunity to engage in an open discussion on the featured table topic of your choice. Please sign-up at the registration desk for your chance to be a part of this valuable experience. Table topics are offered on a first-come, first-serve basis.

Below is a sample of discussion topics from which to choose: • • • • • • • •

Health and Wellness Employee Engagement Shopping Experiences within Exchanges Benefits Administration for Account-Based Plans Health Savings Accounts Price/Quality Transparency Defined Contribution Health Care Brokers’ Role within Private Exchanges

Professional Credits Available The 2015 Private Exchange FORUM general sessions and workshops have been approved for 9.50 (HR General) recertification credit hours toward PHR, SPHR and GPHR recertification through the HR Certification Institute. For more information about certification or recertification, please visit the HR Certification Institute website at www.hrci.org.

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Workshops will be located in Sonata Ballroom, Harmony #1, Harmony #2 and Harmony #3 Meeting Rooms

Speaker Prep Room will be located in Orchestra Meeting Room

Pre-Conference Lunch & Learn will be in Sonata Ballroom

Pre-Conference Workshops will be in Harmony #1, Harmony #2 and Harmony #3

General Sessions, Exhibits, Table Topic Lunch, Opening Night Reception and all Food/Beverage Services will be located in the SYMPHONY BALLROOM

CONFERENCE MAP

How do you effectively roll out an HSA program to your employees?

Education and communication are the keys to your success.

We know how to engage your employees in their health account options.

And it begins long before they receive their benefits enrollment package.

We know how to simplify things, and drive account enrollment through uniquely tailored strategic communication solutions. Our clients have enjoyed a 23-29% increase in account enrollment.

Stop booth 110 by to learn more.

www.connectyourcare.com

SYMPHONY BALLROOM

EXHIBIT FLOOR MAP

EXHIBITOR BOOTHS

Booth Numbers 98 GoHealth 99 Willis 100 hCentive 101 Lockton 102 FAIR Health 103 ASPCA 104 Code Baby 105 BenefitAlign 106 DataPath 107 Gallagher

108 ARAG 109 Employee Navigator 110 ConnectYourCare 112 Maestro Health 113 Bloom Health 114 Benaissance 115 Interactive 116 Renaissance Dental 117 Softheon 118 Quadrant 4 System

119 Evolution1 120 Aetna 121 Connecture 122 Avidia Bank 123 EBenefits Solutions 124 Maxwell Health 125 BCBS TX 126 Advanced Plan for Health

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127 Wageworks 128 New Benefits 129 Select Account Sponsors With No Booth: Cigna Optum Benefitfocus

WHAT’S YOUR EXCHANGE STRATEGY? Let Softheon help plan your next move.

LUNCH & LEARN PRE-CONFERENCE LUNCH & LEARN Tuesday, March 31, 2015 12:30 to 1:30 p.m.

Private Exchanges: The Present & The Future The benefits world is changing. With rising health care costs and changing laws, it may seem harder than ever for employers to offer their employees quality benefits that keep them protected against financial risk. With a private exchange solution, employers are able to provide an online store or marketplace where employees can shop for and purchase a personalized benefits portfolio using funding contributed by the employer.

In this pre-conference lunch & learn session, Alan Cohen, chief strategy officer and co-founder of Liazon, will delve into what exactly a private exchange is and what can be predicted about them. He will address his remarks to these and other items of interest, including how private exchanges benefit employers; the future of private exchanges; and how private exchanges positively impact a company’s relationship with their employees.

Speaker: Alan Cohen, Co-Founder and Chief Strategy Officer, Liazon

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PRE-CONFERENCE PRE-CONFERENCE CERTIFICATION COURSE Tuesday, March 31, 2015 8:30 a.m. to 12:30 p.m.

Making Health Care Consumerism Work: The Steps and Plan Why should employers consider implementing health care consumerism? Can you show a clear health care benefit vision and strategy to your senior management?

This special pre-conference certification course will show you why and how. This interactive, knowledge-rich course includes our exclusive 209-page personalized workbook for your notes and exercise results on all 12 sections to the program. You will leave this workshop equipped with the principles, strategies and implementation options you need — unique to your company. This session will cover private exchanges and other learning points from the 209-page text required to pass the Certified in HealthCare Consumerism (CHCC) exam.

