Top 5 Technology Tools

HR Managers Can’t Live Without

March 19, 2014

Presented to

2014 LA HR Star Conference

Leslie Pearce, PHR Executive Vice President

Ryan Fridborg, MAOD, SPHR Executive Vice President

Jacqueline Roth Vice President

Matthew Paletz Assistant Vice President

Paul Palkovic, ARM, CPCU Vice President

Andrew Agress Assistant Vice President

Heather Baumann Assistant Vice President

Presented By

Agenda

• Introduction • Top Technology Tools:

–Animated Benefits Education –Telehealth –Wellness Portals –Mobile Apps –Private Exchanges

Introduction

About Bolton & Company

• Founded in 1931 by Dorance D. Bolton • Over 125 insurance professionals • Annually place $300,000,000 in written premiums for our clients • Recognized as one of the top 100 (by size) independently owned

brokers in the US • Serving clients nationally • Employee-owned • High level of customer service – boutique not small. • Recognized by our key carriers in their top echelon of brokerage

relationships • Executives and Management sit on many of the carrier partners

broker advisory boards and broker councils, such as Chubb, CNA, The Hartford, Anthem Blue Cross, Kaiser Permanente, and others, both on a local and national level

• A proud Assurex Global partner

Animated Benefits Education

Ryan Fridborg, MAOD, SPHR Executive Vice President

//dc-win2k3/users/aline/Desktop/Introduction to Navera.mp4

Case Study: Healthcare System

Customer: 3,200-life healthcare system, with a 581-bed hospital and 8 campuses HRIS System: PeopleSoft HRIS Deployment Date: October 2011 with HRIS integration in 2012 Products: Medical, Dental, Vision, FSA, Voluntary Life and LTD Results: • 60% increase in participation in voluntary offerings • “Navera customized to our plans and greatly reduced the need for our HR and

benefits staff to explain our benefits and answer frequently-asked questions” • “Implementing Navera within our existing PeopleSoft HRIS was really easy” • Based on the success of the voluntary products in 2011, the customer

expanded its use of Navera to all products in 2012

Case Study: County Government

Customer: 4,600-life, County Government in a large, Southern California county TPA Platform/ Enrollment System: BCC, BenXcel Deployment Date: February 2013 Product: Supplemental Life Results: • 29% increase in participation on an off-cycle enrollment • 40% increase in volume • Based on the success of the Supplemental Life off-cycle enrollment, the customer

is expanding its use of Navera to all core and voluntary products

Case Study: Public School System

Customer: 6,100-life, public school system in Southeastern U.S. Enrollment System: Benefit Express Deployment Date: October 2012 Results: • Overall voluntary premiums increased approximately 150%

*VSTD was virgin coverage, but like other government entities, the school system had

a sick bank plan. Even though employees could carry over their sick days, the new VSTD plan achieved 35% participation in its first enrollment.

Product Pre-Adoption Post-Adoption Percent Change

VLTD 26.0% 49.1% 89%

VSTD (new plan)* 0.0% 35.0% N/A*

About Bolton & Company

• Founded in 1931 by Dorance D. Bolton • Over 125 insurance professionals • Annually place $300,000,000 in written premiums for our clients • Recognized as one of the top 100 (by size) independently owned

brokers in the US • Serving clients nationally • Employee-owned • High level of customer service – boutique not small. • Recognized by our key carriers in their top echelon of brokerage

relationships • Executives and Management sit on many of the carrier partners

broker advisory boards and broker councils, such as Chubb, CNA, The Hartford, Anthem Blue Cross, Kaiser Permanente, and others, both on a local and national level

• A proud Assurex Global partner

Telehealth

Jacqueline Roth Vice President

Insert Video Clip

Common Conditions

• The American Medical Association: Up to 70% of doctor office visits and 40% of emergency room visits are unnecessary. Many of these conditions can be handled effectively with a telemedicine consultation.

