healthcare consumerism solutions - mar/apr '13

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Moving for Wellness Moves Employees and Companies to Success

Employers with 50+ Employees Must Comply or Share Cost of Insuring Employees Get the Facts

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Will Be Part of Health Care Coverage for Many, What Is Your Solution?

DENTAL INSURANCE

www.theihcc.com

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FORUM East Offi cial Show Guide

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www.TheIHCC.com I HealthCare Consumerism Solutions™ I March/April 2013 3

I N S I D EFEATURES

The Institute for Healthcare Consumerism Launches New Magazine Supplement

HealthCare Exchange Solutions

HealthCare Exchange Solutions helps you understand the choices in the health and benefit marketplace and make the best decisions

among a complicated array of exchange solutions options.

31 Dental Intelligence: Dental Benefits in the Health Care Reform Environment

The second article in a three-part series exploring the impact of the ACA on dental benefits. Pediatric dental benefits are part of the minimum package of benefits that must be offered in some markets. This article examines various exchange models and the new challenges and opportunities for stakeholders.

Rene Chapin Director of Membership & Communications

National Association of Dental Plans

34 Strategic Movement in the Workplace Improves Employee Performance

Turning the tide on disengagement doesn’t have to be complicated — it can be as simple as rewriting the story of corporate culture. The current “business story” illustrates the old school practice of long meetings and even longer calls in a sedentary workplace. The new story is about not just embracing a culture of health, but a simple and cost-effective culture of movement.

Jack Groppel, PhD Vice President of Applied Science

and Performance Training Wellness & Prevention, Inc.

37 Never Too Old to Learn a New Trick: Mobile Health Solutions Can Help Employees Manage Their Chronic Diseases

The second fastest-growing smartphone penetration rate is the 55-to-64 year-old age group. An mHealth innovation shows that no matter how long patients have had diabetes, no matter how old patients are, and no matter how “tech-savvy” patients may be, they use the technology to effectively manage their care.

Geeta Nayyar, MD, MBA Chief Medical Information Officer

AT&T ForHealth

COMING UP NEXT: Look for the next issue of both HealthCare Consumerism Solutions and HealthCare Exchange Solutions in June. Stay tuned weekly with HealthCare Consumerism Radio; daily content and blog updates at www.theihcc.com; and weekly eNewsletters HealthCare Consumerism Today and HealthCare Exchange Solutions Today.

I N S I D E

4 March/April 2013 I HealthCare Consumerism Solutions™ I www.TheIHCC.com

2 Editor and Publisher’s LetterHeading into FORUM East, the Institute launches new magazine supplement.

7 Studies, Research & SurveysOnly two states earn an A in health care price transparency.Employers expect average total health care costs for active

employees to be the lowest cost increase in 15 years.

8 News Briefs

9 People on the Move

9 Consumerism InnovationBenefitfocus Reveals Humana Voluntary Benefits AppHealthSparq Delivers Consumer Transparency SolutionsThe Hartford Enhances Voluntary Benefits CapabilitiesAflac Shows the Real Cost of Accident and IllnessCastlight Health to Deliver Prescription Cost Transparency

42 IHC FORUM West 2013, Save the Date

43 Corporate Member Profile

50 Resource Guide/Ad Index

11 Bachman’s BanterOverview of PPACA coverage mandates for large employers.

Ron Bachman

The full range of departments will return next issue. Stay tuned for more cutting-edge analysis.

Making HealthCare Consumerism Work in the Year Ahead and Beyond

May 9-10, 2013, Atlanta, Georgia

Page 13 Featured Speakers

Page 14 What You’ll Learn

Page 15 Agenda at a Glance

Page 16 Professional Credits for RCs and HR Professionals

Page 16 Conference Location and Hotel Information

Page 17-26 Sponsors

Page 27-30 Exhibitors

The latest updates, program details, speaker bios, and registration information are available at www.theihccforum.com or call 404-671-9551.

I N S I D E DEPARTMENTS

SPECIAL FORUM ISSUE

Events

The 2013 IHC FORUM WestSave the Date!www.theihccforum.com

We are excited to announce our dates for FORUM WEST. Join us December 5-6, 2013 in Las Vegas. We are back at the luxurious Red Rock Resort & Spa — a serene oasis set away from the hustle and bustle of the Las Vegas Blvd. The Resort’s exquisite rooms and breath-taking views of the canyon will make the perfect backdrop for our west coast event, not to mention all of the convenient amenities right there on-site (movie theater, bowling alley, restaurants, casino, spa, pools, and more). Registration will open soon. Come LEARN, CONNECT and SHARE with the top thought leaders in the rapidly growing health care consumerism megatrend.

MembershipBecome a Member and Reap the Rewards

Have you become a member of The Institute for HealthCare Consumerism (www.theihcc.com)? Why wait? Visit The IHC website today and sign up for a premium membership. Got a story to tell about an innovative health and benefit program or best practice in health care consumerism? Share it with fellow members of The Institute for HealthCare Consumerism. Share a case study, white paper, article or post a blog at www.theihcc.com. Members of The IHC also receive special discounts to attend Institute events, such as IHC FORUM.

2013

©2013 Truven Health Analytics Inc. All rights reserved.

In today’s world, consumers are inundated with information. Only the most relevant and personal messages will cut through the clutter. Get Noticed With Targeted Communications Targeted Communications from Truven Health Analytics™ uses data-driven messaging — based on age, gender, ethnicity, and household structure — to help you communicate highly personalized, relevant information.

From enrollment decision-making to wellness program participation, Targeted Communications empowers consumers to take charge of their healthcare and related expenses.

Ensure Your Messages Are Meaningful — and E!ectiveJoin us Tuesday, April 23, for an IHC-sponsored webinar, “Drive Behavior Change With Innovative Communications.” Visit www.theihcc.com/webevents/truven042313 to register, or stop by booth #301 at IHC Forum East to learn more about our consumer solutions.

THIS TIME,

MAKE IT PERSONAL.

TRUSTED. PROVEN.

A recent study showed that 96 percent of consumers value personalized healthcare reminders.Harris Interactive study, 2012

Heading into FORUM East, the Institute Launches New Magazine Supplement

I am proud to be bringing you an important issue of HealthCare Consumerism Solutions,

coming at a very important time for the industry.

As we get ready for the 4th Annual FORUM East, which many readers may be attending, we

are also proud to be launching, within these pages, HealthCare Exchange Solutions, a magazine

supplement exclusively covering public and private exchanges and defined contributions.

In this debut issue we are proud to feature articles by Mercer, a global HR consulting

leader which has become a key player in the private exchange arena with Mercer Marketplace;

Flexible Benefit Service Corporation, which, with its InsureXSolutions exchange, has made a

considerable impact in the individual exchange market; and Buck Consultants, another major

HR consulting firm that has developed an exchange.

This year’s FORUM East could not be timed more aptly. We are now only months away

from key deadlines for public and private exchanges, and FORUM East is specifically designed

to help employers, brokers, consultants, and other stakeholders navigate the changes set to

take place in health benefits. This conference is packed with three pre-conference events, five

general sessions, twenty-four workshops and almost fifty sponsors — the largest event we have

produced yet.

We hope to see you at FORUM East in Atlanta, starting on May 8th with an important pre-

conference event: the Employee Benefits Forum 2013, produced with WEB Atlanta. If you cannot

make it to Atlanta in May, mark your calendars for FORUM West at the Red Rock Resort & Spa

in Las Vegas on December 5-6.

And finally, I would like to mention our radio program, HealthCare Consumerism Radio,

produced with America’s Web Radio, airing live every Friday from 11 a.m. to noon (EST). Recent

guests have included key executives from companies such as Mercer, Benefitfocus, Acclaris,

Jellyvision Lab, Truven Health Analytics, and more. We’ve also been proud to host IHC League

of Leaders members like Dr. Wendy Lynch, Roy Ramthun, Dr. John Reynolds, Leah Binder, and

Praveen Mooganur. Tune in by visiting www.theihcc.com and clicking Media Center.

Doug FieldCEO/[email protected]

L E T T E R PUBLISHERwww.theihcc.com

VOLUME 9 NO. 3 | March/apriL 2013

published by FieldMedia LLc292 South Main Street, Suite 400

alpharetta, Ga 30009 7HO��Fax: 770.663.4409

cEODoug Field

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MaNaGiNG DirEctOr Brent Macy

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prODUctiON EDitOrAlison Amoroso, M.Ed.

MaNaGiNG EDitOrJonathan Field

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chairMaN OF ihc aDViSOry BOarDRonald E. Bachman, cEO, healthcare Visions

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Kim adler, allstate; Diana andersen, Zions Bancorporation; Bill Bennett; Doug Bulleit, DcS health; Jon comola, Wye river *URXS��-RKQ�+LFNPDQ��$OVWRQ�%LUG�//3��7RQ\�+ROPHV��0HUFHU�+HDOWK��%HQH¿WV��0DUF�.XWWHU��$ÀDF��6DQGHUV�0F&RQQHOO��0\�hSa rewards; roy ramthun, hSa consulting Services LLc;

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HealthCare Consumerism Solutions™ Volume 9 issue 3copyright ©2013 by FieldMedia LLc. all rights reserved.

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Workers Want Better Benefits Communication

$PHULFDQ� ZRUNHUV� VD\� XQGHUVWDQGLQJ� WKHLU� EHQH¿WV� LV� YHU\�important — and there’s a lot their employers could do to improve EHQH¿WV�FRPPXQLFDWLRQ��DFFRUGLQJ� WR�QHZ�UHVHDUFK�FRPPLVVLRQHG�E\� &RORQLDO� /LIH� � $FFLGHQW� ,QVXUDQFH� &RPSDQ\� DQG� FRQGXFWHG�online by harris interactive in February. the survey queried 2,111 8�6��DGXOWV�DJH��DQG�ROGHU�HPSOR\HG�IXOO��RU�SDUW�WLPH��,QGLYLGXDOV�ZKRVH�HPSOR\HUV�RIIHU�EHQH¿WV�DUH�QHDUO\�XQDQLPRXV�DW��SHUFHQW�LQ�VD\LQJ�LW¶V�DW�OHDVW�VRPHZKDW�LPSRUWDQW�WR�XQGHUVWDQG�WKH�EHQH¿WV�SURYLGHG� WR� WKHP� E\� WKHLU� HPSOR\HU�� DQG� D� VWURQJ� PDMRULW\�� SHUFHQW��VD\�LW¶V�YHU\�LPSRUWDQW��(PSOR\HHV�DOVR�IHHO�VWURQJO\�DERXW�PDNLQJ� VXUH� WKH\�KDYH� HQRXJK�¿QDQFLDO� SURWHFWLRQ� IRU� WKHPVHOYHV�DQG�WKHLU�IDPLOLHV��SHUFHQW�VD\�LW¶V�DW�OHDVW�VRPHZKDW�LPSRUWDQW��and 67 percent say it’s very important.

Employers and Employees Agree on the Value of Voluntary Benefits

$FFRUGLQJ� WR� 7KH� 6WDWH� RI� *URXS� 9ROXQWDU\� %HQH¿WV�� D� UHVHDUFK�EULHI�IURP�7KH�3UXGHQWLDO�,QVXUDQFH�&RPSDQ\�RI�$PHULFD¶V�6HYHQWK�$QQXDO�6WXG\�RI�(PSOR\HH�%HQH¿WV��7RGD\��%H\RQG, 63 percent RI� HPSOR\HHV�ZKR� VD\� WKHLU� HPSOR\HU�RIIHUV� DW� OHDVW�RQH�YROXQWDU\�EHQH¿W�DJUHH�WKDW�VXFK�EHQH¿WV�LQFUHDVH�WKH�YDOXH�RI�WKHLU�FRPSDQ\¶V�EHQH¿WV� SURJUDP�� (PSOR\HHV� ZKR� VDLG� WKH\� DUH� LQWHUHVWHG� LQ�UHFHLYLQJ�PRUH�YROXQWDU\�EHQH¿WV�WKURXJK�WKH�ZRUNSODFH�LQFUHDVHG�� SHUFHQWDJH� SRLQWV� WR� �� SHUFHQW� IURP� D� \HDU� DJR�� ,QGLFDWLQJ� D�SRVVLEOH� WUHQG�� SHUFHQW� RI� EURNHUV� FXUUHQWO\� VHOOLQJ� YROXQWDU\�SURGXFWV� DUH� H[SHFWLQJ� LQFUHDVHG� GHPDQG� GXULQJ� WKH� QH[W� ¿YH�\HDUV�� UHSUHVHQWLQJ� DQ� LQFUHDVH� RI� �� SHUFHQW� IURP� ODVW� \HDU��%URNHUV� IRUHVHH� WKH� ELJJHVW� LQFUHDVH� LQ� FULWLFDO� LOOQHVV� LQVXUDQFH��ZLWK��SHUFHQW�EHOLHYLQJ� LW�ZLOO� LQFUHDVH��7ZHQW\�VHYHQ�SHUFHQW�RI�HPSOR\HHV� VDLG� WKH\�ZHUHQ¶W� VXUH� LI� FULWLFDO� LOOQHVV� LV� SDUW� RI� WKHLU�FXUUHQW�HPSOR\HH�EHQH¿W�SDFNDJH�

Important Role of Incentives in Employers’ Efforts to Improve Workforce Health

$RQ�+HZLWW��WKH�JOREDO�KXPDQ�UHVRXUFH�VROXWLRQV�EXVLQHVV�RI�$RQ�SOF��surveyed nearly 800 large and mid-size U.S. employers representing PRUH�WKDQ�VHYHQ�PLOOLRQ�8�6��HPSOR\HHV�DQG�IRXQG�WKDW��SHUFHQW�RIIHU� HPSOR\HHV� LQFHQWLYHV� IRU�SDUWLFLSDWLQJ� LQ�SURJUDPV� WKDW�KHOS�WKHP�EHFRPH�PRUH�DZDUH�RI�WKHLU�KHDOWK�VWDWXV��RI�WKHVH��SHUFHQW�RIIHU�LQFHQWLYHV�LQ�WKH�IRUP�RI�D�UHZDUG��SHUFHQW�LQ�WKH�IRUP�RI�D�FRQVHTXHQFH��DQG��SHUFHQW�DV�D�PL[�RI�UHZDUGV�DQG�FRQVHTXHQFHV�

Only Two States Make the Grade in Health Care Price Transparency for Consumers

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Employers Plan Aggressive Response to Shifting Health Care Landscape

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Physicians Perform Poorly in Patient Values Before Recommending Care

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HEALTHCARE CONSUMERISM SURVEYS, RESEARCH & STUDIES


Mercer Taps Keas to Take Social Wellness Mainstream

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United Benefit Advisors Launches PPACA Resource Center to Help Employers Navigate Health Care Reform

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UnitedHealthcare Honors Employers for Outstanding Worksite Wellness Programs

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SoloHealth Inks Partners with Safeway to Rollout Health Kiosks Nationwide

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eflexgroup Honored for Fourth Time by Evolution1

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Word & Brown Launches Health Reform Resource Center to Provide Insurance Brokers Tools for Success

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Alegeus Technologies Outpaces Market in Growth on Benefit Account Administration Platform

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Jellyvision Takes Employee Benefits Counselor Tool on the Road

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Humana Pharmacy Solutions is Ranked Top Performer in Pharmacy Benefit Manager Survey

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HEALTHCARE CONSUMERISM NEWS BRIEFS

HEALTHCARE CONSUMERISM PEOPLE ON THE MOVE


Benefitfocus Reveals Humana Voluntary Benefits App

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HealthSparq Delivers Consumer Transparency Solutions

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Evolution1 Introduces New Product Identity

Evolution1, an electronic payment, on-premise, and cloud computing health care solution unveiled its products, solutions, and services under six brands within one product suite, serving partners, employer groups, and consumers.

The Hartford Enhances Voluntary Benefits Capabilities

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Aflac‘s New Calculator Shows the Real Cost of Accident and Illness

$ÀDF��VXSSOHPHQWDO�DQG�JXDUDQWHHG�UHQHZDEOH�LQVXUDQFH�SURYLGHU��launched the real cost calculator, an online tool that helps consumers understand the costs associated with common illnesses DQG� LQMXULHV� VXFK� DV� FDQFHU�� KHDUW� DWWDFN�� DQG� IUDFWXUHG� OLPEV�WKURXJK� XQH[SHFWHG� RXW�RI�SRFNHW� PHGLFDO� FRVWV�� )RU� LQVWDQFH��WKH�PHDQ� FKDUJH� IRU� D� KRVSLWDO� VWD\� IRU� D� KHDUW� DWWDFN� LV� ��DFFRUGLQJ�WR�WKH�8�6��'HSDUWPHQW�RI�+HDOWK��+XPDQ�6HUYLFHV�

Castlight Health to Deliver Transparency in Prescription Drug Costs

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Acclaris Names Senior Vice President of Finance & Administration

Christine Lundquist has been promoted to senior vice president, finance & administration. Lundquist has been a member of the Acclaris management team since the start of the company in 2001.

Change Healthcare Names Tiffany Pack Vice President of Implementation and Engagement

Change Healthcare, a cost transparency and consumer engagement provider, promoted Tiffany Pack to vice president, Implementation and Engagement. Pack, who has been a part of the Change Healthcare team since 2010, brings more than 20 years of experience.

ConnectYourCare Expands its Sales Force with Three Key Additions

ConnectYourCare, a consumer-directed health care (CDHC) and administrator of all tax-advantaged health care accounts, added Meghan O’Shea, Brian Walker, and Rob Westra. O’Shea is responsible for new business

development with employer clients throughout Central United States. Walker promotes the brand and services throughout the Southeast. Westra has more than 18 years of experience selling consumer-directed health care products in the employee benefits industry.

Truven Health Analytics Names Michael L. Taylor, MD, Chief Medical Officer

Truven Health Analytics, formerly the Healthcare business of Thomson Reuters, appointed Dr. Michael Taylor, MD, chief medical officer. He joined Truven Health Analytics in 2011 from Caterpillar Inc., where he was responsible for its wellness program.

Bravo Wellness Welcomes John Harris and Gregory Seeley to Advisory Board

Bravo Wellness, an outcomes-based wellness program provider, added John H. Harris and Gregory D. Seeley to its advisory board. Harris has more than 35 years of experience in the health promotion field. Harris is a founding partner at Performance pH and serves as chairman of the Health Enhancement Research Organization.

HEALTHCARE CONSUMERISM INNOVATIONS

© 2013 Total System Services, Inc.® All rights reserved worldwide.

TSYS® is a federally registered service mark of Total System Services, Inc.

A winning combinationOur unique experience in both the healthcare and payment services industries means unmatched expertise and reliability. Known for our elite levels of customer service and a long-term commitment to the industry, TSYS Healthcare® is focused on lasting relationships and people-centered paymentsSM.

Integrity | Relationships | Excellence | Innovation | Growth

Learn more at www.tsyshealthcare.com or call us at +1.706.649.5080

Get to know us. [email protected]


BY RONALD E. BACHMAN FSA, MAAA » CHAIRMAN, EDITORIAL ADVISORY BOARD » THE INSTITUTE OF HEALTHCARE CONSUMERISM

PRESIDENT & CEO » HEALTHCARE VISIONS, INC.

BACHMAN’S BANTER

EXECUTIVE SUMMARY: PPACA’s employer penalty is referred to as the employer’s shared responsibility payment. This is also sometimes called “play or pay.” Under the mandate the large employer is subject to two penalties if it does not comply:

Large employers must offer “minimum essential coverage” to substantially all full-time employees and their dependents or become subject to a penalty of $2,000 per employee if even one full-time employee buys insurance in a public exchange and qualifies for a financial subsidy. The penalty is calculated based on the total number of full-time employees minus 30.

Large employers that offer “minimum essential coverage” but the coverage is either unaffordable to employees or fails to cover 60 percent of employees’ total expected plan costs are subject to a fine for each full-time employee who applies to a public exchange and qualifies for a financial subsidy. The penalty is $3,000 per affected employee. The penalty is calculated based only on the number of full-time employees who qualify for a subsidy.

Employees must have an opportunity to accept coverage at least once during the plan year. An employer will be deemed to have offered coverage to substantially all full-time employees and their dependents if insurance is offered to 95 percent of full-time employees and their dependents. Dependents include son, daughter, stepson, stepdaughter, adopted child, child placed for adoption, and foster child up to age 26. For this mandate, dependent does not include spouses.

Coverage is unaffordable if an employee’s required contribution to health insurance coverage exceeds 9.5 percent of the employee’s household annual income. The determination that insurance coverage is unaffordable will be based on what the employee pays for self-only coverage, not family-coverage.

In other words, the affordability of coverage will not take into consideration the portion of the annual premium the employee might pay for family coverage. Most families in such a situation won’t have to pay a penalty if they choose not to buy family insurance. Otherwise, most

Americans are required to buy insurance beginning January 1, 2014, with a maximum penalty of $285 per family or one percent of income if they don’t. The penalty rises to $2,085 or two percent of income by 2016.

ACTIONS: Large employers will need to determine if their coverage is in compliance with PPACA and if they are exposed to potential penalties. Employers should check with their compliance and legal teams, insurance brokers, agents, consultants, third-party administrators, and insurers to determine if their plan benefits or premium contribution levels need changing.

The information presented and contained within this article was submitted by Ronald E. Bachman, President & CEO of Healthcare Vision. This information is general information only, and does not, and is not intended to constitute legal advice. You should consult your legal advisors to determine the laws and regulations impacting your business.

Ronald E. Bachman, FSA, MAAA, is also a senior fellow at the National Center for Policy Analysis, Georgia Public Policy Foundation, and Wye River Group on Health.

Large Employers Have Coverage Mandates

under PPACA and Shared Responsibility

Payments for Those which Are Noncompliant

Dependents do not include spouses.

WHO: Employers with 50 or more full-time employees (defined

as “large employers”) are mandated to provide coverage

to employees

Employers with fewer than 50 full-time employees are not

subject to the coverage mandate or penalties

WHAT: The Patient Protection and Affordable Care Act (PPACA)

imposes a penalty on large employers that do not offer “minimum

essential coverage” to all full-time employees and their dependents.

Large employers that offer coverage may be liable for a penalty if the

coverage is unaffordable for their employees or does not provide the

required minimum value.

WHEN: The mandate for large employers is effective Jan. 1, 2014.

The Internal Revenue Service released proposed regulations

on Jan. 2, 2013 regarding the employer shared responsibility

provisions under PPACA. Although the proposed regulations are not

final, employers may rely on them until further guidance is issued.

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Health(&)Care.

At Target, we believe in a simple approach to healthcare. Here, health is front and center with all the products and services that make good-for-you decisions easier and more accessible. Because simplicity in healthcare is better for us all.

Please join us on Friday, May 10, for the following presentations:

Helping Employees Become Better Consumers of Healthcare and Health Brian Cooper, Senior Group Manager, ClinicsMain Ballroom8:30–10:00 a.m.

What Leading Employers Are Doing To Make Healthcare Consumerism WorkSteve Lafferty, Senior Director, Clinics and Health PartnershipsMain Ballroom 12:00–1:00 p.m.

Health.Target.com ©2013 Target Brands, Inc. The Bullseye Design and Target are registered trademarks of Target Brands, Inc.

TGA130039_xxxxxx_BTO-AwareAd-IHC 1 3/11/13 7:13 PM

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LASER OUTPUT @ 100%Little & Company Job # 11932TGA130039_xxxxxx_BTO-AwareAd-IHC

PRO

FINAL RELEASE 03/01/13

Health(&)Care.

At Target, we believe in a simple approach to healthcare. Here, health is front and center with all the products and services that make good-for-you decisions easier and more accessible. Because simplicity in healthcare is better for us all.

Please join us on Friday, May 10, for the following presentations:

Helping Employees Become Better Consumers of Healthcare and Health Brian Cooper, Senior Group Manager, ClinicsMain Ballroom8:30–10:00 a.m.

What Leading Employers Are Doing To Make Healthcare Consumerism WorkSteve Lafferty, Senior Director, Clinics and Health PartnershipsMain Ballroom 12:00–1:00 p.m.

Health.Target.com ©2013 Target Brands, Inc. The Bullseye Design and Target are registered trademarks of Target Brands, Inc.

TGA130039_xxxxxx_BTO-AwareAd-IHC 1 3/11/13 7:13 PM

2013

Helen NellingDirector of Compensation and %HQH¿WV Wayne Farms LLC

Maurice Evans, Jr.Director of Human Resources, The Integral Group LLC

FEATURED SPEAKERS:

WHO SHOULD ATTEND?CEOs/Presidents/CFOs+5�DQG�%HQH¿WV�([HFXWLYHVHealth Plan AdministratorsCorporate Wellness and Medical Directors

%HQH¿W�%URNHUVThird Party Administrators%HQH¿W�&RQVXOWDQWV%DQNHUV

MAKING HEALTHCARE CONSUMERISM WORKin the Year Ahead and Beyond

WWW.THEIHCCFORUM.COM

Steve EnoManager Healthcare Programs GE Capital

Chris Covill([FKDQJH�3URGXFW�/HDGHU�DQG�3DUWQHU Mercer

Dawn BadingVice President, Human Resources Kaiser Permanente

Deanna Baker9LFH�3UHVLGHQW��(PSOR\HH�'HYHORSPHQW��Human Resources InteliSpend Prepaid Solutions

David SeemEVP / CFOMiller Zell

Patti Taylor'LUHFWRU��*OREDO�%HQH¿WV Newell Rubbermaid

Steve Lafferty, Sr.Director of Clinics and Health Partnerships, Target)RUPHU�'LUHFWRU��7DUJHW�%HQH¿WV

John HickmanPartner Alston+Bird LLP

ATLANTA MAY 9-10, 2013

2013 WWW.THEIHCCFORUM.COM

WHAT IS IMPORTANT TO YOU AND YOUR COMPANY’S BENEFIT STRATEGY?UNDERSTANDING DEFINED CONTRIBUTION AND PRIVATE/PUBLIC EXCHANGES | COMPLIANCE WITH NEW REFORM REGULATIONS | RISING COST | HEALTH INCENTIVES AND ENGAGEMENT HEALTHCARE CONSUMERISM TECHNIQUES | WELLNESS AND SUPPLEMENTAL BENEFITS

FORUM EAST PROVIDES REAL WORLD TAKE-AWAYS THAT DELIVER IMMEDIATE RESULTS FOR YOU AND YOUR COMPANY.

