2012 FORUM East Workshops

An interactive workshop with Ernie Harris, senior product manager of CDHC solutions for Ceridian U.S. Your consumer-directed health care (CDHC) strategy is only as cost-effective as your employees are engaged. In this workshop, you’ll learn how to form a best-in-class employee engagement strategy that helps you unlock the savings potential of your CDHC program by maximizing participation, encouraging cost-effective spending and improving the health of your workforce. You’ll also have a chance to discuss best practices and top challenges with peers and ask questions that are top-of-mind regarding CDHC employee engagement.

Speaker: Ernie Harris, Senior Product Manager of CDHC solutions for Ceridian and Neisha Strambler-Butler, Manager of Health Benefits, Work Life Programs and HR Administration, Texas Instruments and Chris Hunt, Vice President – Benefits Administration, HSBC.

Most people think about their health benefits in terms of a single year – basing choices on premiums and deductibles, saving money in a tax-advantaged account, earning short-term rewards through wellness programs.

What if you could show them how they could, through better “health and wealth planning” spend less on health care, save more and prepare for a rewarding retirement?

In this workshop, you will learn:

• How to help employees connect being a health care consumer today with their goals for retirement
• How taking advantage of wellness benefits employers has financial benefits for today, tomorrow and into retirement
• How saving strategies today can pay off in a more secure retirement

Health and money are your employees’ two biggest assets. Learn how to help them make the most of both.

Speaker: Todd Berkley, Vice President, Consumer Driven Accounts, OptumHealth

Supplemental Health Benefits (SHB) are playing an increasingly prominent role in helping employees meet their health care needs and contributing to overall financial wellness. In addition to augmenting employers’ core health care programs, SHB programs help to reduce employee health care costs while offering the opportunity for employees to customize their benefits for their particular circumstances. At the same time, SHB programs are making an increasingly positive contribution to employer profitability by reducing companies’ health care costs. Thus, (SHB) provide a win-win for both employees and employers.

Taking off from these underlying advantages of (SHB) programs, this workshop will elaborate on how to successfully implement these programs for the benefit of both employees and employers. Led by Kim Adler, vice president of national accounts for Allstate Benefits (along with other industry leaders), the workshop will discuss: (1) the increasing importance of SHBs for employee financial wellness and (2) how to empower employees to make informed SHB choices and thus mitigate risk. Finally, (3) attendees will hear from prominent national employers on how they are successfully using SHB programs for health care consumerism initiatives.

Speakers: Kim Adler, Vice President of National Accounts for Allstate Benefits and Michael P. Oates, SPHR, CBP, CCP, Chief Human Resources Officer, FIS , Jennifer Kennington, Division Director for Benefits Administration for the State of Georgia and Robert F. Croom, President of Impact Benefit Management Services.

As health exchanges come to fore in 2014, many employers are decreasing or eliminating health benefits and coverage, which spells disaster for controlling health costs and improving health and productivity. This session explains:

• Why it is vital that employers remain paternal providers of health coverage for employees
• How to leverage health benefits to stimulate health behavior change
• How to centralize health and wellness activities that add synergy and momentum

Speaker: R. John Kaegi, Chief Corporate Strategist, Healthstat Inc.

This course broadens the knowledge base of the professional health insurance agent about providing for and financing of health care. The professional health insurance agent will see how to integrate principles of healthcare financing with other integral aspects of the United States health care system: providing of medical care; the attitudes and actions of health care consumers; ideas about health care financing; role of a variety of types of institutions.

Learning Objectives:

1. The professional health insurance agent will gain a broader understanding of the diverse aspects of how health care is consumed, delivered, and paid for in the United States.
2. The professional health insurance agent will be better able help clients to make informed decisions about appropriate health plans and options in the context of the current and anticipated health care reform effort.
3. Armed with new information and a broader understanding of the challenges facing United States’ health care, the professional health insurance agent will be able to advise clients and others in the community as to best practices and wise choices to deliver and pay for quality health care services.

Speaker: Dave Racer, President, Coalition for Healthcare Redesign

In this session, Thomson Reuters thought leader Shane Sumner, MSW, discusses how a more engaged workforce leads to better population health and a more productive workforce. Matthew Collins will then share personalization best practices that maximize engagement around choosing the correct plan during time of enrollment, as well as year-round engagement with personalized communications for gaps-in-care and overdue preventive screenings.

Speaker: Matthew Collins, Director, Product Management, Thomson Reuters and Shane Sumner, Consulting Director, Thomson Reuters.

More and more employers are exploring implementing health management programs with a results based incentive strategy to drive personal responsibility in their employee population. Today the majority of employers are using a carrot type of incentive design based upon participation; rewarding participants by reducing premiums or other cash incentives if they participate in program initiatives. As health care costs continue to rise and employers struggle to justify the existence of a health management program, results based incentive design should be considered to drive personal responsibility and behavior change. As a result of attending this session, you will walk away with tangible examples of results based incentive designs and the tools needed to begin talking about implementing this type of program with senior leaders.

