 |
| Sep 30, 2009 |
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CDHP adoption rate rose among big employers, despite the economy |
| Sep 16, 2009 |
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Employees like their health plans, despite gaps in understanding |
| Sep 10, 2009 |
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Obama proposes controversial employer mandate, public option |
| Sep 1, 2009 |
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Hospital cracks down on ER visits |
| Aug 20, 2009 |
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COBRA enrollment soars, reports Hewitt |
| Aug 11, 2009 |
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NY law seen as harbinger of more state health reform |
| Aug 4, 2009 |
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Near-term health trends familiar, irrespective of reform |
| Jul 21, 2009 |
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Employers lukewarm on public-plan option, survey shows |
| Jul 17, 2009 |
|
House committee approves health reform bill |
| Jul 15, 2009 |
|
Senate committee passes health reform bill |
| Jul 7, 2009 |
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‘Pay or play’ not as painful as originally thought |
| Jul 1, 2009 |
|
Five costly conditions to watch |
| Jun 30, 2009 |
|
Americans go online for health information |
| Jun 23, 2009 |
|
Pennsylvania passes mini-COBRA law |
| Jun 16, 2009 |
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Health benefits taxation takes center stage |
| Jun 8, 2009 |
|
Obama alters stance on health reform proposals |
| May 28, 2009 |
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Mail trail shows health insurers readying for reform |
| May 19, 2009 |
|
Health care costs hit women harder |
| May 7, 2009 |
|
To see a doctor, get in line |
| May 1, 2009 |
|
Considering the exit ramp: Employers rethink offering health benefits |
| Apr 23, 2009 |
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Hard times tighten ‘use-it-or-loss-it’ bond to health benefits |
| Apr 13, 2009 |
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COBRA subsidy expected to be costly |
| Apr 6, 2009 |
|
Workplace wellness bill reintroduced with greater support |
| Mar 24, 2009 |
|
New COBRA model notices released |
| Mar 10, 2009 |
|
Twelve ways to slash medical bills |
| Mar 1, 2009 |
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Self-insuring is a way for employers to get 'a whole lotta cannoli' |
| Feb 23, 2009 |
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Employers turn to eligibility audits, voluntary benefits to control health care costs |
| Feb 11, 2009 |
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Senate, House debate COBRA subsidy |
| Feb 3, 2009 |
|
Dems optimistic on comprehensive health reform |
| Feb 1, 2009 |
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How's this for an incentive? You get to keep your health insurance |
| Jan 27, 2009 |
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Medicare reimbursement shakes things up |
| Jan 20, 2009 |
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Health benefit costs continue to rise, survey shows |
| Jan 13, 2009 |
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N.Y. proposes policy requiring employers to extend dependent coverage |
| Jan 1, 2009 |
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Health care reform to take center stage this year |
| Dec 16, 2008 |
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Employees cut back on health costs - for better or worse |
| Dec 1, 2008 |
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Moderating health care costs could signal trouble ahead |
| Nov 25, 2008 |
|
Tobacco addiction costs employers $167.5 billion a year |
| Nov 18, 2008 |
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Benefits professionals favor drastically reworked employer-based systems in new administration |
| Nov 11, 2008 |
|
Employers urged to flex muscle on health care reform |
| Nov 4, 2008 |
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Obesity epidemic remains a battle |
| Nov 1, 2008 |
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Evidence shows positive outcomes from greater investment in primary care |
| Oct 21, 2008 |
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Losing sight of wellness program goals |
| Oct 14, 2008 |
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DOL seeks comments on how health plans use genetic data |