Led by nationally recognized health care consumerism expert and retired principal for PricewaterhouseCoopers, Ron Bachman, this course will walk you through the entire planning process — from strategy to implementation. Also included will be an explanation and discussion of private and public exchanges, specific issues related to Affordable Care Act implementation now through 2018 and other timely and relevant advice for establishing an effective health care consumerism strategy.

This course is also a training class for those interested in becoming Certified in HealthCare Consumerism (CHCC) by The Institute for HealthCare Consumerism.

Following this pre-conference course and the subsequent FORUM conference, CHCC testing will be offered online to registered candidates.

Faculty: Ron Bachman, FSA, MAAA, CHCC, Chairman, Editorial Advisory Board, The Institute for HealthCare Consumerism, and Don Cooper, MBA, ACBC, CHCC, President, TriFlex Corporation __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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PRE-CONFERENCE PRE-CONFERENCE COURSE Tuesday, March 31, 2015 8:30 a.m. to 12:30 p.m.

The Fundamentals of Private Exchanges This hands-on, pre-conference course will help employers and those working with them understand the various exchange models and key points in determining whether a private exchange is right for your company, your employees and/or your clients.

More and more, employers are responding to industry surveys similarly: they see private exchanges as a real option and perhaps the clearest path and means to accomplish their primary goals as it relates to health and benefits: cut health care costs; reduce administrative burden; improve choices provided to employees covered under the company health plan(s); increase access to coverage for those employees not currently under a company plan; and maintain valid options for active and retired employees.

Yet, they state that the key questions remain unanswered. With so many options in the market from parties with vested interests — such as brokers, consultants and even the insurance companies themselves — who can be trusted to deliver the right fit solution for us, an employer with so many unique benefits requirements and distinct employee situations?

This course is designed to answer many of your questions as employers and to support you in the development of a singular strategy related to private exchanges that works in your company’s sole case. We will start by ensuring your goals, objectives and strategies fit with the private exchange model. We will then together evaluate various potential choices among the many types of exchange vendors and attempt to pinpoint credible sources for your business. We will explore the challenges present when considering exchange solutions and review critical features and capabilities to look for and weigh while on your search.

Faculty: Barbara Gniewek, Principal, GHRS, PricewaterhouseCoopers, and Donald Weber, Managing Director, PwC’s Human Resource Services Group; Jonathan Har-Even, Consultant, GHRS, PricewaterhouseCoopers __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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PRE-CONFERENCE PRE-CONFERENCE CERTIFICATION COURSE Tuesday, March 31, 2015 8:30 a.m. to 12:30 p.m.

Special Certification Program for Brokers on Self-Funding Developed by experts in the market space, this four-hour course instruction will ensure that students understand the key technical components of self-funding and that brokers are better prepared to counsel their clients on the various benefits of self-funding, including eliminating most premium tax, lowering the cost of administration, lowering the cost of claims/administration and lowering the cost of customer service to employees.

Additionally, this session has been extended by one hour to now include a primer on captive insurance products for health benefits and their relationship to self-funding, including how private exchanges may be used to manage this offering to employees and dependents.

While anyone is welcomed to attend this course, the program is especially suited to brokers who want to gain a better understanding of self-funding options for their clients. CEU credit of four hours is available for this course in all 50 states.

This course is being offered in partnership with the National Association of Health Underwriters (NAHU), and the instructor is a member of the NAHU staff.

Faculty: David C. Smith, Vice President, Ebenconcepts

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Demonstrate Deep Expertise Like These Leaders Did RE CONS U CA M H T

ISM ER

HE AL

Master The Health Care Consumerism Megatrend Become Certified in HealthCare Consumerism (CHCC)

C

ER

T I F I C AT I O

Here’s What The Institute for HealthCare Consumerism’s CHCC Designees Are Saying About Their New Credentials…

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Kelly Boreas, CHCC AVP, Healthcare Services and Sr. Account Executive UMB Bank My background in insurance and benefits has led to my belief that information creates empowerment, knowledge creates engagement and engagement promotes choice and better health care decisionmaking. The CHCC designation validates my understanding relative to the issues, behaviors and regulations that are currently driving the future of health care. I highly recommend obtaining CHCC designation for anyone dealing with healthcare benefits.

John Young, CHCC Chief Executive Officer Consumerdriven, LLC With the large numbers of people selecting HSAs in private exchanges, exchange expertise requires consumerism expertise. The CHCC designation validates a knowledge of consumer-driven health care today, and a commitment to the next generations of consumerism.