Learning Objectives:

1. Provide an overview of health management program incentive design (participation vs. results based).
2. Understand best practices of implementing a results based incentive design based on employer specific examples.
3. Review of the legal and compliance issues associated with results based incentive design.
4. Understand expected outcomes related to a results based incentive design.
5. Provide a framework employers can use to begin the discussion around whether results based incentive design is appropriate for their organization.

Speaker: Jennifer Sargent, Vice President, myHealthCheck

This workshop will showcase trends and best practices on how employers can use the combined power of technology and services to drive client value and use technology as the catalyst, to tie everything together into a market-ready CDH solution, saving the employer time and money. Clients will share how Acclaris’ holistic formula for CDH account administration enables:

• Unlimited capacity for growth
• Accurate, reliable account delivery
• Increased profitability through new revenue channels
• Efficient workflows for all parties
• Agility to adapt to changing market demands

Speaker: Jim Priebe, Chief Growth Officer, Acclaris, Inc and Rob Banuelos, Senior Vise President, Bank of America Benefit Solutions. Rob is resposible for National Sales and Account Teams for Bank of America.

Many employers are searching for creative ways to attract and retain excellent employees, to reduce health care costs, and to increase employee morale. This session will explore:

• What it means to be “Fit to Lead” at Chick-fil-A and the benefit of aligning leadership training with health initiatives
• Effects of physical exercise on leadership
• The value of senior-leadership visibility and support
• Targeted development programs from Chick-fil-A Wellness that succeed in moving employees to action

Speaker: Elizabeth D. Dixon, Wellness Director, Chick-Fil-A

Employers face an ongoing challenge of managing rising costs and continuing to offer competitive benefits that meet employees’ needs. With the Defined Contribution Health benefits model, employers simply decide the funding model and budget. Employees have access to pre-tax funds to purchase health and other types of insurance, as well as other tax-sheltered plans. The key to success is ensuring employees are given the tools to help them select plans that make the most sense for their unique circumstances. Also, by helping employees take an active role in making decisions and managing costs, these plans are creating a generation of more informed and savvy health consumers. The Defined Contribution Health model is growing in popularity, with high expectations for consumer-centric communication and education, automated processes and selection tools.

Speaker: Jeff Bakke, Chief Strategy Officer, Evolution1 and Joe Donlan, President of ConnectedHealth.

Learn how to make your wellness program work utilizing unique and innovative engagement strategies that are proven. During this work shop you will gain answers to the following questions: How do we engage our employees/membership immediately? How do we keep them engaged on a monthly, quarterly and annual basis? What types of communication tools are effective and in-effective? How can results be measured? What types of incentives really work and how are activities such as exercise and nutrition monitored?

Speaker: Don Doster, President, CEO, gBehavior and Mark Mixer, Vice President, Marketing, Alliant Health Plans

How can you establish a culture that gets employees involved in managing health care delivery choices? Learn how Castlight Health and Life Technologies partnered together to engage employees in the health care conversation and drive consumerism.

Speakers: Carole Mendoza, Director, Benefits at Life Technologies and Ethan Prater, Vice President of Product Marketing at Castlight Health

Too many brokers, employers and employees view consumer-directed health plans (CDHPs) as simply low-premium, high out-of-pocket cost alternatives to traditional compressive health plans, that only benefit young healthy participants. Review actual case studies of employers implementation of CDHC and look behind the scenes of hos employers across the country are creating CDHPs that meet budget requirements but still provide attractive plan options to employees.

Speaker: Dan Morrill, CDHC Specialist, Co-Founder, President, Dynamis

This workshop will focus on the future design of Consumer-directed accounts, including Health Reimbursement Arrangements, Health Flexible Spending Accounts and Employer contributions to Health Savings Account in a post-Affordable Care Act world that demands greater consumer engagement to improve health status. Wellness incentives, defined contribution HRAs to purchase private exchange coverage and employer contributions to Health FSAs will be discussed.

Speaker: Jody L. Dietel, CFCI, Chief Compliance Officer, WageWorks, Inc.

As employers, consumers, and the health care community at large grapple with skyrocketing costs, the impact of health insurance reform, and the shift to greater consumer participation—both in payment and decision making—everyone is looking for the “next big thing” that will speak to some of the challenges. This session will look at several emerging areas of consumerism, including personal health investment and health exchanges, HDHPs, and HSAs. Attendees will come away with a clearer understanding of the issues and trends that will affect benefit program design over the next five years and how technology ties the industry together in critically meaningful ways.

Speakers: Bob Borneman, VP of Healthcare Product Development, TSYS Healthcare and Ralph Bernstein, SVP, Healthcare Payment Solutions, U.S. Bank

As a benefits strategy, value-based insurance design (VBID) is being implemented for an expanding range of health care services. Recent studies of the clinical and financial outcomes of chiropractic services for neck and low back pain justify serious consideration for inclusion of this treatment approach in a VBID strategy. For these two conditions, chiropractic treatment has the potential to generate comparable outcomes relative to medical therapy, with the potential for minimizing surgical intervention and promoting functional recovery. This session will provide the evidence to support consideration of chiropractic treatment as a component of a VBID strategy at the employer, health plan and individual levels.