| Oct 1, 2008 |
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More patients heading to the emergency room |
| Sep 23, 2008 |
|
BFE: Up your FMLA ante with these helpful tips |
| Sep 15, 2008 |
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Companies combat high HMO premiums with aggressive strategies |
| Sep 8, 2008 |
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Steady support for wellness and disease management |
| Sep 1, 2008 |
|
Chronic conditions afflict more than half of Americans |
| Aug 12, 2008 |
|
HHS wants wellness program advice |
| Aug 1, 2008 |
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Attention all shoppers: How to be a smart PBM shopper |
| Jul 15, 2008 |
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Parties stand far apart on health care reform |
| Jul 10, 2008 |
|
Benefits to protect— and add— during economic downturns |
| Jul 1, 2008 |
|
Seven Self-Insurance Myths |
| Jun 24, 2008 |
|
Growth of employer medical costs projected to accelerate |
| Jun 15, 2008 |
|
Pushing the envelope: Zero tolerance on tobacco use |
| Jun 1, 2008 |
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A new direction for health care reform and HMOs |
| May 27, 2008 |
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What's next for health care reform? |
| May 20, 2008 |
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Ohio, W.Va. and Pa. say no to CDHPs, survey reports |
| May 6, 2008 |
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Health plan study shows performance varies region to region |
| May 1, 2008 |
|
Benefits finance: Is a self-insured health plan right for your company? |
| Apr 29, 2008 |
|
HHS Secretary Leavitt backs value-based health care |
| Apr 22, 2008 |
|
Obesity costs employers $45 billion a year |
| Apr 10, 2008 |
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Want to reduce sick days by an average of 41%? The solution is easy. Just walk. |
| Apr 1, 2008 |
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Robust incentives may improve retention rates in wellness programs |
| Mar 25, 2008 |
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Mercer Report: Employers focus on generic and specialty drugs to reduce Rx costs |
| Mar 11, 2008 |
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How to make your PBM more accountable |
| Mar 6, 2008 |
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Americans alarmed by gaps in quality health care delivery |
| Feb 21, 2008 |
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PBMI launches career center for drug benefit industry |
| Feb 12, 2008 |
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Business group wants to reduce health disparities among minorities |
| Feb 5, 2008 |
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Using incentives for health risk appraisals |
| Jan 31, 2008 |
|
Mid-size employer turns to "hybrid" CDHP model |
| Jan 15, 2008 |
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Employees take advantage of wellness resources - when they're available |
| Jan 8, 2008 |
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Consumers are in the dark on health insurance terminology |
| Jan 1, 2008 |
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Checking the label: Transparency, generics utilization key components to effective PBM relationship |
| Dec 18, 2007 |
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Group counters belief that benefits sky is falling |
| Dec 4, 2007 |
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Touting large-scale ideas for health reform |
| Nov 20, 2007 |
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Health benefit costs still outpace the rate of inflation |
| Nov 8, 2007 |
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Toolkit outlines best practices in health coverage for mothers, children and adolescents |
| Nov 1, 2007 |
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Communications, wellness prove challenging for HR |
| Oct 15, 2007 |
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HealthMarkets charged with misleading customers and denying required care |
| Oct 4, 2007 |
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Is your company prepared for a pandemic? |
| Sep 25, 2007 |
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Focus on health plan design paying off for employers |
| Sep 15, 2007 |
|
iPhone puts consumers' health records in the palm of hand |