IF YOU CAN’T MAKE EAST, THEN START PLANNING NOW FOR IHC FORUM WEST 2013 AT THE RED ROCK RESORT IN LAS VEGAS! DETAILS WILL BE AVAILABLE SOON AT WWW.THEIHCCFORUM.COMLAS VEGAS DEC 5-6, 2013

2013 FORUM EAST AGENDA AT A GLANCE WEDNESDAY, MAY 8, 2013

7:30 am – 5:15 pm Pre-Conference: Employee Benefits Forum 2013

1:00 pm – 5:00 pm Pre-Conference: A Roadmap for Making Healthcare Consumerism Work

12:00 pm – 7:00 pm Exhibitor Set Up

THURSDAY, MAY 9, 2013

7:30 am Registration

7:30 am – 8:45 am Networking Breakfast / Exhibits Open

8:45 am – 9:00 am Welcome by Doug Field, CEO, The Institute for HealthCare Consumerism

9:00 am – 10:30 am Opening General Session: “Making Health Care Consumerism Work”

10:30 am – 11:00 am Networking Break / Exhibits Open

11:00 am – Noon Track No. 1 Workshops (Choose One)101 – Achieving My Goals; A Trip Through the Financial Wellness Workshop

102 – HSAs: After 2014

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105 – Health Pays: Using Incentives to Drive Wellness and Behavior Change

106 – The Right Care (Not Just Cost)!

107 – Pre-Paid Card Programs to Engage Consumers and Help Employers Manage Costs in 2014 & Beyond

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Noon – 1:00 pm Table Topic Lunch Discussion

Noon – 1:30 pm Lunch / Exhibit Open

1:30 pm – 2:45 pm Afternoon General Session: “HealthCare Consumerism is Here to Stay!”

2:45 pm – 3:00 pm Networking Break / Exhibits Open

3:00 pm – 4:00 pm Track No. 2 Workshops (Choose One)201 – Advanced Broker Course

202 – Ownership and Incentives: Creating Multiple Incentive Channels

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204 – SHARE SESSION: Health Care Access When You Want It, How You Want It

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206 – SHARE SESSION: How to More Effectively Engage Consumers and get Increased Participation from your Employee Population

207 – Consumer Engagement: The Key to a Successful Exchange

208 – Ten Steps to Delivering on the Promise to Employers: ACOs Enhance Quality of Care, Improve Patient 2XWFRPHV�DQG�'ULYH�&RVW�HI¿FLHQF\

4:00 pm – 4:15 pm Networking Break / Exhibits Open

4:15 pm – 5:15 pm Closing General Session: Defined Contribution and Public/Private Exchanges: A Panel Discussion with Leading Experts

5:15 pm – 7:15 pm Opening Night Reception / Exhibits Open

WHY SHOULD YOU ATTEND?Forum Provides a Unique Laser Focus on Consumerism Best Practices!It helps you to lower your cost while improving overall employee population health through innovative techniques and solutions.

WHAT YOU’LL LEARN

NEW AT THE FORUMOur Employee Benefits Forum Pre-Conference (produced in conjunction with WEB Atlanta) is exclusively designed for employers. This is your chance to talk shop—uncensored—with your professional counterparts.

At IHC FORUM EAST 2013 attendees will experience a full day and a half of activities that provide the most up-to-date information related to healthcare consumerism, the health reform law, and continuously emerging regulations available anywhere.

The Forum’s valuable pre-conferences provide classroom learning for PHR, SPHR and GPHR recertification through the HR Certification Institute and for the IHC Level 1 Broker Certification and should not be missed.

From networking with your peers and top industry thought leaders to general sessions and informative workshops, you will learn how to successfully implement the most effective and compliant health care benefits strategies. Selected sessions at Forum East include:

participation

At the IHC FORUM, the only conference 100% dedicated to innovative health and benefit management, we continue to deliver programming that is engaging, educational and packed with networking and new business opportunities. This content not only cuts at your bottom-line, but also gives you a deeper look at the existing megatrends and challenges within our industry. No matter where you are on your journey, the IHC FORUM will equip you with the money-saving strategies you need to successfully navigate the health care consumerism landscape and avoid the bumps along the road.

executives, corporate wellness directors, HR professionals, health care brokers and regional health plan providers interested in engaging their

company attends one or both events, the same premium conference experience and measurable results can be expected.

amount of time and budget, so we provide Early Bird Rates and Team

Look forward to seeing you there,

LEARN FROM EXPERTS AND EACH OTHER AT THE IHC FORUM

Understand what the latest regulations and changes in the health care law mean for you

employees

and share your successes

benefit offering

and be able to implement them right away

workshops, earn CE and SPHR credits, and start your path towards HealthCare Consumerism Certification

Doug FieldFounder and CEOThe Institute for HealthCare Consumerism

Visit www.theihccforum.com to preview the agenda and register for the conference.

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When it comes to employee benefi ts, more is better.Across the country, employers trust UnitedHealthcare to provide their employees with quality medical plans. But did you know that we also offer many other types of benefi ts? From critical illness and accident insurance to dental plans, vision, life and disability, we offer insurance products that help protect your employees and their families. And when you choose UnitedHealthcare for all your benefi ts, you’ll save time with a single point of contact. To learn more, call your broker or visit uhc.com.

Visit us at Booth 211 at IHC Forum East 2013

©2013 United HealthCare Services, Inc. UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company on Form UHICI-POL-1 (01/12). UnitedHealthcare Accident product is provided by UnitedHealthcare Insurance Company on Form UHCAC-POL-1 (01/12) and in Texas on form UHCAC-POL-1-TX (01/12). Products may not be available in all states. UnitedHealthcare Vision® coverage provided by or through UnitedHealthcare Insurance Company or its affi liates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affi liates. UnitedHealthcare Dental® coverage provided by or through UnitedHealthcare Insurance Company or its affi liates. Administrative services provided by Dental Benefi t Providers, Inc., Dental Benefi t Administrative Services (CA only), United HealthCare Services, Inc. or their affi liates. UnitedHealthcare Life and Disability products are provided by UnitedHealthcare Insurance Company; and in California by Unimerica Life Insurance Company; and in New York by Unimerica Life Insurance Company of New York. UnitedHealthcare Insurance Company is located in Hartford, CT. Insurance coverage provided by UnitedHealthcare Insurance Company or its affi liates. Administrative services provided by United HealthCare Services, Inc. or their affi liates. Health Plan coverage provided by or through a UnitedHealthcare company.UHCGA636701-000

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www.theihcc.com

iSSUE || March/april 2013

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Exchange

Could Small Businesses Drive the Private Exchange

Marketplace?

Private Exchanges Are More than a One-Stop

Shop for Benefi ts, They Bring Value Too

Exchange Profi le: Buck Health

Exchange Solutions

Understanding How to Make the Best Choices Among a

Complicated Array of Exchange

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Endless Options$ERXW�,QQRYDWLYH�+HDOWK�DQG�%HQH¿�W�0DUNHWSODFHV

www.TheIHCC.com I HealthCare Exchange Solutions™ I March/April 2013 3

FEATURES

9 It’s All about the Value

Private exchanges allow small and large employers to show employees the value of providing them health and voluntary benefits while containing costs.

By Christopher CovillNational Specialty Practice Leader and Partner

Mercer Marketplace Exchange Initiative

11 The New Normal?

Private exchanges offering individual plans are emerging as an ideal business solution for small businesses and may even become the norm.

By David LindgrenProduct & Compliance Manager

Flexible Benefit Service Corporation

INSIDE

4 Publisher’s LetterIntroducing HealthCare Exchange Solutions, the first magazine with concentrated coverage of exchanges and defined contribu-tions.

5 News Briefs

Keep up to date on new exchange innovations hitting the market.

7 Regulations & CompliancePrivate exchanges may provide a transition to consumer-centered insurance while offering competi-tive coverage to large populations currently in or shut out of indi-vidual plans.

By Ronald E. Bachman FSA, MAAA Chairman, Editorial Advisory Board

The Institute of Healthcare Consumerism

14 Private Exchange ProfileThis inaugural issues features group health benefits, with an overview of RightOpt, a private health insurance exchange for self-funded and fully insured employers, offered by Buck Con-sultants.

DEPARTMENTS

,QWURGXFLQJ�HealthCare Exchange Solutions�0DJD]LQH

The emergence of health insurance benefits exchanges represents perhaps the most

significant shift in how Americans purchase health insurance in many years. We’ve already witnessed a number of innovations by the industry recently, and more are sure to come.

The exchanges, simply put, represent an important opportunity for advancing consumerism in health care.

I am pleased to introduce to you, HealthCare Exchange Solutions, a magazine supplement to HealthCare Consumerism Solutions covering this momentous shift, focusing exclusively on exchanges and defined contributions.

This supplement is a major addition to the commitment the Institute has given to understanding and discussing exchanges and defined contributions during the past year. In February we introduced a new online community, Exchange Solutions, and its accompanying e-newsletter. This year’s FORUM events will feature a number of timely exchange-related workshops and general sessions, and our weekly radio show, HealthCare Consumerism Radio, has recently featured many segments about exchanges.

Through timely news coverage and analysis in this magazine supplement and related media and events, we aim to resolve many of the questions and concerns employers, brokers, consultants, and consumers alike have regarding exchanges.

We will feature the opinions of many key players in the emerging exchanges. In this debut issue, we are proud to feature an article by Mercer, a global HR consulting leader which has added a key component to the private exchange arena with Mercer Marketplace, as well as Flexible Benefit Service Corporation, which, with its InsureXSolutions exchange, has made a considerable impact in the individual exchange market.

In each issue, we will feature an Exchange Profile, which introduces a key exchange player to the market. For this issue, we profile Buck Consultants’ RightOpt exchange. Also, in each issue, you will find Regulatory & Compliance coverage, aimed at helping stakeholders understand the complex legal and compliance issues involved in moving into the exchanges.

I believe this new array of editorial content will be of huge value to the industry. No one else has concentrated coverage of exchanges and defined contribution in a regular publication, written by thought-leaders and industry experts.

We invite you to share your feedback and suggestions about the supplement and consumerism as we enter this exciting era of health care exchanges.

Doug FieldCEO/[email protected]

www.theihcc.com

VOLUME 1 NO. 1 | MarCH/apriL 2013

published by FieldMedia LLC292 South Main Street, Suite 400

alpharetta, Ga 30009 7HO��Fax: 770.663.4409

CEODoug Field

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MaNaGiNG DirECtOr Brent Macy

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CHairMaN OF iHC aDViSOry BOarDRonald E. Bachman, CEO, Healthcare Visions

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Kim adler, allstate; Diana andersen, Zions Bancorporation; Bill Bennett; Doug Bulleit, DCS Health; Jon Comola, Wye river *URXS��-RKQ�+LFNPDQ��$OVWRQ�%LUG�//3��7RQ\�+ROPHV��0HUFHU�+HDOWK��%HQH¿WV��0DUF�.XWWHU��$ÀDF��6DQGHUV�0F&RQQHOO��0\�HSa rewards; roy ramthun, HSa Consulting Services LLC;

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4 March/April 2013 I HealthCare Exchange Solutions™ I www.TheIHCC.com

PUBLISHER Exchange


PUBLIC EXCHANGESMNsure to Offer Small Businesses Competitive Health Insurance Options in 2014Recent news from Washington, D.C. regarding delays in the small business functions of the federal exchange won’t affect Minnesota businesses because Minnesota is establishing MNsure, a state-based exchange, independent of the federal program. MNsure’s Small Business Health Options Program (SHOP) will allow small businesses to employ a defined contribution model for health insurance beginning in 2014. MNsure will also be able to distribute lump sums received from small businesses for employee health insurance to the insurance companies based on which plans the employees choose, easing the administration of providing health insurance for small employers.

PRIVATE EXCHANGESArizona Businesses Offered New, More Flexible Way to Purchase Health Care CoverageBlue Cross Blue Shield of Arizona has introduced a private health plan marketplace, available to Arizona employers, through a defined contribution plan. Employers set a fixed dollar amount they‘ll contribute to employees‘ health benefits, employees use the contribution dollars to shop the online marketplace and evaluate the ten plan options available. Employees pay toward the monthly premium only if their plan premium costs exceed the contribution set by their employer.