Lift Your Career In The Ever-Changing Health And Benefit Management Industry.

Earn Your Certified in HealthCare Consumerism (CHCC) Designation Now. Learn More at www.theihcc.com/university/certification

GENERAL SESSIONS OPENING GENERAL SESSION Tuesday, March 31, 2015 2:00 to 3:00 p.m.

Private Exchanges: What’s Working, What’s Not and What Lies Ahead An expert panel of consultants, advisors and administrators deliberate on the current state of private exchanges and what is to come.

With a year or more in the rear view mirror since the new energy behind private exchanges shifted to the servicing of active employees, there is still quite a bit of uncertainty about the future of private exchanges. To a large degree, what lies ahead depends on how exchanges — both private and public — perform over the next few years.

On the one hand, several of the largest employers (Sears, Walgreens, Darden and others) have signed up with leading exchange operators. According to Forbes, Accenture, Goldman Sachs, William Blair and other firms predict enrollment on private health insurance exchanges could outpace enrollment on public exchanges by 2018. Other experts are more cautious, saying private exchanges for active employees have yet to prove their bottom-line value to employers. In a PwC and Private Exchange Evaluation Consortium (PEEC) survey, both sides are confirmed.

Almost half of employers say they will consider private exchanges for their full-time employees, but less than 25 percent believe they will save money doing so.

Come hear this keynote panel discuss what’s working, what’s not, and what lies ahead.

The audience will gain overview of the various models, how they “fit” for different workforces and future predictions on the private exchange marketplace.

Moderator: Doug Field, CEO, The Institute for HealthCare Consumerism Panelists: Paul Rogers, President & COO, Pacific Resources; Bruce Sammis, CEO, Lockton Dunning Benefits; Barbara Gniewek, Principal, GHRS, PricewaterhouseCoopers, J. Scott Brown, Private Exchange Offering Lead, Accenture

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GENERAL SESSIONS AFTERNOON GENERAL SESSION Tuesday, March 31, 2015 3:15 to 4:15 p.m.

Understanding Private Exchange Models and Platform Options A panel of private exchange executives explain the range of models, platforms and funding options available.

Employers see private health insurance exchanges as a real option and as perhaps the clearest path to accomplishing several of their primary goals as it relates to health care and employee benefits — cutting health care costs internally, reducing administrative burden, improving choices provided to employees covered under the company health plan(s), increasing access to coverage for those employees not currently under a company plan and maintaining valid options for active and retired employees.

Yet, employers state key questions remain unanswered. With so many options in the market, what is the right solution for an employer like us?

This panel of exchange platform providers is prepared to offer some suggestions.

They will overview the leading models of exchanges (starting with public vs. private, individual vs. group, active vs. retiree and more), point out key features and capabilities of each and address many key considerations for employers selecting a private exchange, including the defined contribution approach, fully-insured vs selfinsured, single carrier vs. multi-carrier and HRA vs. HSA. If your company is one of the 45 percent of employers that say they are considering private exchanges for their full-time employees before 2018, you don’t want to miss this session.

Moderator: Barbara Gniewek, Principal, GHRS, PricewaterhouseCoopers Panelists: Rob Butler, CEO, Maestro Health; Robert Steele, Chief Sales and Marketing Officer, Quadrant 4 Health; Eugene Sayan, Chairman, CEO, & President, Softheon; Shandon Fowler, Director of Product Management for Marketplaces, Benefitfocus

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GENERAL SESSIONS CLOSING GENERAL SESSION Tuesday, March 31, 2015 4:30 – 5:45 p.m.

What Defined Contribution and Private Exchange Solutions Are Leading Brokers/Consultants Offering Their Clients?

A panel of experts from the nation’s leading brokers and consultants divulge their recommendations on private exchanges.

Employer-sponsored health insurance is on the cusp of a major evolution. Substantial inflation in health care costs over the past six decades has finally created serious consideration for shifting from a defined benefit approach by employers to a defined contribution model for employees.

Enabled by the emergence of private exchanges, employer-funded defined contribution allows for better cost management through dollar limits on future coverage. Employees use that money plus their own contributions to purchase insurance from carriers on the exchange their employer has selected, while enjoying the privileges of greater choice, flexibility and a retail-like shopping experience.