| Aug 23, 2007 |
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Health insurers are starting to focus on value-driven plans |
| Aug 9, 2007 |
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California to produce first PPO report card |
| Aug 1, 2007 |
|
Chicago museum makes walking exhibit grounds cornerstone of successful, no-frills wellness program |
| Jul 24, 2007 |
|
Health care costs top employer concerns |
| Jul 12, 2007 |
|
Benefit professionals react to Moore's depiction of health care |
| Jul 1, 2007 |
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Creating wellness incentives that resonate with workers |
| Jun 21, 2007 |
|
Health insurance inflation is slowing down |
| Jun 15, 2007 |
|
On the contrary: Employers not looking to shift costs |
| Jun 1, 2007 |
|
Can't we all just get along? Achieving successful benefits integration with multiple carriers |
| May 17, 2007 |
|
Employers shift focus to prevention |
| May 17, 2005 |
|
Employers shift focus to prevention |
| May 8, 2007 |
|
Fortune 500 firms push for health reform |
| May 2, 2007 |
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Biotech drug costs skyrocket |
| Apr 26, 2007 |
|
Experts help small firms with health plans |
| Apr 18, 2007 |
|
Group says health premium jumps should be justified |
| Apr 5, 2007 |
|
HMOs more cost-effective in California |
| Mar 20, 2007 |
|
CVS buys Caremark |
| Mar 6, 2007 |
|
Americans value e-health services |
| Feb 22, 2007 |
|
Top-rated hospitals have lower mortality rates |
| Feb 5, 2007 |
|
Participation in wellness programs grows |
| Jan 25, 2007 |
|
Country reacts to Bush health care proposal |
| Jan 16, 2007 |
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FMLA ruling protects subsidiaries |
| Jan 10, 2007 |
|
Latest CDH trend may be plan attrition |
| Jan 3, 2007 |
|
Tool helps employers keep up with the "Joneses" |
| Dec 20, 2006 |
|
Majority unaware of medical costs |
| Dec 13, 2006 |
|
Bill makes HSAs more flexible |
| Dec 5, 2006 |
|
Half of CDHP users would switch plans if possible |
| Dec 1, 2006 |
|
Health inflation lower, but worries grow over "fraying benefits" |
| Nov 30, 2006 |
|
NBGH launches free guide to preventive care |
| Nov 16, 2006 |
|
Medical costs may show double-digit increase in 2007 |
| Nov 7, 2006 |
|
Most workers do not use FSAs |
| Oct 25, 2006 |
|
PBMs keeping up with Wal-Mart |
| Oct 17, 2006 |
|
Consumers prefer generics to brand drugs |
| Oct 11, 2006 |
|
Workers worried about future of health benefits |
| Oct 1, 2006 |
|
Dental providers embark on new ways to offer benefits |
| Sep 20, 2006 |
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Questions remain about provider quality programs |
| Sep 15, 2006 |
|
Cheaper Zocor throws generic market a curveball |
| Sep 6, 2006 |
|
HSA assets surge over past six months |
| Sep 1, 2006 |
|
Consumers get more tools to gauge medical costs, quality |
| Aug 31, 2006 |
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Workers motivated by richer benefits |
| Aug 24, 2006 |
|
Bush compels price and quality transparency in health care |
| Aug 17, 2006 |
|
Workers uneasy about pay, health care |
| Aug 9, 2006 |
|
HMOs account for one quarter of insurance market |
| Aug 1, 2006 |
|
Generics influx drags prescription drug trend to seven-year low |
| Jul 25, 2006 |
|
Depression costs related to health care access |
| Jul 12, 2006 |
|
Research shows effects of quality ratings for surgeons |
| Jul 6, 2006 |
|
Employers portend scaling back retiree medical benefits |
| Jun 20, 2006 |
|
Tips for CDHP roll-outs |
| Jun 15, 2006 |
|
Ohioans recoup $6.5 million in health claims |
| Jun 8, 2006 |
|
Not-so-great expectations for health costs |
| Jun 1, 2006 |
|
Vermont latest state to pass health reform |
| May 30, 2006 |
|
Study gauges health data gap |
| May 17, 2006 |
|
Most employers do not offer DM, wellness, but they want to |
| May 10, 2006 |
|
Declining employer-sponsored health plans documented |
| Apr 27, 2006 |
|
Workers build muscle with incentives |
| Apr 25, 2006 |
|
Change coverage to lower pregnancy cost |
| Apr 20, 2006 |
|
Health experts face off on access vs. innovation |
| Apr 15, 2005 |
|
Target draws bead on consumer-driven health care |
| Apr 11, 2006 |
|
Female employers worry about skyrocketing health costs |
| Apr 5, 2006 |
|
Mental health benefits add value, not cost |
| Mar 27, 2006 |
|
Validate your health ROI to the CFO |
| Mar 21, 2006 |
|