Buck Consultants Unveils RightOpt, a National Health Insurance ExchangeBuck Consultants, A Xerox Company, plans to launch RightOpt, a private health insurance exchange for employers with 3,000 or more benefit-eligible employees for fall 2013 enrollment. RightOpt can help employers through health insurance provider relationships that are negotiated and managed by Buck. RightOpt allows employers to use a national network of providers based on the value each provider delivers in a specific metropolitan area. Employees located across the country access the more deeply-discounted networks of providers; a model many employers have avoided historically due to the administrative complexities. RightOpt personalizes the member experience based on family health status, adversity to risk, and preferences. A single access portal supports the personalization in three areas.

Capital BlueCross’ Private Exchange Working Well for Group CustomersCapital BlueCross group customers are responding favorably to the company’s private health insurance exchange called MyCoverage Selector, which is powered by ConnectedHealth platform and launched in the fall of 2012. Miners Bank is one of the first Capital BlueCross employer groups to provide its workforce with health coverage through MyCoverage Selector. The easy-to-use online platform lets employees shop for and choose their health insurance from a wide range of options, using a set dollar amount (a defined contribution) from their employer. Employees have the flexibility to select the plan they prefer and receive the platform’s personalized recommendations.

CieloStar Launches National Private ExchangeCieloStar announces the launch of a broad health insurance and benefits exchange, leveraging 25 years of technology and programs to navigate the full range of health care and other benefits. Its new one-stop exchange is called CieloChoice. CieloChoice allows employers, associations, affinity groups, and brokers to offer employees and members a one-stop online marketplace. Similar to travel websites that allow consumers to shop in one place, CieloChoice offers a variety of plans for consumers to choose from, including health, dental, medical, and vision. Coupled with competitive price comparisons, employees can create a plan based on their specific needs and budget. Combining its technology platform with its health benefits experience, CieloStar can simplify enrollment, engagement, and administration for both administrators and consumers.

InsureXSolutions Adds Assurant, Blue Cross Blue Shield of TX, and Humana to PortfolioInsureXSolutions recently announced these three insurers have joined the list of health insurance companies available through its exchange. The products from these carriers include individual health plans and offer a variety of premium and deductible options. InsureXSolutions offers small businesses a defined contribution benefits strategy. Employees access the online insurance marketplace to shop and compare plans from national, regional, and local individual health, dental, Medicare, short-term, and vision insurance companies. Employees interact with a decision engine that makes buying insurance coverage as simple as making an online travel reservation. Employees answer questions and set search parameters, and the decision engine helps them narrow down their choices to select a plan that best fits their budget, needs, and lifestyle.

PlanSource’s Exchange to Support a Defined Contribution Benefits MarketplacePlanSource, a cloud-based, on-demand technology company that provides benefits administration, payroll, and HRIS solutions to employers through its insurance carrier and broker partners, has announced the launch of MyPlanSource, a private health care and benefits exchange platform designed to support defined contribution retail benefits marketplaces. Employer shopping, employee shopping, personalized plan selection guidance and decision support, defined contribution, enrollment, plan administration, billing, and data management are all integrated in a single- or multi-carrier environment and delivered securely online.

Simplee and Liazon Creates the First Benefits Exchange with Expense Management ToolsSimplee and Liazon announced a partnership to provide all Liazon Bright Choices Exchange users with integrated access to the Simplee health care expense management platform. This partnership forms the first private benefits exchange that allows consumers to both select a personalized benefits portfolio and then track and manage their health care expenses throughout the year. Liazon’s flagship product, the Bright Choices Exchange, is an online benefits store that helps employers save money on their health care costs by setting predictable budgets while allowing employees to personalize their benefits package with a selection of health, dental, vision, life, disability, and other benefits from top providers.

BRIEFS

Consumers and employers alike will rejoice in a benefits

marketplace that makes shopping for insurance easy

and painless. With Workable Choice, employees are

easily connected with the products that best fit their

unique lifestyles. Our defined contribution options give

employers the flexibility to deploy a benefits program

tailored to their specific needs. With our one-invoice,

single payment a solution, billing has never been easier.

Workable Choice integrates flawlessly with your eligibility

and underwriting guidelines, just the way you’d want

it to. And we capture all the information your systems

need to import enrollments and maintain eligibility, so

you don’t have to worry about a thing.

Decision Support /

Plan Cost Comparison

��Online consumer shopping experience

��Integrated educational and analytical tools

��Plan Recommendations and Cost

Comparisons

Eligibility Maintenance

��Portal access for admin, broker,

employer, consumer

��Online management of employee

adds, terms and changes

��Automated updates sent electronically

(EDI) to all impacted providers

With our experts as your guide, launching a private exchange begins with a phone call and ends with your customized solution. Request a demo at WorkableChoice.com.

Online Enrollment

��Data validation tools and custom pages to

minimize enrollment errors

��Direct, electronic data exchange with plan providers

��Detailed activity and enrollment reporting

Consolidated Billing & Payment

Management

��Single invoice, single payment for all employer

sponsored benefits

��Direct bill/payment capabilities for individual benefits

��Detailed reconciliation and activity reporting for

benefit providers

Take your business

to a higher level

with a cloud-based benefits marketplace.

p:800-946-6342 | WWW.WoRkableChoiCe.CoM


BY RONALD E. BACHMAN FSA, MAAA » CHAIRMAN, EDITORIAL ADVISORY BOARD » THE INSTITUTE OF HEALTHCARE CONSUMERISM

PRESIDENT & CEO » HEALTHCARE VISIONS, INC.

REGULATIONS & COMPLIANCE

Although the Patient Protection and Affordable Care Act (PPACA) is sometimes shortened to the Affordable Care Act or ACA, the act has few features that will make insurance more

affordable. Government studies and industry experts has indicated that strict coverage mandates, limited premium classifications, community rating, added benefits, single risk pools, and price compression will raise premiums more rapidly than if the ACA had never been passed.

The development of exchanges, both government and private, are part of an evolution that will change the way insurance is sold and bought. It is a new way of connecting products with customers. It may be that the main population using government exchanges are those who qualify for a federal subsidy. The standards and restrictions on govern-ment exchanges are likely to attract buyers that are high-risk and are high-cost claimants. The government exchanges will use government paid “navigators” rather than independent licensed agents. In addition, government exchanges and navigators are not expected to offer supple-mental products, life insurance, or other such products and services.

Private exchanges may be the free market solution to real cost control and lowering the number of people in the country that are uninsured. Given that there are nearly 50 million Americans uninsured, the traditional agent distribution system for insurance is not working. About 60 percent of the uninsured are under age 35. Studies conducted in Georgia by the Center for Health Transformation Uninsured Working Group, a former think tank founded by Newt Gingrich, found that 35 percent of the uninsured could afford insurance but did not know it. Another 40 percent needed lower cost options that were not available to them either because insurers emphasized high premium products, or because existing state laws or legislative mandates increased premiums and favored insurers over consumers.

Many uninsured people work for small businesses that do not offer insurance. They may be self-employed, part-time, or doing contract work. In most cases, they qualify for individual insurance, not group plans. Selling single policies can be time consuming with little financial rewards for an agent. Many potential individual sales are halted at the kitchen table when, in the process of completing an application, they find issues that could cause insurers to decline to cover them and their family. Information derived by an insurer during the underwriting process is typically fed into an industry association called the Medical

Information Bureau. That information is shared across companies and a declined health application could have ramifications for future applica-tions of life insurance, disability coverage, and other forms of insurance.

Private exchanges are developing that will offer individual and group products that emphasize wellness and treatment compliance for those under medical care. PPACA requires insurers to “community rate” their products. That is, individual or small groups will not get direct credit for healthy activities. New entities are forming that will likely attract healthy lives and the less healthy members interested in getting better. Private health cooperatives, captive mutual companies, and new insurers may be unencumbered by an existing unhealthy membership or a current business model that limits attracting customers willing to be engaged in healthy behaviors.

Health care consumerism is more likely to emerge through private exchanges than government exchanges. Private exchanges will provide a transition from employer-based insurance to individual-centered or consumer-centered insurance. In theory, both large and small employers will be able to purchase health insurance through the private exchanges, and their employees can choose an individual health plan from those offered by participating insurers.

Time will tell. We are in the beginning stages of a major market revolution. We already know that small business government exchanges as originally planned have been delayed one year until 2015. As private exchanges come on line, I believe each will each be a little different and offer varying levels of products and services. For a while it will be a “wild west” show.

Ultimately, the success and failure of each exchange’s product and distribution model will lead to consolidation and better products, services, convenience, help, and information for the consumer. In the end, more product competition and price transparency will lead to more citizens being insured and lower insurance costs will prevail. This is the way free markets create successful products and services that consumers want to buy. 7KH� LQIRUPDWLRQ� SUHVHQWHG� DQG� FRQWDLQHG� ZLWKLQ� WKLV� DUWLFOH� ZDV� VXEPLWWHG� E\� 5RQDOG� (��%DFKPDQ�� 3UHVLGHQW� � &(2� RI� +HDOWKFDUH� 9LVLRQ�� 7KLV� LQIRUPDWLRQ� LV� JHQHUDO� LQIRUPDWLRQ�RQO\��DQG�GRHV�QRW��DQG�LV�QRW�LQWHQGHG�WR�FRQVWLWXWH�OHJDO�DGYLFH��<RX�VKRXOG�FRQVXOW�\RXU�OHJDO�DGYLVRUV�WR�GHWHUPLQH�WKH�ODZV�DQG�UHJXODWLRQV�LPSDFWLQJ�\RXU�EXVLQHVV�

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Private Exchanges may Be the Free Market Solution to Cost Control

and Health Care ConsumerismPrivate exchanges may provide a transition from employer-based insurance

to consumer-centered insurance while offering competitive coverage to large populations currently in or shut out of individual plans.

In a today’s benefits landscape, the changes enacted through the Patient Protection and Affordable Care Act (ACA) are profound for employers and employees as health care reform introduces new levels of complexity and choice that require new and dramatic solutions.

As the rising cost of health care has become a challenge for all stakeholders, public policy has shifted along with the responsibility for managing cost and risk. During the last 20 years, the evolution from defined benefit to defined contribution (DC) in retirement plans

has provided a model whereby the DC approach to health insurance benefits funding now can be deployed. This shift limits the open-ended costs of traditional arrangements and gives employers more control over future premium cost increases.

A key tenet of the ACA is the establishment of public exchanges to allow Americans to directly purchase health insurance. This has also been the impetus for the emergence of private exchanges, which allow employers to offer ACA-compliant health insurance with a new efficiency, providing access to a range of health plans along with a full

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A Full-Service Private Exchange Is all about Its Value to Both Employers and Employees3ULYDWH�H[FKDQJHV�SURYLGH�RSSRUWXQLWLHV�IRU�

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BY CHRISTOPHER COVILL » NATIONAL SPECIALTY PRACTICE LEADER AND PARTNER » MERCER MARKETPLACE EXCHANGE INITIATIVE



suite of employer-sponsored and voluntary benefits.

The private-exchange mechanism for delivering health insurance benefits can greatly facilitate the transition to a DC model — a key value proposition for employers — while empowering employees to build their individual benefit risk portfolios, a clear value to themselves and their families.

The private exchange market is growing quickly, as a number of players, including Mercer, have introduced private marketplaces for both large and small firms. The Mercer Marketplace, for example, stocks core and voluntary products across many benefits types and is available to employers with as few as 100 and as many as 100,000+ employees.

For employers and employees, such a private-exchange model delivers on the value proposition vital to both groups by:1. Allowing both the employer and the em-

ployee to realize the economic benefit of negotiated costs and services

2. Providing overall cost transparency, including full visibility of the employer’s contribution to the employee’s benefit costs

Together, these have the combined advantage of creating a positive perception for the organization and its workforce.

In the case of The Mercer Marketplace, the solution enables employers to deliver a total benefits package to employees, with the advantages cited above. The solution offers a comprehensive range of benefits including core medical coverage, supplemental coverage (including gap programs), traditional benefits (such as life, disability, dental, and vision) and ancillary benefits (such as home and auto, group legal, identity theft, and even pet insurance).

These benefits are provided and managed through a state-of-the-art technology platform that include intuitive, user-friendly online enrollment applications, coupled with decision-support tools for calculating cost and the types of plans (PPOs, HMOs, high-deductible consumer-directed plans, etc.) that will best meet the needs of individual employees and their families.

