independent | local | not-for-profit | community-focused the path forward bcbsvt’s response to...
Post on 25-Dec-2015
214 Views
Preview:
TRANSCRIPT
Independent | Local | Not-for-Profit | Community-Focused
The Path ForwardBCBSVT’s Response to Extraordinary Times
Independent | Local | Not-for-Profit | Community-Focused
Introduction
Catherine Hamilton, Ph. D.Vice President of Planning
Independent | Local | Not-for-Profit | Community-Focused
To discuss:
How the Exchange impacts
Vermonters
How to help Vermonters through the
transition
Q & A
Overview:
3
Independent | Local | Not-for-Profit | Community-Focused
Information about:• Why BCBSVT is launching a retail campaign• Introduction to the changes in Vermont’s health care landscape as the
result of the Affordable Care Act • Information about what BCBSVT will provide to businesses and consumers
o Information o Decision supporto Timing of activities and how to stay connected
o New and improved offerings for large groups
Today’s Objectives
4
Independent | Local | Not-for-Profit | Community-Focused
• Extraordinary times and the unprecedented changes facing Vermonterso Largest transition of consumers and businesses in our historyo Vermont’s Exchange only model
• Our Missiono To always put members’ experience first
• The Challengeo Guide Vermonters’ understanding of changes and impactso Successfully transition thousands of Vermonters to new products and
the Exchangeo Respond to our customers –who asked for help
Why Are We Here?
5
Independent | Local | Not-for-Profit | Community-Focused
Extraordinary Times for Small Businesses and Individuals
• Direct to consumeroConsumer choice
• Standardized products and benefits• Online portal administered by state• Mandatory for individuals
6
Independent | Local | Not-for-Profit | Community-Focused
Extraordinary Times for Small Businesses and Individuals
89% of Consumers Will Be New to Purchasing
Three in four Vermonters unaware of the Exchange
7
Independent | Local | Not-for-Profit | Community-Focused
Extraordinary Times for Small Businesses and Individuals
8
Independent | Local | Not-for-Profit | Community-Focused
• BCBSVT customers asked us to help build understanding and guide transition
• Comprehensive retail campaign• 17 different operating plans --- repurposing staff
o New media campaigno Comprehensive outreach, phone support, new websiteo New product offerings
Responding to the Challenge
9
Independent | Local | Not-for-Profit | Community-Focused
Why are we here today?
How the Exchange impacts
Vermonters
Helping Vermonters through the Transition
Q & AClosing
Thoughts
10
Independent | Local | Not-for-Profit | Community-Focused
What Change is Coming and Who’s Affected?
What:• An online Exchange marketplace
for comparing and purchasing health insurance
Who:• All individual consumers and small
businesses under 51 employees
11
Independent | Local | Not-for-Profit | Community-Focused
When Does this Change Happen?
October 1, 2013
January 1, 2014
March 31, 2014
Open enrollment
begins
Policy year begins (upon renewal for
groups)
Open enrollment
ends (individuals)
12
Independent | Local | Not-for-Profit | Community-Focused
• Deductibles/cost sharing: 9 standard product designs• Covered Benefits: Essential Health Benefits
o State recommended BCBSVT benefits as basiso Pediatric, dental and vision
What Are the Product Choices?
0%
20%
40%
60%
80%
100%
Bronze Silver Gold Platinum
$ out of pocket
13
Independent | Local | Not-for-Profit | Community-Focused
Small Business(<51) Impacts
What Stays the Same:
• Voluntary to offer insuranceo No Penalties
• Health plans issue products• Select contribution level• Small business tax credits available• Can hire a broker
What Changes:
• Employees face tax penalties if uninsured
• Employees can choose among health plans
• Products are standardized• Use the Exchange website to enroll
and pay premium• Broker fees cannot be part of
the premium
14
Independent | Local | Not-for-Profit | Community-Focused
Small Group Employer Decisions
Keep
my
cove
rage
? Drop m
y coverage?
1. Plan design/contribution level? 2. Small business tax credit?3. Employee plan/product
choices?4. Broker?
1. What options do my employees have?
2. Increase wages?3. Tax implications? 4. HR implications?
15
Independent | Local | Not-for-Profit | Community-Focused
Individual Consumer Impacts (not covered by employer)
What stays the same:
• Health plans issue products• Premiums not tax deductible
expense
What changes:
• Uninsured face tax penalties• Subsidies available if
income eligible• Products are standardized• Use the Exchange website to
enroll and pay premium• Catamount goes away
16
Independent | Local | Not-for-Profit | Community-Focused
Large Employer Impacts
What stays the same:
Can purchase from a health plan Enroll with health plans Pay premium directly to
health plans Brokers fees part of the premium Premium still tax deductible
expense
What changes:
• Will face tax penalties if they don’t offer insurance
• Coverage must be credible
17
Independent | Local | Not-for-Profit | Community-Focused
Why are we here today?