Variety of strategies needed to curb health costs |
| Mar 9, 2006 |
|
Managers doubt CDH will make workers healthier |
| Mar 1, 2006 |
|
Health care to account for 20% of GDP by 2015 |
| Feb 23, 2006 |
|
Higher co-pay differentials increase generic fill rates |
| Feb 14, 2006 |
|
Consumer advocates worry about health data privacy |
| Feb 7, 2006 |
|
Cost and talent issues challenge benefit professionals |
| Jan 25, 2006 |
|
More than half of seniors stay away from Part D |
| Jan 15, 2006 |
|
Mind the Meds: Top 10 pharmacy benefits management strategies for 2006 |
| Jan 2, 2006 |
|
Put your health care eggs in many baskets |
| Dec 14, 2005 |
|
CDH participants dissatisfied but frugal |
| Dec 8, 2005 |
|
Health care banking gets the Blues |
| Dec 1, 2005 |
|
Generic drugs offer employers untapped savings |
| Nov 29, 2005 |
|
Care management, cost-shifting reduce health costs |
| Nov 17, 2005 |
|
Pay-for-performance generates quality improvements |
| Nov 15, 2005 |
|
Employers should examine full impact of obesity |
| Nov 3, 2005 |
|
US CEOs more health care cost conscious |
| Nov 1, 2005 |
|
Health cost relief takes center stage at BMF&E |
| Oct 25, 2005 |
|
Wal-Mart extends lower-cost health insurance |
| Oct 11, 2005 |
|
Large companies find lower health care hikes since 1999 |
| Sep 21, 2005 |
|
Cost-shift trend is also costing brokers |
| Sep 15, 2005 |
|
Financial incentives touted as health care cost fix |
| Sep 8, 2005 |
|
PBM mail-order pharmacies deliver cheaper drugs |
| Aug 31, 2005 |
|
A spoonful of compliance helps health costs go down |
| Aug 18, 2005 |
|
AutoNation claims UnitedHealthcare overpaid by $10 million |
| Aug 16, 2005 |
|
Consumers elevate HMOs over PPOs |
| Aug 9, 2005 |
|
Medical cost containment depends on changing habits |
| Aug 2, 2005 |
|
Employers could see relief in benefit costs |
| Jul 26, 2005 |
|
PBMs scoop up specialty pharmacies |
| Jul 15, 2005 |
|
Off and running: Self-funded employers may have head start in push for wellness |
| Jul 5, 2005 |
|
Walgreens says drug costs rose 7.2% in 2004 |
| Jun 28, 2005 |
|
More than half of employers concerned about wellness |
| Jan 21, 2005 |
|
Benefit managers offer best ways to ease health costs |
| Jun 14, 2005 |
|
UnitedHealth has a million in consumer-driven plans |
| Jun 9, 2005 |
|
Uninsured worsen medical inflation for workers |
| Jun 1, 2005 |
|
New study puts medical costs into focus |
| May 24, 2005 |
|
Disease management has become the norm |
| May 10, 2005 |
|
Unions found to have better access to health insurance |
| May 4, 2005 |
|
Employers don't lie down for higher premiums |
| Apr 28, 2005 |
|
Mandatory health insurance rejected in California |
| Apr 21, 2005 |
|
GM says health costs partly to blame for first-quarter losses |
| Apr 12, 2005 |
|
Group launches program to buy health insurance in bulk |
| Apr 7, 2005 |
|
Maryland considers bill that mandates benefits spending |
| Mar 25, 2005 |
|
Many would sacrifice choice for lower health costs |
| Mar 15, 2005 |
|
State health mandates scrutinized |
| Feb 9, 2005 |
|
Scandals may prompt more online insurance bidding |
| Jan 19, 2005 |
|
Employers should investigate disease management math crimes |
| Jan 12, 2005 |
|
Clients tackle medical inflation roots |
| Jan 8, 2005 |
|
Employees prefer work-based insurance |
| Dec 21, 2004 |
|
Automated Systems For Drugs Examined |
| Dec 14, 2004 |
|
Companies Rapidly Cutting Health Benefits |
| Dec 2, 2004 |
|
40 Percent in U.S. Use Prescription Drugs |
| Nov 1, 2004 |
|
Your New Health Plan |
| Sep 27, 2004 |
|
Health costs rising faster than incomes, study says |
| Sep 13, 2004 |
|
Employers slow shift of health care cost burden to workers |
| Aug 10, 2004 |
|
Health care costs employers more than paid leave |
| Jul 15, 2004 |
|
Health insurers lost $85 billion to fraud last year |
| Jul 22, 2004 |
|
Health and productivity management intrigues firms |
| Jun 4, 2004 |
|
Rising benefit costs hurt small businesses' financial health |
| Feb 28, 2004 |
|
Strike-weary grocery workers eye new offer |
| Feb 28, 2004 |
|
Experts ponder limitations of cost-sharing |
|
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Can't we all just get along? Achieving successful benefits integration with multiple carriers
Today, effective benefit design considers not only costs on budget lines but costs to human capital. More than ever, employers are interested in health and productivity data and what that data means horizontally across integrated benefits.