Private exchanges drive a consolidated efficiency that can be realized in reduced internal and external expenses. For example, exchanges offer employers:

an enrollment protocol that is supported through a call center staffed by sea-soned, salaried, and licensed benefit

counselors, thus relieving pressure on human resources and benefit staff within the organization who are often challenged to counsel employees on benefit specifics and choices enrollment functionality and technology support streamlined administration of ben-efits, including integration with payroll systems, eligibility managementbilling services

A full-service private exchange model is all about its value and how it translates to both the employer and employee. For employers, a private-exchange solution facilitates the transition to a DC strategy for benefits, providing full transparency with regard to an employer’s total contribution to its employee’s benefits package, helping to create a more positive employee perception of the employer, which plays a proven role in enhanced employee engagement and productivity, as well as the retention of key talent.

In addition, by consolidating and streamlining benefits management and reporting, the private-exchange model provides competitive benefits while reducing the traditional burden of managing them in-house. Moreover, enhanced employee perception is achieved by empowering employees to personalize their risk portfolios through a seamless technology platform supported by call-center professional benefit counselors, reinforcing the employer’s continuing commitment to providing valuable benefits.

It’s worth reemphasizing the bottom-line value proposition for employers. Cost efficiencies of the private exchanges are derived from the streamlined administrative aspects, as well as from the competitive brokering and bundling of all benefit products. Efficiencies also accrue as employees’ benefit-buying behavior leads them to less costly plans. And finally, the

DC funding model is a clear advantage for employers in the benefits marketplace.

Employees tend to have three buying profiles when it comes to making benefit choices. There are those who:1. Like to “Do it yourself” 2. Prefer that someone “Do it with me” 3. Want the organization to “Do it for me”

The private-exchange strategy works for all three of those constituencies, empowering each of them to build their own portfolios of personal protection. Support for these employee types is achieved through a combination of the intuitive, user-friendly nature of a private-exchange technology platform and the personalized service of the benefit counselors staffing the call center. Both methods provide employees greater visibility into the costs and financial options.

For many, this education process will lead to the realization that they can reduce their medical coverage and costs while still protecting their out-of-pocket exposure — with, for example, supplemental medical gap coverage. It all points toward an enhanced employee appreciation of their employer’s financial and service commitment to them.

This improved employee perception will be reinforced by the clear cost-efficiency employees can realize from reducing their overall medical spending by balancing insurance costs and out-of-pocket risks in constructing their personal benefits portfolios. The goal is for employees to become more effective and efficient health care consumers.

Ultimately, private exchanges can provide a meaningful long-term solution for the challenges that persist in the health-and-benefits landscape, but the value of private exchanges must be clear to both employee and employer.

For employees, that value proposition is driven not purely by an employer’s financial contribution and by access to a benefits platform, but also — and perhaps more so — by the strong sense that the employer has a continuing commitment to employees’ security, to their evolving needs, and to the availability and affordability of quality health benefits. That is a sustainable proposition bred from values as much as from the transactional notion of value.

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The most talked about subject in the health insurance industry since the Affordable Care Act (ACA) was passed is the exchange. This critical component of the ACA will serve

as the backbone for millions of individuals and families to purchase health insurance coverage.

The public exchanges are expected to be open for business starting October 1, 2013. Only individuals and small businesses will have access to public exchanges initially. Although they will be supported by federal and/or state funds, they will offer private insurance plans from local and regional insurance companies.

Private exchanges, on the other hand, are operated by private companies, such as insurance companies, brokerages, or tech-based firms. Many private exchanges are already operational today and provide significant flexibility for businesses. These exchanges typically target specific market segments, such as large groups (1000+)

with retirees, or mid-sized groups (500+), looking for group health benefits.

Public Exchanges for the Big (Small) Marketplace

Public exchanges may be the fallback for many small businesses, which have no requirements to offer health insurance under the ACA, but are impacted significantly by its requirements otherwise. Small employers will eventually have the option of the Small Business Health Option (SHOP) exchanges, which are intended to assist small businesses provide affordable group health insurance options for their employees.

Once the public exchanges are

(Small) Business Segment Is Adapting to Private Exchanges3ULYDWH�H[FKDQJHV�RIIHULQJ�LQGLYLGXDO�SODQV�DUH�HPHUJLQJ�

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BY DAVID LINDGREN » PRODUCT & COMPLIANCE MANAGER » FLEXIBLE BENEFIT SERVICE CORPORATION (FLEX)

The Largest

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In today’s economic climate, properly managing your health care plans helps both your people and your bottom line. But finding the time and the resources can be a challenge.

Buck can help. Together with Xerox, we:

• Touch two out of every three insured Americans who use health care annually

• Process 900 million health care claims every year

• Have contracts with 36 state Medicaid organizations

• Provide RightOpt™, our private health

insurance exchange, to manage costs for both you and your employees

• Supply Accountable Care Organization technology to 2000+ hospitals

• Support every major insurance carrier

www.buckconsultants.com

By leveraging our experience across the health care industry — from providers and payers to employers and government agencies — you can make your health care plans more accessible, affordable, and efficient.

To learn more, visit www.buckconsultants.com


available to small businesses, initially they will be able to offer only one plan to employees in most states. The Department of Health and Human Services (HHS) recently delayed the availability of expanded SHOP exchanges until 2015. This defeats one of the primary goals of the ACA — to provide more plan choices. Since the SHOP exchanges are being delayed and small businesses have no requirements to offer health insurance under the ACA, individual plans may be the ideal solution for their employees.

Marketplace UncertaintyCurrently, the majority of those small

businesses that offer health insurance provide fully-insured group health insurance plans to employees. Employees receive a package of group insurance options, which may include health, life, disability, dental, vision, and more. The employer selects the group health insurance options available for their employee population and pays for all or a portion of the group health plans.

Many small businesses originally had thought they would stop offering health insurance in light of the ACA. Although some may still pursue this as an option, many small businesses have increasingly changed their opinion. A recent small business survey indicated that two-thirds of small business owners say they will continue to offer insurance to employees.

Although the number of small busi-nesses offering employees insurance has grown since the ACA was signed into law in 2010, there is still a lot of skepticism in the marketplace. Many small businesses are still unclear of how it will impact them and what they will need to do to comply. In fact, the small business survey found that more than half of the respondents incorrectly believe they must provide health insurance to employees or be penalized. However, the new law will not require businesses with fewer than 50 employees to provide insurance nor will they be subject to any penalties.

The Benefits of Private Exchanges for Small Businesses

With the emergence of the ACA, many small businesses may quickly adapt to private exchanges. Many private exchange models

allow the employer to cap their costs and provide a fixed dollar amount to employees to purchase insurance coverage. Whether it’s provided with pre-tax or after-tax dollars, this approach changes the employer’s role in the delivery of health benefits.

Rather than dealing with administrative burdens and other logistical issues, the employer’s role in providing health insurance to employees is significantly decreased with a private exchange. They simply set a health care budget, establish a relationship with a private exchange, and let their employees do the rest. Some private exchanges even have a dedicated team that is available to assist employees through the enrollment process.

Whether the employer contributes $50 or $500 per month, there are no require-ments or restrictions for the employer to con-tribute a specific dollar amount to employ-ees. The employer just needs to make sure they provide the same contribution amount to similar employee populations, with some classification types allowed.

The employee can then use the funds as part of their individual or family health care budget. That’s where the private exchange comes in. The intent of the private exchange is to provide a simple, seamless health care shopping and purchasing experience for the employees through an online insurance marketplace. This business solution avoids the “one size fits all” benefits approach and creates a win-win experience for employers and employees alike.

Employee Choice Is KeyMany private exchanges offer employees,

through their employers, the ability to shop online for health, dental, vision, Medicare Supplement, and other insurance plans. And, since many employees will be navigating these insurance plans as consumers, they

will require personal assistance to understand, filter, and compare their options.

Exchanges that provide decision-support tools to aid employees in their shopping experience may achieve the best results. For example, our private exchange — InsureXSolutions® — is integrated with a Plan Finder for employees to assist them to navigate the individual insurance marketplace.

This smart, online resource provides personal guidance to

individuals and families shopping for insurance coverage. Through a series of questions answered by the individual, the Plan Finder matches insurance plans to his or her specific needs and lifestyle. Taking less than one minute to complete, the outcome of this interactive process recom-mends insurance plans based upon cost, benefit levels, coverage needs, insurance company, and more. From there, employees apply online for the insurance plan that fits them best.

The Future Is BrightToday, the individual insurance applica-

tion process still includes medical under-writing and taking a medical history, which insurance companies use to assess rates for consumers to pay for their individual health insurance plans. Starting in 2014 underwrit-ing will be eliminated, making all individual health insurance plans guarantee issue.

For those small businesses uncertain about their future health care strategy, a private exchange offering individual plans can be that ideal business solution. In fact, there are whispers that private exchanges may quickly become the norm for small businesses.

When we think of “big business,” we usually think of businesses with thousands of employees. As private exchanges grow in popularity, and that trend continues as we head toward 2014, it’s actually the small business employer that may redefine the way we look at the big business of health insurance.

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The Majority of Small Businesses do Not Offer Health Insurance to Employees

35.7 percent


Buck explains that its solution is designed to reduce health care spend and trend by placing continued downward pressure on health care delivery and improving employee health, not just transferring costs from an employer to its employees. It also states that both employers and employees will benefit from RightOpt’s decreased health care costs, increased member engagement, and improved business results. A summary of RightOpt’s solution benefits includes:

Buck Consultant’s preferred partner strategy regionally aligns provider networks based on quantitative criteria, including network breadth, provider discounts, unit cost guarantees, and quality. It plans that this “quilted network” approach will deliver savings of up to 10 percent on eligible charges for the employer the first year. Employers offer this national net-work of providers to employees based upon the value each provider delivers in a specific metropolitan area. Employees located across the country would access the more deeply-discounted networks of providers; a model many employers have avoided historically due to the administrative complexi-ties. It negotiates program expenses for a suite of services inte-grated into the exchange, including pharmacy benefit man-agement and wellness programs. This negotiated purchasing for volume-based contracting allows its clients to use unit cost and pricing that improves for all participating employers as its exchange membership grows. It leverages the Xerox Palo Alto Research Center (PARC), alongside its data warehouse partner, to expand its ability to make evidence-based decisions regarding what actions truly drive outcomes and incorporates these recommendations to drive incremental value. A current research team is working to identify the effectiveness of emerging trends in health care such as gaming theory and technology — drawing upon PARC’s research in social computing, behavior analytics, and ethnography.

Its portfolio of plan designs and incentive structures can be customized to fit an employer’s organizational culture and meet its needs.Using a single access point portal, RightOpt personalizes the experience for each member based on his/her health, adversity to risk, communication preferences, and readiness for change, and engages the participant throughout the year on all health-related decisions. Members choose a preferred plan options at enrollment, use those options throughout the year, and work to improve or maintain their health risks over time. The portal includes educational information, decision support tools, and health engagement resources to encour-age more informed decisions. Additional services for the employee, including lifestyle coaching, employee assistance programs, and member advocacy, are available to help participants stay on track to reduce health risks.Buck’s communicators develop a communication program to support the implementation of RightOpt, introducing employees to the exchange and encouraging them to take advantage of the tools and services available throughout the year to help them make more informed decisions about their overall health and well-being.The member-facing portal integrates disparate vendor sys-tems behind the scenes to ensure participants have access to the information they need from a single location.

Group Health BenefitsRightOpt: A private health insurance exchange for self-funded

and fully insured employers, offered by Buck Consultants, A Xerox Company.

PRIVATE EXCHANGE PROFILE

LeadershipSherri Bockhorst is the principal and leader of Buck Health Exchange Solutions, Buck Consultants. RightOpt, together with Xerox, positions Buck to support all three segments of emerging public and private health exchanges: government, payer, and employer. Xerox is administering Medicaid programs in 36 states and the District of Columbia, and providing technology and services support to the 20 top commercial health plans in the U.S.

Solution Benefits

Bottom Line Buck Consultants states the goal of RightOpt is to create a sustainable, benefit delivery platform built on its belief that the health of a business is dependent upon the health of its employees.

Contribute to the Health Care Consumerism conversation by submitting an article, blog, case study, white paper, podcast or video to The Institute for HealthCare Consumerism’s collaborative, membership-based online community (www.TheIHCC.com), as part of its bi-monthly eNewsletter or in the print and digital publication, HealthCare Consumerism Solutions.

We are actively looking for content including, but not limited to:

Platforms for Your Content:

1. The Institute for HealthCare Consumerism’s Online Community If you’re not already a member of our online community, simply sign up

for your FREE membership (at www.TheIHCC. com) and you can begin posting blogs and commenting in forums immediately. Your blog will be read by your fellow members who are employers, solution providers, brokers, advisors, consultants, human resources and benefi ts managers, C-suite executives, fi nancial management decision makers, TPAs, executives and administrators of regional health plan providers.

2. HealthCare Consumerism Solutions As the offi cial publication for The Institute, each issue is focused 100

percent on innovative health and benefi t management solutions. In addition to publishing this magazine eight times each year, you also can contribute to the annual Outlook edition, where the top industry thought leaders share their perspective on the coming year, and the Superstars edition where the top health care consumerism contributors are named. Each magazine is available digitally and in print.