How Exchange impacts
Vermonters
Helping Vermonters through the Transition
Q & AClosing
Thoughts
Overview
18
Independent | Local | Not-for-Profit | Community-Focused
• Guide Vermonters through the transition to the Exchange
• Be there when you need us• Deepen relationships with
consumers• Optimize the member experience
Comprehensive outreach campaign
Best products at the best price
Great member experience
Our Commitment
19
Independent | Local | Not-for-Profit | Community-Focused
BCBSVT outreach campaign
Media
Community events
Community meetings
Business meetings
Webinars
Phone support
Website
Satellite office
How Will We Carry Out our Commitment?
20
Independent | Local | Not-for-Profit | Community-Focused
• BCBSVT coverage consultants will work face to face, by phone or web
• Brochures, videos and webinars• A toolkit for decision-making• On site information sessions• HRA/HSA packages that provide an easy way for employers to
continue to fund health coverage• Outreach to individual employees of companies that are
dropping coverage
What Services We Will Provide to Small Businesses
21
Independent | Local | Not-for-Profit | Community-Focused
Timeline for Supporting Businesses
March – June 2013 July – Sept 2013 Oct 2013 – March 2014
• Assist Employer/ Employeeso Plan choiceo Enrollment
• Assist with decision
• Educate on change• Options • Timing
22
Independent | Local | Not-for-Profit | Community-Focused
Pre-Campaign
Build AwarenessCampaign
Engage Vermonters
Ongoing
Continuous improvement in
consumer experience
How Will We Will Reach Vermonters?
January 2013 – August
• Outreach and education about the
changes
September 2013 – March 2014
• Transition groups and individuals• Open enrollment
• Offer products to market• Decision-support
2014-2016 and beyond
• Ongoing optimization of
consumer experience 23
Independent | Local | Not-for-Profit | Community-Focused
New and Improved Offerings for Large Groups
Joanne ReynoldsSenior Sales Executive
Independent | Local | Not-for-Profit | Community-Focused
Objectives of Client Partnership Program
25
The objective of the Client Partnership Strategy is to create strong lasting relationships with clients. We achieve this by understanding each client’s unique health, wellness, condition management needs and by developing customized solutions to address these needs. The long-term result is a more engaged, healthier, and more productive workforce and highly satisfied employer customers.
Independent | Local | Not-for-Profit | Community-Focused
Client Partnership Program
26
Benefit Design and Financing Consultation Custom Reporting and Data Analytics Advisory Experts Health Advocacy and Clinical Solutions Health Care Reform Worksite Health and Wellness Consumer Engagement
Independent | Local | Not-for-Profit | Community-Focused
27
Accountable Blue
New health and wellness product Team-oriented approach – shared incentives among the health plan,
employer, member and provider Goal is to keep members healthy and manage illness
FLEXIBLE BENEFIT DESIGN
A customized benefit design to support your health and wellness goals
INTEGRATED HEALTH AND WELLNESS
SERVICES
A suite of customized health, wellness, and
care management programs
EMPLOYEE INCENTIVES
Incentives to encourage and reward healthy
behaviors
Independent | Local | Not-for-Profit | Community-Focused
Team Oriented Approach
28
Employer Group• Employee incentives• Health & Wellness programs• Clinical and Participation
Performance targets• Workplace environment
BCBSVT• Flexible benefit design• Worksite health, wellness,
care management programs• Custom analytics • Custom consumer
engagement campaigns • Concierge health &
wellness services
Providers• Quality-focused
guideline based care• Patient-Centered• Affordable and fiscally
responsible• Evidence-based care
Emphasizes well-being, condition management and healthy outcomes
Everyone is accountable o Consumero Providero Employer o Health plano Community
Two levels of engagemento Worksite o Population
Aligned incentives
Independent | Local | Not-for-Profit | Community-Focused
29
How Accountable Blue Works
Identify benefits and incentives of
value to Employer
Health Assessment
Health Interest Survey
Clinical Data
Organizational Health Evaluation
Demographics
Flexible benefit design
Integrated health & wellness services
Employee incentives
• A customized benefit design to support your health and wellness goals
• A suite of customized health, wellness, and care management programs
• Incentives for healthy behaviors
Claims
©2012 Blue Cross and Blue Shield of Vermont
Independent | Local | Not-for-Profit | Community-Focused
Why are we here today?
How the Exchange impacts
Vermonters
Helping Vermonters through the Transition
Q & AClosing
Thoughts
Overview
30
top related