"The plans are a source of very rich data and it has the potential to sew all the pieces together, even if the employer doesn't buy all products from one carrier," says Dennis White, senior vice president of Value Based Purchasing at the National Business Coalition on Health.
Collaboration among benefit carriers allows areas like health promotion, disease management, absence management, prescription drug coverage and health insurance to share data and align with the employer's goals. Integrating benefits can help each plan do their job better, but getting carriers - who are often competitors - to work together and share information can be a major undertaking.
"The wellness carrier should have lab results, pharmaceutical records, claim information, health risk assessment data, etc.," says White. "But usually, neither the plan nor the company are organized enough to give that information."
Bring them to the table
"Get everybody in the room at the same table. That's the first and most important step in integrating benefits," says Thomas Parry, president of Integrated Benefits Institute. "This is where employers and their vendor partners can really work together as genuine partners."
While employers shouldn't launch an integration initiative without setting concrete objectives for the change, they also should keep an open mind as carriers assess what areas they can share information and better serve employers.
"The mid-sized and larger employers are saying, If you can't work as a partner with all of us, than you're not a good partner,'" says Parry.
Holly Snyder, president of Nationwide Better Health, a carrier that offers several integrated health care services, says employers often will purchase couplings of their products - like disease management with health promotion - and not buy other services in their package. When sitting down with other vendors in the health management area it is important that employers single out a "lead vendor" who can help integrate all the carriers together, she says.
"Look for someone with a little more experience in the field and someone who has a spirit of collaboration," says Snyder. "If you don't really define the integrator or lead role, then the responsibility will fall on the employer, which - depending on their expertise - could be a problem."
Another important stakeholder to have at the table is the CFO, White states. An HR/benefits executive who engages her CFO in the conversation will be better prepared to pinpoint the key issues they want carriers to focus on. CFO involvement can be critical to integration because many companies have separate budgets and managers to accompany each benefit silo.
"This causes financial and management barriers - everyone carves out their own solution not realizing how to sew them together," says White.
Not only should employers combine management and budget sections, they also should locate the main human capital issues across benefits. When the focus has been established, carriers can decide what data is required to address the company's concerns, says Parry.
Set standards, expectations
What each carrier is responsible for must be determined up front and collaboratively. "Make sure that you are aligning goals so people aren't working at cross- purposes," Parry says. For example, an employer can't hold a health insurance plan accountable for only minimizing costs and hold an absence management carrier accountable for only decreasing absences because the two goals are not necessarily compatible.
Like in parenting, expectations are very important to getting outcomes, says Parry.
"Some companies are trying to note where the deficiencies are and then put some teeth in it with financial consequences and performance guarantees," says White.
Also, to collect and share workforce data, all carriers must have standardized data language and metrics. "When two insurers look at duration metrics, are they looking at the same thing?" says Parry.
"Virtually no one has all the data they want and that the employer wants," Parry admits. "It doesn't happen fast or without cost, so a timeline is key as to when certain data should be collected."
Extra credit
The saying, "You catch more flies with honey than vinegar" holds true in multivendor integration efforts, the experts contend. Carriers should be rewarded appropriately for working together to meet expectations. But much like a group project in school, how does an employer know which carriers on the team were working hard and which members were slacking off?
"There should be tight contractual language and measurement systems to make sure they each understand their role and get the credit they deserve," White advises.
Adds Snyder, "Consultants are really interested in this and have formed different analysis methods to divvy up the credit."
Is integration a myth?
It seems obvious that getting multiple carriers to be team players when they want to stand out to their client can be a struggle. From a carrier viewpoint, Snyder says "It's getting there. Whenever there is enhanced collaboration across many vendors it is a major improvement."
Integrating data and analyzing data to a point where it is useful can be extremely challenging for an employer. Integrated data warehouses, consultants and third-party administrators are more than happy to help all parties collaborate - and business is good.
"The data warehouses can attest: Employers see this is the direction they need to be going," says Parry. - M.B.
Employee Benefit News |
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