3. HealthCare Exchange Solutions To better cover signifi cant changes in health benefi ts, The Institute has

created a new magazine supplement that is dedicated exclusively to covering exchanges and defi ned contributions. Debuting in the March/April issue of HealthCare Consumerism Solutions, Exchange Solutions will help employers, brokers, consultants and other stakeholders successfully navigate the changes ahead.

4. HealthCare Consumerism Today eNewsletter Within this bi-monthly email newsletter, subscribers and members of

the The Institute’s online community can expect a collection of fresh content, including recent blogs and posts delivered right into their inbox. Your content could be featured in the eNewsletter as a stand-alone piece, or linked from our online community.

By Sharing Your Voice or Research with Us, You are Sharing it with the Health and Benefi t Management Community and the Health Care Consumerism Conversation At-Large!

CALL FOR CONTENT LEARN. CONNECT SHARE.Share Your Opinions, Strategies, Case Studies, Blogs, White Papers, Podcasts and Videos Online, in Our eNewsletters or in Print to Our Widespread Audience of More Than 70,000 Readers!

To Submit Content: For more information, please contact The Institute for HealthCare Consumerism CEO and Founder, Doug Field at dfi [email protected]

The Collective Voice on Innovative Health & Benefit Management

in Our eNewsletters or in Print to Our Widespread Audience of More Than 70,000 Readers!

Health care reform and how it pertains to employersPharmacy and drug benefi t managementPopulation health and wellnessHealth care consumerism decision support toolsTrends in health care access

Trends in supplemental and voluntary health benefi tsBroker and consultant trendsTrends in health incentivesTrends in employee communication educationTrends in account-based and other plan designs

SAVE THE DATE

December 5-6, 2013LAS VEGAS

Red Rock Resort & Spa 2013

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JOIN THE INSTITUTE AND GET A DISCOUNT TO THE FORUMSWWW.THEIHCCFORUM.COM


2013EXHIBITORS

EXHIBITORS

ARAGwww.araggroup.com

ARAG® is a leading provider of voluntary legal insurance products and services for employers, membership groups and associations. More than 400 organizations count on ARAG to expand their benefi ts programs and gain a competitive advantage in attracting employees and members. We offer fully insured legal plans — not just discount services — which we believe results in greater satisfaction. Our turnkey solutions require minimal administration and are available at no cost to your organization.

Acclariswww.acclaris.com

Acclaris delivers fi nancial technology and services that power and simplify the complex administration of HSAs, HRAs, FSAs and much more for HR outsourcers, benefi ts administrators, fi nancial institutions and health plans. Acclaris offers clients an innovative approach to faster, more profi table growth, greater agility and higher member satisfaction.

America’s Health Insurance Plans (AHIP)www.ahip.org

America’s Health Insurance Plans (AHIP) is a national association representing nearly 1,300 member companies providing health insurance coverage to more than 200 million Americans.

Benefi tfocuswww.benefi tfocus.com

Benefi tfocus is a leading benefi ts technology provider. Over 18 million members and 300,000 employers use the Benefi tfocus cloud-based platform to shop, enroll, manage and exchange all their benefi ts in one place. From consumer engagement and enrollment to communication and billing,

Benefi tfocus is creating a better way to manage benefi ts.Castlight Healthwww.castlighthealth.com

Castlight Health enables employers, their employees, and health plans to take control of health care costs and improve care. With engagement rates up to 70% Castlight helps companies create true behavior change among employees so they can achieve proven, measurable results. Named #1 on The Wall Street Journal’s list of “The Top 50 Venture-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.

CDHCentricwww.experiencelab.com

ExperienceLab has created a breakthrough, patented communication program for employers that want to increase adoption and usage of consumer directed health (CDH) insurance plans among their employees. CDHCentric, sold on a subscription basis, delivers regular, multi-media communications that are tailored based on seven unique attitudinal segments developed from proprietary research.

Ceridianwww.ceridian.com

Ceridian is a global business services company that provides a variety of human resource solutions. From benefi ts to payroll services, we help organizations maximize their human, fi nancial and technology resources. Whether an organization’s goals are to save money or improve productivity, Ceridian provides the insights and solutions that ensure success.


2013

Change Healthcarewww.changehealthcare.com

Change Healthcare’s mission is to engage consumers in obtaining personalized, actionable cost-savings information that changes the way they purchase health care. Built on a database of claims from a national client base, CHC delivers savings to health plan members and employers, and offers the only tool able to generate and proactively communicate savings opportunities customized to the individual, their plan and their local area.

Consumer’s Medical Resourcewww.consumersmedical.com

Consumers Medical Resource (CMR) provides Medical Decision Support® (MDS) services to help its members become more empowered and accountable consumers of health care. MDS addresses all medical conditions and supports decisions at any point in the continuum of care, including: facilitating expert second opinions, confi rming diagnoses and treatment plans, and uncovering new treatment options.

Delta Dentalwww.deltadentalins.com

Delta Dental leads the industry in designing innovative dental coverage programs that keep costs down and deliver quality care. Our diverse client list includes everyone from Fortune 100 companies to public agencies to individuals and families. Our customer’s satisfaction is based on our expansive dentist network, cost-saving mechanisms and superior customer service. We are part of the Delta Dental Plans Association that provides dental coverage to more than 59 million people in the US.

Discovery Benefi tswww.discoverybenefi ts.com

Discovery Benefi ts is the 6th largest third party administrator of FSA, HSA, HRA, Transportation and COBRA plans. Discovery’s philosophy is to provide responsive and fl exible administrative services creating value for our clients and their employees. We are a consumer-focused organization

blending people and technology to provide high-quality customer service and administration.

empowriswww.empowris.com

empowris is a qualifi ed, accountable marketplace of the country’s top weight management programs, designed to provide your employee’s choice to drive engagement and create healthy outcomes. By qualifying programs, empowris ensures that employees are using programs designed for results. And, by building in accountability parameters for both programs and employees, success rates can be measured against employee investments.

First Stop Healthhttps://www.fshealth.com

First Stop Health is your personal online medical advice service. We offer 24/7 access to our US-based and licensed doctors for you and your entire family. Whether it’s advice, a prescription or just the peace of mind that you don’t need to go to the ER, our doctors can help.

Health Partners Americawww.healthpartnersamerica.com

Health Partners America creates tools, training and technology for fi nancial service professionals to help them sell more effectively. Through our thought leadership white papers, media appearances and keynote speaking, we build awareness around the REAL solutions to America’s health care crisis.

HealthSparqwww.healthsparq.com

HealthSparq offers an integrated health care transparency solutions platform that brings the online shopping experience to health care by leveraging provider and claims data with cost and treatment data linked together with community reviews and discussions. HealthSparq’s software-as-a-service platform is designed to be integrated into health plan and employer websites. HealthSparq is part of the Cambia Health Solutions family of companies and is located in Portland, Oregon. To learn more about HealthSparq, visit www.HealthSparq.com


EXHIBITORS

and follow @HealthSparq on Twitter. To receive a HealthSparq demo, please send an email to [email protected] or call 503-220-6200.

InsureXSolutionswww.insurexsolutions.com

InsureXSolutions® is a private exchange that helps businesses of all sizes in the new healthcare landscape. Available in select markets, InsureXSolutions offers defi ned contribution funding options, an online marketplace with multiple coverage options from leading insurance companies, decision support tools and a call center with licensed insurance professionals. InsureXSolutions is operated by Flexible Benefi t Service Corporation (Flex), a leading provider of consumer driven benefi t programs for the past 25 years. Learn more at www.insurexsolutions.com.

Kaiser Permanentewww.healthy.kaiserpermanente.org

Kaiser Permanente is committed to helping shape the future of health care. Our mission is to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 9 million members nationwide, including more than 240,000 members in metro-Atlanta.

Mayo Clinicwww.populationhealth.mayoclinic.com

Mayo Clinic extends medical expertise to people throughout their lives through its population health and third-party benefi ts administration solutions. An integrated suite of online, phone and print programs aim to facilitate wise health care consumerism by improving population health and increasing productivity. Benefi ts administration services include consumer-drive health plan options and reimbursement account options. Contact us to learn more about Mayo Clinic resources to improve health and increase engagement.

MedServ Globalwww.medservglobal.com

MedServ Global is leading the way in delivering effective and fl exible healthcare solutions that save money and improve health. Our Integrated HealthShare Solutions Platform transforms health benefi t plans by putting economic, health, and wellness choices into the hands of the people that are directly affected and provides the support to help them be better health care consumers. Each component is tailored to encourage personal involvement in altering health and health care purchasing behaviors which saves money for employers and employees while improving overall population health. By integrating components such as Education and Engagement, Access and Affordability, and Wellness and Incentives, these solutions create an environment that drives maximum adoption and effectiveness.

New Benefi tswww.newbenefi ts.com

New Benefi ts provides a full range of valuable non-insurance health and lifestyle benefi ts. Thousands of clients trust New Benefi ts to deliver superior products, customer service, administration, print services, billing and compliance. Stop by our booth to hear how Defi niteBenefi ts can help your employees save money on health care.

Orriantwww.orriant.com

Orriant helps businesses produce a better, more profi table product by creating a workforce that is healthier, more productive, and less expensive to insure. Orriant’s proven strategy is to hold people accountable for improving their health as an integral part of your benefi t strategy in a way that is fair and compassionate to all.


2013 EXHIBITORS

Protocol Driven Healthcare, Inc. (PDHI)www.pdhi.com

Protocol Driven Healthcare, Inc. (PDHI) is a health care technology company that licenses the ConXus® health improvement platform for the delivery of workplace wellness programs and wellness analytics. The ConXus Platform is used by wellness providers servicing many end clients and large employers delivering comprehensive wellness programs with coaching. ConXus modules can be deployed in multiple confi gurations to match client service levels, with additional localization for each end-client.

QuadMedwww.quadmedical.com

QuadMed is a nationally recognized leader in innovative healthcare solutions, and offers comprehensive healthcare services tailored to your company’s goals and employee health needs. QuadMed specializes in staffi ng, managing and operating employer-sponsored primary care centers that offer services spanning the care continuum to ensure a model that best meets our clients’ needs. This includes onsite, near-site, multiemployer/shared sites, corporate health suites and telehealth options.

SelectAccountwww.selectaccount.com

SelectAccount is one of the largest spending account administrators in the nation. Known for service excellence, health care expertise, and product innovation, SelectAccount offers a full line of spending accounts for one competitive fee and high interest rates. To learn more, visit www.selectaccount.com, or contact Larry Deegan at 1-847-273-1649.

Tango Health www.tangohealth.com

Tango Health helps reduce the total cost of health benefi ts for employers and employees by driving adoption of HDHP+HSA, eliminating the HSA administrative burden and maximizing the tax savings. Employers that are focused on containing or reducing their health care costs have come to rely on Tango’s software and services.

TSYS Healthcarewww.tsys.com

TSYS Healthcare TSYS Healthcare provides end-to-end strategic payment solutions for consumer directed healthcare. We partner with benefi ts administrators, fi nancial institutions, health plans and software providers to navigate all aspects of HSAs, HRAs, FSAs, cash reimbursements and lines of credit, rewards and claim payments. TSYS Healthcare cards offer participants the security they expect along with the ability to conveniently access funds from multiple accounts and manage their benefi ts payments with simplifi ed single-card access. Clients and partners benefi t from simplifi ed processes, reduced paperwork and cost savings that contribute to improved return on investment.

WeCare TLCwww.wecaretlc.com

WeCare TLC is a medical risk management company that leverages onsite primary care clinics to provide solutions to rising health care costs while improving patient health and wellness. Our holistic approach to care empowers the clinic staff to act as patient advocates, which increases compliance and decreases unnecessary expensive services.

Wiser Togetherwww.wisertogether.com

Wiser Together, helps patients choose the right care at the time. It offers an innovative online treatment selection & shared decision support platform that helps patients make evidence-based, cost effective treatment decisions across musculoskeletal, cardiovascular, mental health, diabetes, pregnancy and respiratory illnesses saving payers money. Currently 1.5 million members have access to the platform through employers and health plans in the country. WiserTogether was founded in 2008 and is based in Washington, DC.


DENTAL INTELLIGENCEAre You Ready to Sell Dental Benefi ts in the New Health Care Reform Environment?

Part two of a three-part series.BY RENE CHAPIN » DIRECTOR OF MEMBERSHIP & COMMUNICATIONS » NATIONAL ASSOCIATION OF DENTAL PLANS

Pediatric dental coverage will be required for children up to age 19.

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Programs designed for results.Incentives designed to motivate.

When your wellness program is the right match for your goals and your people, it delivers results. gBehavior structures wellness programs for measurable success. And InteliSpend creates incentives to focus participants on your goals. Together, we help you realize new levels of wellness.

Email [email protected] for intelligent answers to your wellness needs.

888-949-0541gBehavior.com

888-874-5602InteliSpend.com

Visit us at the IHC Forum East in Atlanta, May 9-10, Booth #101.