Numerous private exchange models can be involved in delivering this defined contribution approach, including: single-carrier exchanges (which are run by insurers and offer only the sponsoring insurer’s plans), multi-carrier exchanges (which are run by third parties and include numerous plan design options from multiple insurers) and exchanges that take advantage of cafeteria plan rules and allow employees to pay their share of the premium on a pre-tax basis.

Though there is no single, dominate model yet today, developments in technology and advances in employee choice will certainly speed the shift from the current businessto-employer model to a business-to-consumer approach. This expert panel will share their thoughts on the models, the shift and more.

Moderator: John Young, CHCC, CEO, Consumerdriven, LLC, and Conference Co-Chair Panelists: Eric Grossman, Senior Partner, Marketplace Active Exchange, Mercer; Sherri Bockhorst, Principal and National Practice Leader, Health Exchange Solutions, Buck Consultants; Eric McMurray, Managing Director, Client Development – Exchange Solutions, Towers Watson; J.T. Thompson, Active Exchange Executive, Aon Hewitt

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THANK YOU CO-CHAIRS John Young, CHCC Chief Executive Officer Consumerdriven, LLC John Young is the CEO of Consumerdriven, LLC, an organization devoted to improving consumer-driven health plan strategies and the customer experience through all stakeholders: health plans, employers, benefit advisors, policy makers, banks, physicians and hospitals. Prior to this, John was senior vice president of consumerism for Cigna. In December 2012, John received the John J. Robbins Senior Memorial HealthCare Consumerism Leadership Award from The Institute of HealthCare Consumerism. John has 27 years of employee benefits industry experience with more than 12 years devoted to consumer-driven health care. In 2000, he was a founder of Consumer Driven Marketing, which served as the mid-market distribution system for Definity Health.

Ernie Harris, NPDP Executive VP of Exchange Solutions Maestro Health Ernie Harris is the executive vice president of Exchange Solutions for Maestro Health. Prior to joining Maestro, Ernie served as the general manager for Alegeus Technologies’ exchange business unit. Over the course of his career, Ernie has been at the heart of transformation in several industries. In 1995, while at Baltimore Gas & Electric, he built one of the first turnkey managed desktop solutions responsible for maintaining more than 10,000 nodes. During the early 2000s, Ernie worked with TDAmeritrade to build one of the first global real-time data streaming services capable of distributing trillions of messages to millions of users concurrently.

Today, Ernie divides his time between evangelizing the virtues of the online benefits marketplace to insurers, brokers, TPAs, employers and individuals and working with those same constituents to define and deploy an industry leading solution that meets the needs of all in a single platform. __________________________________________________________________

THANK YOU, STAFF! Brent Macy, Managing Director Andrew Dietz, Chief Marketing Officer Dusty Rhodes, Director of Education Karen Raudabaugh, Events Manager Rogers Beasley, Director of Corporate Membership Ted Arvan, Account Executive Joni Lipson, Director of Partnerships & Alliances Michelle Gatehouse, Business Development Tim Hemendinger, Web Developer

Kellie Frissell, Art Director Erica LaSalle, Sales & Marketing Coordinator Heather Loveridge, Senior Editor Jonathan Field, Managing Editor A SPECIAL THANK YOU TO ALL OF OUR MODERATORS THAT HAVE DEDICATED THEIR TIME AND HELP TO MAKE OUR CONFERENCE A SUCCESS!

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GENERAL SESSIONS OPENING GENERAL SESSION Wednesday, April, 1 2015 8:30 to 9:45 a.m.

Leading Health Plans Reveal Product Strategies for Their Own Exchange Solutions (And Inside Other Exchanges) A panel of experts from leading health plans disclose the guidelines for selecting one of the various exchange options.

Health insurance exchanges can be a significant market opportunity for health plans that better prepare strategically for the uncertain ways that the market may evolve.

Those that understand the exchange models that may emerge and develop a strategic response that is flexible will have a definite advantage. Proper strategies must carefully evaluate potential markets to enter and identify capabilities needed and associated investments required.

To compete, health plans will need to develop products that are viable from a network, price and brand perspective. By adopting more efficient, lower cost platforms, health plans can increase their price competitiveness, play to their product strengths and potentially gain long-term strategic advantage.

Come hear what each of these health plan executives are considering as strategic guidelines, including: internal price drivers, external factors influencing market entry, competitive positioning, specific product offerings and attractive, potential market segments. Then, discover some important considerations when choosing a private exchange solution, including how consumer-directed benefits accounts can drive enrollment behavior for individuals in the exchange and how important it is for exchange participants to have a one vendor solution.

