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HealthFlex Plan Sponsor Conference Calls PowerPoint PPT Presentation


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HealthFlex Plan Sponsor Conference Calls. December 7-8 , 2010. Agenda. Health Care Reform Update Wellness Programs Update Retiree Health Plans Update Active Plans Update. HealthCare Reform Update. Small Business Health Care Tax Credit Other updates.

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HealthFlex Plan Sponsor Conference Calls

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Healthflex plan sponsor conference calls

HealthFlexPlan Sponsor Conference Calls

December 7-8, 2010


Agenda

Agenda

  • Health Care Reform Update

  • Wellness Programs Update

  • Retiree Health Plans Update

  • Active Plans Update


Healthcare reform update

HealthCare Reform Update

  • Small Business Health Care Tax Credit

  • Other updates


Healthflex wellness programs recommended updates for 2011

HealthFlex Wellness ProgramsRecommended Updates for 2011

  • Screening program improvement

  • 2011 incentives strategy

  • Communications support

  • 2011-2012 Virgin HealthMiles transition


Screening program rationale

Screening Program Rationale

  • Comprehensive screening panel that does not vary by region or physician

  • Economy of scale for purchasing of comprehensive screening

  • Ease and clarity of incentive administration(unlike wellness exams)

  • Data available for population analysis


Screening program improvement

Screening Program Improvement

  • Improved access for participants/spouses:

    • Events (Annual Conference, Employee Event)

    • Local Quest service centers

    • (Physician verification form—exception)

  • Onsite event improvements

    • Online/phone scheduler

    • Plan sponsor administrative access

    • (Note: only eligible individuals can participate)


Screening program improvement1

Screening Program Improvement

  • Greater administrative control and efficiencies:

    • Phlebotomist oversight and quality control

    • Data export to WebMD and Ingenix

    • Expanded aggregate reporting for plan sponsors and HealthFlex


Toolkits for new screenings

Toolkits for New Screenings

  • Administrative Toolkit

    • Executive Summary/FAQ

    • Event “How-to” checklist

    • Physician form—exception instructions

  • Communications Toolkit

    • Promoting onsite events

    • Informing non-attendees how to accesslocal service centers

    • Participant FAQ (including privacy information)


2011 healthflex incentives targeted behaviors

2011 HealthFlex Incentives: Targeted Behaviors

1

Complete Quest screening

 Earn $100 HealthCash

Complete HealthQuotient

 Avoid higher 2012 deductible

Take Action Post-HQ! (i.e. Health Coaching)

 (Set up for possible future incentives)

2

3


Incentive timing defined periods for each desired action

Incentive Timing: Defined Periods for Each Desired Action

  • Ease of communicating deadlines

  • Screening precedes HQ to allow data import

  • Screening and HQ need to precede coaching

  • Distinct time periods for each behavior; screening close to HQ completion and creation of action plan with WebMD coach

  • HQ completion deadline must be before AE to allow completion data (not results) to be shared with carriers.


2011 incentives schedule

2011 Incentives Schedule

1

April-July 2011: Complete Quest screening

 Earn $100 HealthCash

Aug-Sept 2011: Complete HealthQuotient

 Avoid higher 2012 deductible

September + : Post-HQ Take Action! (i.e. Health Coaching)

 (Set up for possible future incentives)

2

3


2011 incentives communications plan

2011 Incentives: Communications Plan

  • Plan Sponsor Communications Toolkits

    • Incentives overview (late December)

    • New Quest screenings (January/February)

    • HealthQuotient blitz (late June)

  • Participant Communications

    • Incentives introduction (January/February)

    • Incentives kickoff/Quest reminder (Late March)

    • 1 Quest deadline reminder (late July)

    • 2 HQ reminders (late July and late September)


Healthmiles objectives for 2012

HealthMiles Objectives for 2012

  • Enhance incentives:

    • More directly tied to desired behaviors (avoid engagement “gaps”)

    • Sustain interest and finances over a longer period

    • Allow integration with other HealthFlex incentives (HQ, Quest screening, coaching)

  • Improve administration:

    • Calendar-year program for all individuals, regardless of enrollment date

    • Messages and incentives same for all individuals


2012 healthmiles transition

2012 HealthMiles Transition

  • Beginning January 1, 2012, all participants will begin a calendar-year program

    • Quarterly “tasks” rather than 12 months-levels

  • Shortened earning period for program years beginning in 2011

    • Anniversary e-mails starting Jan 2011 to inform participants of shortened time to reach target levels


2012 healthmiles transition1

2012 HealthMiles Transition


Retiree health plans strategy proposed 2012 2013 objectives

Retiree Health Plans Strategy Proposed 2012–2013 Objectives

Changes that allow for:

  • Reduced/stabilized premium costs and liability exposure

  • Reduced administrative exposure

  • Increased flexibility and agility

  • Increased choice


Retiree health plans strategy proposed 2012 2013 objectives1

Retiree Health Plans Strategy Proposed 2012–2013 Objectives

  • Multi-year phased approach: by 2013 or 2014, all plan sponsors transitioned to Individual Plans Market option

    2012

    • Existing Medicare Companion/Rx Plans (with changes); or

    • Individual Medicare Supplement Plans Market (via Extend Health)

      2013

    • Individual Medicare Supplement Plans Market only; or

    • Same two options as 2012

      2014

    • Individual Medicare Supplement Plans Market Only


Retiree health plans strategy proposed 2012 2013 objectives2

Retiree Health Plans Strategy Proposed 2012–2013 Objectives

Business model* for “Individual Medicare Supplement Market” Option:

  • Creates an “exchange” for most available plans in geographic-specific market (Medicare Advantage, Medigap, Dental and Vision)

  • Manages eligibility, enrollment and annual renewals for plan sponsor retirees

    *Refer to “Retiree Health Plans Solution Diagram”


Retiree health plans strategy proposed 2012 2013 objectives3

Retiree Health Plans Strategy Proposed 2012–2013 Objectives

  • Health Reimbursement Account (HRA) used for premium and eligible expense reimbursement

  • Lifetime customer service and advocacy provided by benefit advisors


Retiree health plans strategy proposed 2012 2013 objectives4

Retiree Health Plans Strategy Proposed 2012–2013 Objectives

  • Existing Medicare Companion/Rx plan changes: aligned with transition to new offering; phase out by 2013 or 2014

    2012

    • Eliminate MC3; increase MC1 and MC2 OOP’s

    • Eliminate FX1; increase FX2/P1/P2 OOP’s (same as with active plans )

      2013

    • MC1, 2 and 3—no longer offered?? (or 2014 total phase-out)

    • Eliminate FX2 (same as with active plans)

      2014

    • MC1, 2 and 3—no longer offered


Retiree health plans strategy proposed next steps

Retiree Health Plans Strategy Proposed Next Steps

  • Q1 2011

    • Webconference with HealthFlex and Extend Health with each interested plan sponsor

    • Model impact to plan sponsor: HRA funding, disruption to participants, etc.

  • Q2 2011

    • Plan sponsor adoption for 2012


Active plans strategy proposed 2012 2014 objectives

Active Plans Strategy Proposed 2012–2014 Objectives

Trends necessitate changes:

  • Reduce/stabilize cost exposure for plan sponsors and plan

  • Greater consistency and equity in shared responsibility across plan sponsors

  • Streamlining of plans

  • Changes in plan benefits


Active plans strategy proposed 2012 2014 objectives1

Active Plans Strategy Proposed 2012–2014 Objectives

  • Refer to “Active Plans Strategy Summary”


Healthflex plan sponsor conference calls

1-800-851-2201

www.gbophb.org


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