Reward cards are issued in connection with a loyalty, award or promotion program. MasterCard® prepaid cards are issued by MetaBankTM, Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.© 2013 InteliSpend Prepaid Solutions, LLC


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California Colorado Connecticut HawaiiIdahoKentucky Maryland Massachusetts Minnesota Nevada New Mexico New York Oregon Rhode IslandUtah Vermont WashingtonWashington, D.C.

Arkansas: conditional approval Delaware: conditional approval Illinois: conditional approvalIowa Michigan New Hampshire West Virginia

AlabamaAlaskaArizonaFlorida Georgia Indiana Kansas Louisiana MaineMississippi Missouri Montana NebraskaNew Jersey

North Carolina North Dakota Ohio OklahomaPennsylvania South Carolina South DakotaTennessee Texas VirginiaWisconsin Wyoming

Programs designed for results.Incentives designed to motivate.

When your wellness program is the right match for your goals and your people, it delivers results. gBehavior structures wellness programs for measurable success. And InteliSpend creates incentives to focus participants on your goals. Together, we help you realize new levels of wellness.

Email [email protected] for intelligent answers to your wellness needs.

888-949-0541gBehavior.com

888-874-5602InteliSpend.com

Visit us at the IHC Forum East in Atlanta, May 9-10, Booth #101.

Reward cards are issued in connection with a loyalty, award or promotion program. MasterCard® prepaid cards are issued by MetaBankTM, Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.© 2013 InteliSpend Prepaid Solutions, LLC


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VICE PRESIDENT OF APPLIED SCIENCE AND PERFORMANCE TRAININGWELLNESS & PREVENTION, INC.

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Never Too Old to Learn a New Trick

0RELOH�+HDOWK�6ROXWLRQV� Can Help Manage Chronic Diseases

BY GEETA NAYYAR, MD., MBA CHIEF MEDICAL INFORMATION OFFICER AT&T FORHEALTH

“Somehow, doing it on the phone gave me a little more motivation. It’s like having somebody there to remind you.”

— Art Schwab, pilot participant

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It’s the benefit of knowing.


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In today’s world, consumers are inundated with information — but personalized messages break through the clutter. A recent Harris Interactive study found that 96% of consumers value personalized health care reminders, while only 10% appreciate generic messages.

Join Truven Health Analytics and

PhaseOne Communications for an hour-

long web seminar and learn how you can

increase the impact of your messages

through personalization and advanced

analytics. You’ll learn best practices

for connecting with consumers on an

emotional level to overcome barriers

to behavior change. In addition, you’ll

see case studies of how personalized,

actionable reminders have encouraged

individuals to become actively involved

in managing their care — resulting in

improved wellness and reduced costs.Date: Tuesday, April 23, 2013

Time: 2:00 p.m. ET

Info: [email protected]

Live & On-Demand: www.theihcc.com/en/events/webinars/

WEBINAR

Drive Behavior Change With Innovative CommunicationTuesday, April 23, 2013

To learn more, check out the Institute for Healthcare Consumerism’s website at www.theihcc.com

Terry VillinesDirector of AnalysisPhaseOne Communications

Shannon GrahamCommunications AnalystManager/Analytical Unit LeadPhaseOne Communications

Matt CollinsDirector, Consumer ProductsTruven Health Analytics


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Result HighlightsEnd-user feedback from an online survey of AT&T DiabetesManager employee pilot participants indicate:

72 percent rated DiabetesManager “highly useful” as a tool to help them manage their diabetes [rated 4-5 on a 5-point scale]

81 percent would continue to use the solution after the initial pilot period

91 percent would recommend the solution to someone else

“When my blood sugar would plummet, I had nobody here to monitor and follow up. When I test my sugar now and put in the fact that

my blood sugar is 42, the machine says, ‘holy smokes’ and tells me to eat.”

— Anne McQuade, pilot participant

42 March/April 2013 I HealthCare Consumerism Solutions™ I www.TheIHCC.com42 March/April 2013 I HealthCare Consumerism Solutions™ I www.TheIHCC.com™ I www.TheIHCC.com™

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42 September/October 2012 I HealthCare Consumerism Solutions™ I www.TheIHCC.com

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HSA/HRA/FSA TECHNOLOGY: ADMINISTRATION & MANAGEMENT

TSYS Healthcare® provides end-to-end strategic payment solutions for consumer directed healthcare. We partner with benefits administrators, 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.”

— Trey Jinks, Group Executive, TSYS Healthcare

TSYS HEALTHCARE706.649.5080www.tsys.com/[email protected]

Evolution1 and our Partners serve more than 9 million consumers, making us 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 offers a single end-to-end user experience, provides innovative auto-substantiation technologies, and automates workflow for Partners, employers, and consumers. It does all this on one technology platform comprised of 1Cloud™, 1Direct™, 1Pay™, 1View™, 1Plan™, and 1Mobile™. Evolution1 and our 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

HSA / HRA / FSA ADMINISTRATION AND FINANCE

EVOLUTION1, [email protected]

HSA ADMINISTRATION & FINANCE

At HSA Bank, we’ve been helping businesses optimize their health care spending for over 15 years. We offer unmatched service and expertise when it comes to health-based savings accounts. You can count on our dedicated business relations team for turnkey solutions and ongoing support that help your business and workforce save for a healthy future. To connect with your regional representative, call 866.357.5232 or visit hsabank.com.

“When implementing one of the first Medical Savings Account programs in the country, I had a belief that health care could be fixed with free-market principles. I still do. By adopting flexible and transparent practices that manifest core attributes of consumerism such as private exchanges, defined contributions, and self-funding; we will reform health care in our nation.”

— Kirk Hoewisch, Co-Founder and President, HSA Bank, a division of Webster Bank, N.A.

HSA BANK605 N. 8th Street Suite 320Sheboygan, Wisconsin 53081United States of America

800.357.6246www.hsabank.com

WageWorks helps employers

support consumer directed

pre-tax benefit programs,

including health care

(FSA, HSA, HRA), wellness

programs, commuting and

child and elder care. Wage

Works also offers retiree health care and COBRA Services.

More than 100 of America’s Fortune 500 employers and

millions of their employees use WageWorks.

HSA / HRA / FSA ADMINISTRATION AND FINANCE

WAGEWORKS1100 Park Place, 4th Floor San Mateo, California 94403United States of America

888-9905099www.wageworks.com

WWW.THEIHCC.COMCORPORATE MEMBER PROFILES

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FSA/HRA/HSA/TRANSIT/COBRA: ADMINISTRATION & MANAGEMENT

efl exgroup (efl ex) is a nationwide administrator of pre-tax benefi ts and COBRA. Committed to providing fast answers, fast claims, and web self-service, we set the industry standards for service. With a customer focus and Lean Six Sigma methodology, we don’t talk about service, we prove it. See our metrics at efl exgroup.com.

“efl exgroup’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 efl exgroup is simply the best!”

— Kimberly Adams, Southeast Energy Assistance [testimonial]

efl exgroup2740 Ski LaneMadison, WI 53713

877.933.3539 ext 300 www.efl exgroup.comefgsales@efl exgroup.com

HEALTH DECISION SUPPORT TOOLS

Castlight Health enables employers, their employees, and health plans to take control of health care costs and improve care. Named #1 on The Wall Street Journal’s list of “The Top 50 Venture-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.

Giovanni Colella, M.D.CEO and Co-Founder, Castlight Health

CASTLIGHT HEALTH85 Market Street, Suite 300San Francisco, CA 94105

415.829.1400www.castlighthealth.com

PROFESSIONAL DEVELOPMENT

Health Insurance 101: An Orientation is a new, fl exible 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 fi t your organization’s specifi c learning requirements.

AMERICA’S HEALTH INSURANCE PLANS 601 Pennsylvania Ave., NWSouth Building, Suite 500Washington, D.C. 20004Lindsey Miranda Canaley

Tel: 800.509.4422Fax: 202.861.6354 [email protected] www.ahip.org/courses

HEALTHCARE DATA ANALYT ICS

Med-Vision delivers health-plan ris k management and wellness strategies to help employer groups achieve optimal employee health. Med-Vision’s healthcare data analysis tool, Med-View, guides employers in mitigating health risks. With Med-Vision’s help, self-funded employers, healthcare facilities, municipalities, and school districts have reversed trends and decreased healthcare costs while enhancing care.

“You can’t change what you can’t measure. That’s why Med-Vision leverages Med-View’s analytics tool to investigate employee-health data and determine actionable solutions for employers. Med-Vision uses the data to implement innovative and customized plans for strategic wellness and disease management. Results include healthier employees, greater productivity, and drastically lower healthcare costs.”

— Connie Gee, Vice President, Wellness Strategist & Health Data Analyst

MED-VISION LLCConnie Gee, Vice [email protected]

813-205-1577www.med-vision.comwww.med-view.net




DataPath, Inc., is one of nation’s largest providers of CDH solutions specializing in account-based administration systems.

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.”

DATAPATH, INC.1601 WestPark Drive, Suite 9Little Rock, AR 72204

501.296.9990www.dpath.com


LifeSynch changes behaviors to improve lives. Our approach integrates care of the mind and body to enhance health, increase productivity and minimize unnecessary medical expenses. Built on a solid foundation of understanding human behavior and how to motivate behavior change, we deliver proven outcomes through:

“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,

LIFESYNCH2101 W. John Carpenter FrwyIrving, Texas 75063800-207-5101www.lifesynch.com

TOTAL POPULATION HEALTH MANAGEMENT

Q Proven methods that lead to increased engagement and sustained behavior change.

Q Clinicians and coaches who provide personalized attention and form trusted relationships with members.

Q Customizable programs that easily incorporate into existing benefits and services.

Q Scientifically proven best-practice guidelines to proactively manage care.

Q Scalable, user-friendly technology.

At Flex, we believe in making health benefits more affordable for everyone. For 25 years, we have enabled thousands of clients to make their health care dollars go further with our consumer driven plans and benefits administration services, including:Q Flexible Spending Accounts (FSAs)Q Health Reimbursement Arrangements

(HRAs)Q Health Savings Accounts (HSAs) Q Transit/Parking Reimbursement Accounts (TRAs)Q COBRA AdministrationQ And more!Flex continues to evolve and enhance our product portfolio with the addition of our scalable private insurance exchange, InsureXSolutions™. This latest innovation promotes a defined contribution funding model that allows employers to provide health and retiree benefits at a fixed cost, while offering employees with access to coverage options through our online insurance marketplace All Flex clients receive our personalized customer service and a wealth of resources that make our plans easy to use. Each plan we administer comes with online account access, simple transaction tools like debit cards, custom educational resources and unrivaled plan design expertise to keep you in compliance every step of the way.


FLEXIBLE BENEFIT SERVICE CORPORATION (FLEX)10275 W. Higgins Road, Suite 500 Rosemont, IL 60018

+1-888-353-9178 [email protected] www.flexiblebenefit.com

HEALTHCARE ACCESS

HealthPerx is a health and wellness marketing company specializing in creative non-insurance benefit solutions that reduce absenteeism, increase productivity and decrease healthcare costs. Consultants: These benefits differentiate you from competitors. Corporations: These will give you a far greater ROI than your wellness program while saving your employees thousands of dollars a year. Differentiator: Q Telemedicine Services: offering the entire family unlimited calls with no consult fees

24/7/365—anytime from anywhereQ Additional Health Benefits: offering significant savings for pharmacy, dental, vision,

medical advocacy, travel assistance, telephonic counseling (EAP) and moreQ Turnkey Program: billing, administration, fulfillment, call center,

marketing HealthPerx benefits complement any and all existing benefit plans.

— Je" Marks, CEO

HEALTHPERXJeff Marks, [email protected]

Direct: 205 222-4062Toll Free: 888 417-6187www.hperx.com


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MasterCard (NYSE: MA),

is a global payments and

technology company.

It operates the world’s fastest payments processing network,

connecting consumers, financial institutions, merchants,

governments and businesses in more than 210 countries and

territories. MasterCard’s products and solutions make everyday

commerce activities—such as shopping, traveling, running a

business and managing finances—easier, more secure and more

efficient for everyone.

MASTERCARD WORLDWIDE2000 Purchase St.Purchase, NY 10577-2509

HEALTH ACCESS ALTERNAT IVES

Carena provides 24/7, on-demand access to health care by phone, webcam, and house call. Seattle-based Carena is committed to delivering the best health care experience possible. Its technology-enabled care delivery model provides on-demand access to health care 24/7, via phone, secure video, and house call. Carena provides health care solutions to patients through employers, health systems and through its consumer service, CareSimple.

“People are paying more out of pocket for care than ever—through higher co-pays and deductibles, reduced benefits, and in the rising costs of goods and services. Taken together, health care has become more expensive and less accessible. Our goal is to make health care more affordable by providing the right care at the right time for the right cost; to help people live healthier lives by removing the barriers to people taking control of their health care.”