Moderator: Jody L. Dietel, AFCFCI, CAS, Chief Compliance Officer, WageWorks, Inc. Panelists: Lisa Feddema, Director, Exchange Management, BCBS of Illinois, Montana, New Mexico, Oklahoma and Texas; Patty Fontneau, President, Private Exchange Business, Cigna; John V. Caldarella, Vice President, Strategic Partnerships and Distribution, Aetna; John Mills, Senior Director of Commercial Products, UPMC Health Plan __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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GENERAL SESSIONS MID-MORNING GENERAL SESSION Wednesday, April 1, 2015 10:00 to 11:00 a.m.

Defined Contribution Health Care: Why Do It, How to Do It and What to Do in Renewal Years An employer, a consultant/exchange provider and a technology solution provider discuss their experiences with defined contribution health care and private exchanges.

The defined contribution concept remains confusing to many employee benefit professionals. Yet, defined contribution is a very important development in employee benefits. Why? Improving health is maximized with account-based plans, and account-based plans are adopted much more frequently with defined contribution strategies in private exchanges.

The bottom line: defined contribution does much more than merely helping employers budget for health care and other benefits. It builds better consumers — and better health. However, although popular in concept, it is estimated defined contribution health care is implemented in only 20 percent of actual implemented private exchanges. Why? Because there is a fair amount of confusion regarding what it is and how it works.

And, since the adoption and implementation of anything innovative goes hand-inhand with a solid understanding and trust in that innovation, confusion is one of the factors creating a hesitation with employers to initiate a defined contribution strategy.

This session will unscramble the eggs of defined contribution. The audience will learn what it is; what it looks like; how to do it; and how renewal years are treated.

Moderator: John Young, CHCC, CEO, Consumerdriven, LLC, and Conference Co-Chair Panelists: Nitra LaGrander, Vice President of Strategic Markets, Evolution1; Barb Vasko, Vice President, Aon Hewitt; Michelle Murray, Manager of Benefits, Tennant Company __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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GENERAL SESSIONS AFTERNOON GENERAL SESSION Wednesday, April 1, 2015 1:45 to 2:45 p.m.

Providing the Right Consumer Experience: The Value and Importance of Building the Complete Exchange Solution for Employees A panel of leading experts share advice for better engaging, educating and communicating with employees.

This session will go well beyond basic plan design: panelists will address what is required to deliver a complete exchange solution and will delve into understanding the new employee-consumer. The session will define and discuss the consumer experience and the importance of delivering on its promises, the significance of proper employee education and more. Advice will be offered on topics such as health management, alternative care solutions, consumer decision support, price/quality transparency and more.

During this informative session, the audience will learn how exchanges can expand consumer choices beyond insurance options; the breadth of information exchanges can provide (including tools for financial management and treatment comparisons); and how some exchanges will focus on managing the health of populations they serve.

Moderator & Lead Speaker: Dr. Wendy Lynch, Founder, Lynch Consulting. Research Fellow, Altarum Center for Consumer Choice in Health Care Panelists: Barbara Boudreau, Senior Vice President of Member Experience, ConnectYourCare; Dr. Bruce Sherman, MD, FCCP, FACOEM, Medical Director, Population Health Management Health Exchange Solutions, Xerox; Robin Gelburd, President, FAIR Health; and Marc Salinas, Senior Vice President, Optum Market __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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© 2015 Optum, Inc.

HEALTHIER

ISN’T JUST A FEELING FOR US, IT’S A

MISSION HEALTHIER IS HERE At Optum, Healthier goes way beyond a feeling.

Quite simply, it’s our passion and our purpose.

By combining expertise and technology with data and analytics, we power modern health care like no one else. Our insights quickly lead to better outcomes for hospitals, doctors, pharmacies, health plans, employers and the millions of lives they touch. Which, come to think of it, is a pretty good feeling as well. optum.com

GENERAL SESSIONS CLOSING GENERAL SESSION Wednesday, April 1, 2015 4:30 to 5:30 p.m.

Perspectives from Leading Employers That Have Implemented Defined Contribution and Private Exchanges A panel of experts from leading employers share their lessons learned as early adopters and articulate strategies for what they see next.