• The American Academy of Family Physicians: Predicts the shortage of family doctors will reach 40,000 in the next 10 years, as medical schools send about half the needed number of graduates into primary care medicine.

Vast Market Growth

• It’s Fast – no more waiting rooms with sick people, no driving, and no babysitter; connect to a doctor instantly via phone or email.

• It’s Convenient – Members get round-the-clock access to care when they need it, whether they’re traveling, at work or at home 24/7, 365 days a year.

• It’s Affordable – Telemedicine costs less than traditional office visits, and avoids the expense of travel

• It’s Easy – Our process is simple, secure and electronically maintains our member’s medical history.

• It’s Reliable – Telemedicine doctors are all US based and licensed. • It’s Transferable – Members can share their electronic medical

records with their primary care physician, family, or other specialist.

Why Telehealth

Who is it For?

• Telehealth is for everyone, regardless of age or pre-existing conditions

• A parent or legal guardian must consult with a network doctor on behalf of a child under the age of 18

When Should I Use it?

• Doctors can be hard to reach

• Illnesses can occur in the middle of the night

• Sometimes you just have a question that doesn’t require an in-person consultation

• Telemedicine is a convenient solution

• Telehealth service is an always-accessible complement to primary care

• If you believe you need emergency medical attention, call 911 immediately

Is This Insurance?

• No…this is a cutting edge technology platform that connects you the patient with expert telehealth physicians who can diagnose, treat, and consult on a wide variety of common medical and health conditions

Wellness Portals

Matthew Paletz Assistant Vice President

• Wellness program is a broad term which can have a variety of different components

• Health fairs, biometric screening, health coaching, weight management programs, tobacco cessation, wellness newsletters, clinical content, onsite fitness programs, individual assessments, points & reward system, trackers, quizzes, calculators, treatment and plan cost estimators, live chat with nurse or health coach, reporting and analytics

• A Wellness Portal is a technology platform which allows all aspects to be managed from a single database accessible by managers and employees

What is a Wellness Portal?

• Increase employee participation in employer sponsored wellness programs

• Healthy employee population can help drive down medical costs

• Encourages team work and accountability within your employee population

• Serves as a communication channel between management and employees

Why Implement a Wellness Portal?

How to Increase Employee Participation?

How to Increase Employee Participation?

How to Increase Employee Participation?

• Peer Pressure: message boards, contests, teams, social media

• Incentive Management: tiered rate structure, prizes, cash rewards

• Constant Visibility: daily dashboard with activity tracking, progress report, upcoming events

• Dependent Engagement: Increased awareness for plan participants that are not onsite

How to Increase Employee Participation?

• A provider that offers customized solutions to meet your specific requirements

• Consider a company that already has a partnership with your insurance carriers

• A platform with multiple communication methods: Computer, Mobile App or optimized website, Telephone, Fitness tracking & reporting devices

Who Should You Partner With?

Who Should You Partner With?

Who Should You Partner With?

• Options for rewards or incentives:

– Online prize store, cash awards, virtual trophies

– Copays, HSA contributions, cost sharing

• Include at least 3 providers in your evaluation

• Examples: - Health Check 360 - Orriant - SonicBoom

- ShapeUp - Viverage - beBetter

• Wellness companies have different philosophies Outcome or Activity? Which philosophy fits with the culture of your organization?

Who Should You Partner With?

Mobile Apps

Paul Palkovic, ARM, CPCU Vice President

• Mobile has grown quickly which has caused a shift in effective communications

• Adoption of mobile technology is ramping up 11 times faster than the adoption of the Internet that occurred in the early 1990s

• Least expensive and most engaging communication method

• Mobile will become mandatory for recruiting and retaining top talent

• Smartphones are much more accessible to the general public than computers or laptops

Mobile Vs. Web

• The average person accesses their smartphone over 34 times a day

• In 2013, app usage dominated browser usage on mobile 80% of the time

• The #1 reason people use smartphones is to feel connected

• Smartphone owners: – Over 40% of “Young Boomers” (age 47-56) – Over 60% of “Generation X” (age 33-46) – 72% of “Millennials” (age 24-32)

• According to Forrester Research, 78% of US email users will access their emails via mobile by 2017

Why Mobile?