— Ralph C. Derrickson, President & CEO, Carena

CARENA, INC.1525 4th Avenue, Suite 300Seattle, WA 98101

800.572.2103www.CarenaMD.com [email protected]

TOTAL POPULAT ION HEALTH MANAGEMENT

Orriant helps businesses produce a better, more profitable product by creating a workforce that is healthier, more productive, and less expensive to insure.

Orriant’s proven strategy is to hold people accountable for improving their health as an integral part of your benefit strategy in a way that is fair and compassionate to all. “Employers can fight back to control rising health care costs. Orriant’s strategies have helped major employers from almost every industry cut the cost of health care, improve the health and productivity of their workforce, and push hundreds of thousands of dollars to their bottom lines.”

— Darrell Moon, Orriant CEO

ORRIANT9980 South 300 West Ste. 100Sandy, Utah 84070

801.574.2603 www.orriant.com [email protected]

HSA/HRA/FSA TECHNOLOGY: ADMINISTRATION & MANAGEMENT/PRIVATE EXCHANGE

Workable Solutions is based in Orlando, FL and provides a full array of employee benefit solutions including HSA, HRA, FSA and commuter accounts, COBRA administration, and benefits administration outsourcing. They offer a comprehensive benefit exchange application, Workable Choice, which provides plan selection assistance, comparison-shopping technology, eligibility management, enrollment, consolidated billing, and more. Workable also offers a myriad of defined contribution options, which allow employers to control their employee health care costs while giving their employees greater choice and flexibility. “As a small business, we understand first-hand what challenges a small business faces. At Workable Solutions, we can help you control the cost of employee benefits. Workable Choice is a private exchange solution that makes offering defined contribution and a multitude of consumer-driven products easy and affordable.”

— Terry McCorvie, President/CEO, Workabe Solutions, Inc.

WORKABLE SOLUTIONS, LLC7120 Lake Ellenor Dr.Orlando, FL 32809

800.946.6342Fax: 407.540.1749www.workablesolutions.com




HEALTH INCENTIVES

MedEncentive offers a

patented, web-based

incentive system that’s been

independently validated

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

embraced by users.

MEDENCENTIVECecily HallExecutive Vice President

[email protected]

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.

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

HEALTH ACCESS ALTERNATIVES

WE CARE TLC120 Crown Oak Centre DrLongwood, FL 32750

800.941.0644 [email protected]

ExperienceLab has created a breakthrough, patented communication program that saves employers money by increasing adoption and usage of consumer directed health (CDH) insurance plans among their employees. CDHCentric, sold on a subscription basis, 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

CDHCENTRIC507 S. 8th Ave. Bozeman, Montana 59715


EMPLOYEE COMMUNICATION AND EDUCATION

Transitions Optical, Inc. is the maker of Transitions® lenses, the #1-eyecare professional recommended photochromic lenses worldwide.

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.”

TRANSITIONS OPTICAL9251 Belcher RoadPinellas Park, FL 33782

800.533.2081 ext. 2262www.healthysightworkingforyou.org

SUPPLEMENTAL HEALTH


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EMPLOYEE ENGAGEMENT TOOLS

Under the CIVA (CodeBaby Intelligent Virtual Assistant) brands of benefi ts and health advisor, CodeBaby improves the healthcare consumer experience and optimizes online self-service on any web-based platform or device with absolutely no IT disruption. Benefi ts advisor offers guidance and self-service options that help consumers and organizations alike to make better decisions about benefi ts selection. Health advisor engages new patient visitors on hospital or offi ce websites or existing patients on wellness, prevention & disease management platforms.

“With the rapid changes in health care, our solutions provide organizations innovative ways to optimize their current platform while meeting the demand for an enhanced online experience. CIVA benefi ts and health advisor solutions are industry-leading models that help consumers and organizations more effi ciently navigate complex health benefi t exchanges and patient portals. “

-Dennis McGuire, CEO

CODEBABY CIVA111 S. Tejon St. Suite 107Colorado Springs, CO 80903877.334.3465codebaby.com/[email protected]

HEALTH DECISION SUPPORT AND COST-SAVING TOOLS

WiserTogether Inc., helps patients

choose the right care at the time. It

offers an innovative online treatment

selection & shared decision support

platform that helps patients make

evidence-based, cost effective

treatment decisions across musculoskeletal, cardiovascular, mental health,

diabetes, pregnancy and respiratory illnesses saving payers money. Currently

1.5 million members have access to the platform through employers and health

plans in the country.

WiserTogether was founded in 2008 and is based in

Washington, DC.

— Praveen Mooganur, COO

WISER TOGETHERPraveen Mooganur

202.276.3074

[email protected]

BENEFIT ENROLLMENT AND ELIGIBILITY

Totem Solutions is a boutique benefi ts consulting and administration fi rm offering highly specialized services and products. We serve benefi t management and HR professionals as an extension of their team, allowing them to focus on key initiatives and core strengths. Our services include Employee Benefi ts Consulting, Benefi ts Administration, Enrollment, & Communication, Health Care Reform Education, Enrollment, Reporting & Compliance, Leave and Disability Management Administration.

“We are hands-on benefi ts advisors for public and private sector companies throughout the country. Totem delivers employer-centric service that simplifi es benefi ts administration and enrollment in order to facilitate employee understanding and ensure the best possible employee experience. Our goal is also our great passion and commitment: to offer organizations clear and accurate counsel accompanied by services and solutions that are easy to access, seamlessly implemented and custom fi t, while providing a worry-free outsourcing solution.”

— Debbie Schultz, President, CEO, Totem Solutions

TOTEM SOLUTIONS11330 Lakefi eld DriveBldg 1, Ste 150Duluth, GA 30097

770-295-1600Toll-free 866-481-4917www.totemsolutions.com

SUPPLEMENTAL HEALTH

Delta Dental leads the industry in designing innovative dental coverage programs that keep costs down and deliver quality care. Our diverse client list includes everyone from Fortune 100 companies to public agencies to individuals and families. Our customer’s satisfaction is based on our expansive dentist network, cost-saving mechanisms and superior customer service. We are part of the Delta Dental Plans Association that provides dental coverage to more than 56 million people in the US.

DELTA DENTAL1130 Sanctuary Pkwy, Suite 600Alpharetta, GA 30009

770-641-5196




BENEFIT ADMINISTRATION/PRIVATE EXCHANGES

Since 1988, CieloStar (formerly OutsourceOne) has helped brokers, employers and employees navigate the ever-changing world of benefits. Now, with the dawn of “Defined Contribution Health Care” we are again on the leading edge. With a team of industry thought leaders, CieloStar makes navigating healthand benefits choices easy for employers and employees by offering comprehensive benefits administration solutions with a high-touch, high technology model—most recently launching a proprietary private health insurance exchange.

“Fueled by the far-reaching impact and complexities of health care reform taking effect in 2013 and 2014, employers and employees increasingly find themselves in a ‘farmer’s market’ of benefits choices. Cielostar is uniquely positioned with enabling technology that helps purchasers and consumers make the best possible decisions and create a best-in-class benefits administration process. Our unique comprehensive approach to benefits offers everything from back room technology for enrollment, data, billing and call centers to complete solutions for COBRA, CDHP and health insurance exchanges.”

— John Reynolds, CEO, Cielostar

CIELOSTAR530 U.S. Trust Building730 Second Avenue SouthMinneapolis, MN 55402


HEALTH DEC IS ION SUPPORT TOOLS

FSAstore.com is the only one-stop-shop exclusively stocked with FSA eligible products and services. At FSAstore.com, consumers have access to more than 4,000 FSA eligible products, a national database of FSA eligible services, and much-needed information through the FSA Learning Center. FSAstore accepts all FSA and major credit cards, offers 24/7 customer service, one-to-two-day turnaround for all orders, and free shipping on orders over $50.

“Each year consumers lose hundreds of millions of dollars simply because they do not deplete all of the pre-tax funds available to them in their FSA. But this year, more consumers than ever are realizing that they can use that money to buy many of the daily health products they need, and without a prescription. FSAstore.com strives to make it easy for participants to use and understand their FSAs.”

— Jeremy Miller, Founder and President, FSAstore.com

FSASTORE.COM244 5th Avenue, Suite J-257New York, NY 10001

888.FSA.1450 (372-1450)

HEALTH DECISION SUPPORT TOOLS

Truven Health Analytics, formerly Healthcare at Thomson Reuters, delivers unbiased information, analytic tools, benchmarks, and services to the health care industry.

Hospitals, government agencies, employers, health plans, clinicians, and life sciences companies have relied on us for more than 30 years. We combine deep clinical, financial, and health care management expertise with innovative technology platforms and information assets to make health care better by collaborating with our customers to uncover and realize opportunities for improving quality, efficiency, and outcomes.

TRUVEN HEALTH ANALYTICS6200 S Syracuse Way, Suite 300Greenwood Village, CO 80111

734.913.3000

TOTAL POPULAT ION HEALTH MANAGEMENT

Level1Diagnostics uses new tools to evaluate employees’ cardiovascular healthHeart disease is the number one killer in the U.S. and costs millions of dollars in medical care and time lost from work. Detection and prevention is the key to heart health. Level1Diagnostics is an innovative program that, unlike conventional cardiology tests, provides new advanced technology testing and methods to detect and prevent the earliest signs of cardiovascular disease and encourage optimal health.

“The biggest problem with traditional cardiology is that it is not preventive—there isn’t a testing program to evaluate people who don’t have any symptoms of heart disease, but may be at significant risk. Drugs and surgery are offered to patients instead of lifestyle change programs and supplements.”

—Dr. Steven Helschien, Founder, Level1Diagnostics

LEVEL1DIAGNOSTICS11722 Lightfall CourtColumbia, MD 21044

Dr. Steven Helschien, FounderSales: Penny Aleo, Executive [email protected]

Dr. Steven M. HelschienFounder and CC&BW

www.level1diagnostics.com410-707-5667 ◆ [email protected]

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If you use the services of our solutions providers, please tell them you saw their ad in +HDOWK&DUH�&RQVXPHULVP�6ROXWLRQV™.5HTXHVWV�IRU�3HUPLVVLRQV�WR�UHXVH�FRQWHQW��FRQWDFW� &RS\ULJKW�&OHDUDQFH�&HQWHU�DW�LQIR#FRS\ULJKW�FRP�

ADVERTISING CONTACTS

Acclaris ................................................. 27

AHIP ................................................27, 44

Alegeus Technologies ............................ 26

AmeriFlex ............................................... 24

ARAG ..................................................... 27

Best Buy ........................Inside Back Cover

Benefitfocus ........................................... 27

Buck Consultants .........................HCES 12

Carena ................................................... 46

Castlight Health ...............................27, 44

Ceridian ................................................. 27

CieloStar ..........................................24, 49

CDHCentric ......................................27, 47

Change Healthcare ................................. 28

CodeBaby ............................................... 48

ConnectYourCare ................................... 22

Consumer’s Medical Resource ................ 28

DataPath ................................................ 45

Delta Dental .....................................28, 48

Discovery Benefits .................................. 28

eflexgroup .............................................. 44

empowris ............................................... 28

Evolution1 ........................................18, 43

First Stop Health .................................... 28

Flexible Benefit Service Corporation .......45

Foundation for Chiropractic Progress ......19

FORUMWest Save the Date ...........HCES 16

Fusion Health ......................................... 36

FSA Store ............................................... 49

GBehavior .............................................. 32

Health Partners America ........................ 28

HealthPERX ............................................ 45

HealthSparq ........................................... 28

HealthStat ............... Inside Front Cover, 25

HSA Bank ........................................21, 43

IHC Call for Content......................HCES 15

IHC Corporate Member ...................HCES 8

IHC Webinar - Truven .............................40

InsureXSolutions .................................... 29

Intellispend ............................................ 32

Jellyvision .............................................. 21

JP Morgan .............................................. 20

Kaiser Permanente ................................. 29

Level1Diagnostics .................................. 49

LifeSynch ............................................... 45

MasterCard ......................................18, 46

Mayo Clinic ........................................... 29

MedEncentive ..................................19, 47

MedServ Global...................................... 29

MedVision .............................................. 44

Mercer Marketplace .................26, HCES 2

New Benefits .......................................... 29

Orriant .............................................29, 46

PayFlex .................................................. 20

Protocol Driven Healthcare, Inc. (PDHI) ..30

QuadMed ............................................... 30

SelectAccount ..................................30, 38

Tango Health ......................................... 30

Target GiftCards ..................................... 12

Totem Solutions ..................................... 48

Transitions ............................................. 47

Truven Health Analytics .....................5, 49

TSYS Healthcare ........................10, 30, 43

UnitedHealthCare ...............23, Back Cover

Visa ....................................................... 23

WageWorks .....................................25, 43

WeCare TLC .....................................30, 47

Wiser Together ................................30. 48

Workable Solutions ............22, 46, HCES 6

ADVERTISING INDEX

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For more information, visit welcometomyuhc.com or call 1-866-438-5651.

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