The adoption of private exchanges represents perhaps the most significant shift in how Americans purchase health insurance in more than a generation. Come take advantage of this unique opportunity to learn from the early adopters; each panelist has much to share with our audience about the strategic thinking, evaluation proceedings, decision leanings and implementation teachings behind private exchange adoption.

Come hear how each of these employers addressed the major tasks associated with selecting and implementing an exchange solution for their employee population.

Gain some tips to designing and building an informative and interactive website for consumers; negotiating affordable insurance products that meet the employees’ desires; establishing a consumer service center, conducting an education and communication campaign and more.

Moderator: Marianne Fazen, PhD, Executive Director, Dallas-Fort Worth Business Group on Health Panelists: Joseph Scudiero, Senior Vice President and Chief Labor Counsel, Entertainment Partners; Leslie Vander Gheynst, Director of HR/Recruiting, Keller Williams Realty, Inc.; Michelle Murray, Manager of Benefits, Tennant; Brian R. Dickerson, Director, Human Resources, City of Fort Worth __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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Easy

Easy. Enrollment to Payment.

Our Advanced Billing and Payment platform provides decision supported enrollment technology and intelligent back-end billing and payment processing— for one, completely integrated and streamlined solution for carriers. Build your private exchange with widespread product choice and ease the administrative burden for employers.

To learn more, visit us at Booth 114 or visit www.benaissance.com/lp/advanced-billing-payment.

Vist us at

BOOTH 114

WORKSHOP 101 LEARN SESSION 101 Providing the Right Benefit Mix in Your Exchange: Supplemental Health, Voluntary Benefits and More In this session, panelists will discuss the considerations for and against adding supplemental benefits to the product mix when implementing a private exchange. Arguably, there are pros and cons.

The Pros: a private exchange is a great mechanism for incorporating voluntary benefits and can increase participation rates; an exchange allows employees to consider all benefits at once as they enroll, and allows employers to optimize benefits communications into one package; and as private exchanges mature, employer and employee demand will determine the benefits offered.

The Cons: numerous ancillary or voluntary options complicates the enrollment process; and an exchange’s ancillary products requires added decision-making time for employees.

The audience will gain new insights into these and many other questions relating to the right benefit mix when contemplating a private exchange. Panelists will discuss separate considerations for employers, exchange solution providers, brokers and consultants.

Moderator: Rick A. Strater, Division VP & National Exchange Practice Leader, Arthur J. Gallagher & Co. Panelists: Brian Latkowski, Executive Vice President Global Sales, New Benefits; JoAnne K. Novak, AVP Business Development, Hartville Pet Insurance Group/ASPCA Pet Health Insurance; Thomas Dimmer, Vice President – Business Development, Individual Markets & Exchanges, Renaissance Dental, Renaissance Life & Health Insurance Company of America; and Mark Parabicoli, Managing Director for Exchanges, ARAG Group __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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WORKSHOP 102 CONNECT SESSION 102 Private Exchange Trends and Strategies for Retirees Several consultants have established private exchanges aimed mainly at companies ending company-provided retiree benefits, and a recent survey of 595 companies conducted by Towers Watson and the National Business Group on Health found that nearly two-thirds of those employers are likely to eliminate the retiree health plan they offer today soon and steer their preMedicare retiree population to the public exchanges.

The shifting to facilitate coverage for retirees through a private exchange is not new. The private exchange strategy originated with Medicare-eligible retirees to offer a wider choice of health plans. Yet it appeals to employers for several additional reasons: to help retirees understand plan choices available; to facilitate enrollment into the plan; to control their future retiree health care costs; to eliminate consulting cost; to gain administrative savings due to outsourcing; and to limit their reported liabilities because of the shift to a defined contribution approach.

Come hear expert panelists as they discuss the latest trends and strategies for providing retiree benefits via a private exchange.

Moderator: Christopher E. Condeluci, Principal, CC Law & Policy PLLC Panelists: Patrick Burke, Vice President, Health Exchange Solutions & Strategies, Aon Hewitt; Rob Harkins, Practice Leader, Private Exchanges, Willis; John Mills, Senior Director of Commercial Products, UPMC Health Plan

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WORKSHOP 103 SHARE SESSION 103 Engagement and Decision Support Considerations for Private Exchanges In a 2013 Accenture survey of 2,000 consumers, 87 percent of respondents said that decisionsupport tools were an important feature of a private exchange, and a majority identified this as a critical feature. Consumers are asking for help in making the right health care decisions, and if private exchanges are to deliver on their promises, they will need to offer highly personalized experiences with data-driven insights that help consumers find the best-fit health plan and voluntary benefits for their lifestyle. Private exchanges mean greater choice for consumers, but many employees — already uncomfortable with benefits enrollment — will get lost in the array of options without some help.