Speaker: Dr. Bruce Sherman, MD, FCCP, FACOEM and Medical Director, Employers Health Coalition

Medicare A and B, with a supplement, can be shopped through Transitions RBG, a portal with the aid of a social worker or teacher bringing lower cost and benefit to retirees. There is no longer a need to offer group retiree plans. Did you know you can transition the retirees to an individual plan and the employer can still pay for benefits through an HRA attached to the plan document? What does this accomplish? This saves money for the employer, as the experience is transferred to the medicare claims pool; retiree gets more bang for their buck and really learns which options are available; and if the plan is a trust – through education of the union reps and the members, the trust dollars will last longer if they fund through an HRA and move the retirees off a group product and into an individual model. Once 2014 hits there will be more clarity on PPACA, mid to small sized groups will be in excellent shape, plus more…

Speaker: Kate Crouch, Founder, Health and Welfare Benefit Services

While the coming years will bring even more changes to the American health insurance market, the requirement that employers offer continuation of group health care coverage for terminated employees (or any other Qualifying Event), as required by the Consolidated Omnibus Budget Reconciliation Act of 1985(COBRA) will not. To remain compliant, smart employers will outsource their COBRA administration to knowledgeable vendors with advanced tracking software. Insurance brokers looking to diversify their offerings in the face of market instability would be wise to consider offering COBRA administration as a source of steady revenue and stickiness to current and future clients.

Speaker: Todd Eason, COBRA Product Specialist, DataPath Inc. a Software Solutions for Benefit Plans

Are your employees suffering from benefits bewilderment? Are you nervous about rolling out a new plan? This workshop will illuminate ways to dramatically improve your benefits communication, leaving employees smarter about their benefits and more appreciative of you (as they should be, right? Right!). Through simple exercises and real-world examples, you will learn to banish confusion and apathy from open enrollment, excite new hires and win the beaming admiration of your leadership.

Speaker: Harry Gottlieb, Founder, The Jellyvision Lab, Inc.

This workshop will focus on trends used to determine why self-funding benefits will work for your organization. This workshop answers questions such as why purchase stop-loss coverage, and touches on trends like creating your won benefits plan without dealing with state regulations; choosing the PPO network that works best for employees thanks to network discounts; lowering costs with no premium taxes; owning your own claims data and audit your contracted vendors to avoid overpayments; and offering a wellness benefit to include a health risk assessment to lower claims costs.

Speaker: Karen Hunt, Vice President, Paragon and Daniel L. Cottrell, VP, CIGNA Payer Solutions

Small group employers are finding it increasingly difficult to provide group coverage to their employees. The costs of group insurance is made much more expensive than individual health insurance for several reasons including federal and state mandates more onerous in the group market. In addition to the high costs minimum funding requirements and participation requirements make offering group insurance especially difficult for employers. There is an alternative option for employers—defined contribution plans. When don’t correctly and in compliance the benefits for employers, employees, and brokers are numerous. Technology solutions such as Private Exchanges will equip brokers to walk their clients through this paradigm shift that is occurring.

Speaker: Josh Hilgers, President, Health Partners America

This workshop reviews Monocle’s proprietary tool calculating employer savings and ROI from synergies of CDHPs and price transparency. Just fill in a dozen assumptions in Monocle’s worksheet and see in table and graph form: ROI, savings and premium impact. Refine assumptions repeatedly to see their impact in this interactive exercise. It’s fast, easy, accurate—making a compelling case for employees and the C-suite.

Speaker: Michael Cadger, Founder and CEO of Monocle Health Data

Account-based health designs after ten years are becoming more and more about adopting strategy that innovation in local health financing markets. Ten years of solid innovation has created an employer-consumer toolkit that is years ahead of the curve. This means that adoption will depend on broader system-wide ‘consumer-designed’ technology trends like telecommunications, telemedicine and banking technology. This session will describe why market adoption is the goal of consumer-designed health benefits markets, and how “CDH Tech” may assist with the adoption curve by supporting broader changes.

• Why and how innovation is far exceeding adoption in 2012
• Why more innovation can sometimes be a bad thing for adoption
• How to achieve the goal of ‘total market adoption’ nationwide
• The five categoies of ‘health tech’ that could drive adoption

Speaker: William Boyles, Founder, Publisher, Interpro Publications Inc.

It is a business imperative that employers update their CDHP strategy to address the realities of continued escalating costs and healthcare reform. This workshop will have a large manufacturing employer discuss how their organization is migrating to total replacement CDHP, and their actuarial consultant will overview how employers are updating their CDHP/health management strategies to effectively integrate powerful new network, care management, PCMH and other innovative cost savings components.

Speaker: Tony Holmes, FSA, MAAA, FCA, Mercer Health and Benefits LLC., and Eddie Reeves SPHR, CBP, CCP, Director, Human Resources Operations, Shaw Industries Inc.