Mobile Health Consumer

Single App that helps identify

and manage your health risks.

The Mobile Health App simplifies the experience of

accessing your health care data.

No more multiple websites and passwords

All health care data is easily available

through your Smartphone, tablet, or the

web.

Simplify the health care experience and improve

your health.

Mobile Health App Features

• Message Center: Receive messages and reminders about important

events, like open enrollment, screenings and vaccinations.

• HSA & Deductible Balances: Always have access to your health savings

account balances and deductible balances.

• ID Cards & Benefit Summaries: Store all your ID cards electronically on your

phone for easy and immediate access.

• Find & Compare: Easily search and compare Doctors, Hospitals, and

Urgent Care Centers.

• Activity Tracking: Track your activity or steps with your own pedometer or

app such as FitBit and RunKeeper.

• Wellness Assessments, Coaching & Rewards: Use the health assessment to

learn about your health status, habits and history. Based on the health

assessment, the health coach is a digital tool that provides you feedback

about your biometrics and health risks.

MyFitnessPal

Track your health from

anywhere, anytime.

One of the most popular health and wellness apps:

Has a calorie counter

- Largest food data base

Syncs with the web

Allows you to diet and track progress with friends

Houses over 350 different exercises

Tracks cardio and strength training

Set custom goals

Interacts with social media (facebook, twitter, etc.)

• The supply of apps available to you is almost endless and many come at no cost.

• Push Technology is a far more effective way to drive your message and have consistent communication with your employees

• Creative use of apps in your organization can support not only your wellness program, but your workplace safety efforts as well.

• Apps can help your employees have a more interactive and satisfying user experience with the Employee Benefits you provide for them.

• Apps present the HR professional with an opportunity to be creative and innovative with their employee outreach and benefits communications – Have fun.

What Does It All Mean?

Private Exchanges

Andrew Agress Assistant Vice President

Healthcare Trends Institute Survey

54.5% of the HR executives were

somewhat to very familiar with private

exchanges.

Private Exchanges

No Governing Body Defining What a Private

Exchange Is

What is a Private Exchange?

“51% believe private exchanges will help employees make more cost-conscious benefits decisions.” Health Trends Institute

• Plan that Shifts More Responsibility to Employee

• Provides Employees More Insurance Options

• Employer Provides a Defined Amount of Money for Employees

• Provides Technology to Help the Employee Make Decisions and Help Employer Administer the Plan

• Single Carrier

• Multiple Carrier

Private Exchanges

Technology Capabilities

Technology Insurance Products

Exchanges Combine Two Things

Defined Contribution

Plans

Decision Support

Tools

The Insurance

Few Pricing Rules Have Changed

Everything Is Driven Around Underwriting Rules

Mega Size Groups Self-funded

Mid-sized Groups Still Experience

Rated

Small Group Reform Markets – Pooled

Rates Already

Will participating in an exchange save my company $$$?

Administrative Issues

• More Options Means Broader Payroll Deductions

• More Confusion by Employee (Do people really want more options)

Possible Trends

More Options within Group Plan

More Options Individually

Priced within Group Plan

Individually Priced and Individually Purchased

How Employers are Saving

80% chose a plan less rich than what their

employers had chosen for them

Private Exchange Technology Can Cause Problems

• Benefits Only

• One Login For Benefits - Another For HR/Payroll

• Another System – Another Fee

• Limited Flexibility for Customized Plan Designs (challenges for religious entities)

• Loss of Autonomy (exchange administrator drops a carrier/plan design)

ACA Update

• 2015 is nearing……

• Individual Mandates – 3/31/14 deadline

• Employers 2-50 – be prepared

• Community rating for groups 2-100 in 2016

• No update on 105(h) discrimination rules

Thank You.