Providing employees with tailored choices, rooted in strong analytic capabilities, is essential for the success of private exchanges. In this session, hear from panelists on how to drive employee engagement through the right set of decision-support tools in a private exchange. The audience will learn how decision-support tools are evolving as private exchanges develop more robust functionality, discover new ways web technologies are engaging consumers using data analytics to tailor the consumer experience and hear how on-demand education, videos and animations address the consumer learning curve and enhance understanding of benefits.

Moderator: Terry McCorvie, President, Select Projects Consulting Panelists: Paul Smith, Chief Strategy Officer, CodeBaby; Cindy Nanasi, PMP, Senior Director, Project Management and OTS, CareFirst BlueCross BlueShield; Shandon Fowler, Director of Product Management for Marketplaces, Benefitfocus; Robert P. Poli, CBC, President and Chief Operating Officer, Insurance Marketing Center __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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WORKSHOPS 102

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WORKSHOP 104 SHARE SESSION 104 Optimizing Employee and Employer Needs in a Private Exchange – From Enrollment to Premium Billing Private exchanges enable employees to shop for a wide range of benefits simply unattainable under the traditional model, an employer-selected set of benefits attempting to fit all employees.

While the enrollment, shopping and selection experience of private exchanges continue to become more employee friendly, vast product selection by employees has created administrative burdens for employers. These burdens – just now becoming apparent – include increased billing management, billing reconciliation and payment challenges. From bill and payment consolidation to defined contribution and split billing, change and opportunities are abundant.

Benaissance and Array Health enable health plans to provide everything an employer needs for user-friendly enrollment, billing and payment processing, in one agile and streamlined cloudbased solution.

In this informative session you will learn how online enrollment streamlines plan selection and eases complications that come from offering employees greater product choice; the advantages of easy administration when front-end enrollment systems are fully integrated with premium billing and payment acceptance capabilities; and key questions you should be asking your broker or carrier when considering an exchange.

Moderator: Doug Field, CEO and Founder, The Institute for HealthCare Consumerism Speakers: Brian Ridder, Vice President, Business Development, Benaissance, and Lance Hood, Senior Director, Marketing, Array Health __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________ __________________________________________________________________

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WORKSHOP 201 LEARN SESSION 201 Private Exchange Compliance 101 The health care landscape has grown monumentally complex in the past several years, and it’s about to get even worse in the coming months. This session will give brokers, consultants and employers (both large and small) an overview of various private exchange and defined contribution funding options and how the Affordable Care Act affects them. In this regard, what exactly is a private exchange, and why do I (and my employees or clients) want one?

On the docket for this session: • Defined contribution approaches for health care and how the Affordable Care Act affects them • Impact of ACA limitations on health reimbursement arrangements (HRAs) on private exchange arrangements • Differences between private exchanges that utilize group coverage (and a slice approach) and individual coverage options Workshop attendees are invited to bring questions.

Moderator: Jody L. Dietel, AFCFCI, CAS, Chief Compliance Officer, WageWorks, Inc. Speaker: John Hickman, Partner, Alston + Bird LLP

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WORKSHOP 202 CONNECT SESSION 202 Best Fit Exchange Solutions for Mid-Market Employers Today’s health insurance exchanges are designed to enhance the experience and add significant worth to the overall process of formulating and managing a benefits plan — for both the employer and their employees. Yet, with all the exchange models being offered, platform options to consider, provider sources to evaluate and consulting advice to decipher, how can a midmarket employer arrive at the best-fit solution?

Private exchanges are businesses that utilize technology to offer more benefit plan choices to employees from more insurance companies at various price points. They help employers enjoy reductions in time and money spent on health care administration and help cap the employer’s benefit coverage through a defined contribution approach. And private exchanges empower employees. They render the decision-making process simpler and more transparent through decision-support features that offer guidance, making plans comparison easier.

Come hear this panel deliberate on the capabilities of health insurance exchanges, the value of exchanges to employees and employers alike and the recommendations for best-fit solutions for mid-sized employers and their employee population.

Moderator: Mike Smith, Director of Exchange Solutions, Lockton Benefit Group Panelists: Bob Gaydos, Vice President, Strategic Partnerships, Maxwell Health; Rick A. Strater, Division VP & National Exchange Practice Leader, Arthur J. Gallagher & Co.; Girish Panicker, CEO, BenefitAlign; and George Reese, CEO, Employee Navigator

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WORKSHOP 203 SHARE SESSION 203 The Game-Winning Combination of HSAs and Private Exchanges This session explores the synergy between private exchanges and health savings accounts (HSAs). The session will open with facts and challenges from a white paper by the same name written by the moderator of this session, Todd Berkley, and its co-author and conference cochair, John Young. The moderator will focus on the remarkable natural link between HSAs and private exchanges and how effort to integrate HSA accounts into private exchange offerings can add value and create stickiness for exchange providers.

The session will then shift its attention to its panelists, as they describe their early experiences integrating HSA know-how into their exchange offerings. Join us as some of the early pioneers of this “game-changing combination� share their successes and generally set a vision for what could be a very powerful partnership going forward for employers.

The audience will learn to understand the powerful emerging combination of HSA and private exchanges, incorporate HSA account education and sign-up to enhance the private exchange experience and observe how successful early partnerships have been formed to the mutual benefit of both HSA and private exchange vendors.

Moderator: Todd Berkley, President, HSA Consulting Services, LLC Panelists: David Urbaniak, Product Manager, Evolution1; Gregg Larson, Senior Vice President and Managing Director, Healthcare Consumerism, Xerox HR Solutions; David Cantu, VP, Marketing, Sales & Public Relations, SelectAccount

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WORKSHOP 204 SHARE SESSION 204 The Importance of Integrating Health Management and Private Exchange Models It is no secret employers are looking to their benefits consultants and brokers for solutions that drive out costs via private exchanges. At the same time, managing employee health and wellness has become increasingly important — as population health continues to decline. Employers are beginning to shift from just providing wellness programs, services and resources to creating a work environment and culture that makes being at one’s optimal health easy to incorporate into the daily work life. Through engagement, their goal is total population health.

Hearing the market, the major consultants are beginning to design their private exchange models and consulting approaches to help clients consider the opportunities of advancing consumerism and implementing defined contribution methods. Willis is more specific, saying “our differentiation lies in our integrated health management capability aimed at addressing medical utilization trends.”

The trend is clear — successful private exchange models will promote healthy behavior and deliver diverse lifestyle needs for employees while providing cost reduction and better employee productivity for employers. Come hear the experts fill in the details on what is ahead!

Moderator: Ernie Harris, NPDP, EVP of Exchange Solutions, Maestro Healthcare Technology Panelists: Grant Hoffman, VP and GM of Private Exchanges, Connecture; Rob Harkins, Practice Leader, Private Exchanges, Willis; TBA Executive,, Interactive Health, Inc.; Marc Salinas, Senior Vice President, Optum Market

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THE IHC GAME

PRIVATE EXCHANGE CONNECTIONS Visit all of the exhibitors and learn about the different solutions in defined contribution and private exchanges. Don’t forget to get your game sheet stamped on the logo’s below. After the game sheet is completed, tear the sheet out, fill out your contact information on the back and drop off at the registration desk before Wednesday, April 1st 12:00 noon. Drawing to take place in the Main Ballroom at 4:00 pm on Wednesday, April 1st. Must be present to WIN!

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THE IHC GAME PRIVATE EXCHANGE CONNECTIONS We encourage you to visit all of the exhibitors and learn about the different solutions that will help you on your private exchange journey. Don’t forget to get your game sheet stamped for each logo on the previous side of this page. After the game sheet is completed, tear the sheet out, fill out your contact information on the back and drop off at the registration desk before Wednesday, April 1st at 12:00 pm. Drawing to take place at 4:00 pm on Wednesday, April 1st. Must be present to win!

Name ______________________________________________________________________ Address _____________________________________________________________________ Phone ______________________________________________________________________ Email _______________________________________________________________________ Company Name ______________________________________________________________

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HEALTHY BUSINESS STARTS WITH HEALTHY EMPLOYEES Cigna provides a total health solution that starts by improving employee health: > Personalized plans tailored to business needs > Coaching from health improvement specialists > Online wellness tools Together, we can make health care good for business.

“Cigna” and the “Tree of Life” logo are registered service marks, and “Together, all the way.” is a service mark, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. 876780 10/14 © Cigna 2014.

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