Archive for August, 2010

Increased costs Decreased costs
Highly unlikely
2%
15%
Unlikely
10%
25%
Likely
41%
30%
Highly likely
23%
10%
Unsure at this time
23%
20%

It is clear that Companies will be dealing with PPACA issues for a long time. But time alone will not make the increasing cost go away.

At a recent Society for Human Resource Management’s (SHRM) annual Conference, in San Diego, Mr. Aitken, SHRM’s director, Government Affairs made the following comments.

What Should you do? Follow or Lead?

He shared the results of a survey on employer reactions to the passage of PPACA. So what are employers thinking? Sixty-four percent are likely to shift the increase, caused by PPACA, on to their employees. Understandably, we are in a difficult market and the profit margins are being squeezed.  But is there an alternative? A better way to reduce or share cost increases? We at Your Wellness N Health know there is! Do you?

Is your organization engaging in an analysis to determine the impact of the new health care reform law on your health care plan?

The reports that I have read say many have not.  Repeal is unlikely or is not politically viable until 2013. The time is now for you to learn how to lead your way through instead of following the crowd. To find out what you can do now, contact us and we will schedule a meeting or present proven methods to avoid shifting costs to your employees.



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Health care Leadership

Where is the Leadership within health care plan design coming from? Is anyone leading so others can follow? Key questions that should be on the minds of business executives and senior human resource managers across the country right now. In the 2010 report, “The Road Ahead: Under Construction with Increasing Tolls,” the analysts report, that an alarming number of employers (58%) fail to implement a formal policy or strategic plan for their employee health care programs, instead taking a “reactive versus strategic approaches to generating more value from limited or shrinking budget pools.”

The report goes on to suggest that employers should do more than just measure the return-on-investment on their health care programs and recommends that equal awareness should be paid to creating a “plan for performance “ for their health care programs. I totally agree. It has become very apparent that most companies do not have a plan or a partnership that works to this objective. How can any professional benefit manager implement any health care program without a strategic plan for their programs? This study, and my own experience, suggests that is the case.  The data from the study shows only 42% of employers have a formal policy or strategic plan for their employee health care programs.(1) To fully understand how bad this really is, this number was up by 10%  compared to the data point back in 2007. My own experience suggests that fewer than 20% have a strategic plan for this critical company objective. We at Your Wellness N Health not only develop a strategic plan for our clients, we base our compensation on our performance against this plan.

The so called “health benefits experts” believe one of the byproducts of the recession and health care reform is to move more companies to develop a clear and realistic plan for their health care programs that link to the company’s business objectives. Really! I thought that was a given for benefit professionals and other human resource leaders even before the recession and reform. This admission itself tells me that most companies have not been creating goals and plans that link with the strategic business objectives and their benefit consultant has no clue what to do not either.

So what should your plan look like?

Hewitt experts suggest, “Employers typically take a tactical view of health benefits, which means focusing on changes in the current year that will take place the following year.” We think a longer term view is better and we suggest a 3 to 5 year plan works best. The new health care reform law passed in March 2010, which is not fully implemented until 2014, requires companies to rethink their health care strategies. The new law carries only a few measures on cost-containment, and appears it will drive costs up and profits down. All companies will need to sharpen their focus and address affordability. Rob Webb, CEO for OptumHealth Care Solutions communicated recently, that “Companies don’t want to see even more substantial increases in their health care costs.”

So what is in these “increasingly formalized plans” to ensure that progress toward goal achievement during volatile business and workforce conditions? Another words, what should be your appropriate goal and focus and how should it be monitored?

Depending on how the new regulations unfold, most health care programs will need to be substantially changed for all companies. The waiting game is over and everyone suggests that health costs will be going up, on average 9%,  unless you have the right strategic plan and partner in place now, or soon. What is your short- and long-term strategy to addressing the issue?”

Key elements

Elevating the importance of the health care planning, by instituting a formal health care strategy to stay ahead of the change. It will require leadership to take advantage of innovative ideas and ownership of the performance of their plans. Companies cannot just transfer the risk and responsibility elsewhere without implementing the right plan design. This could mean the difference between maintaining the healthy and productive workforce and losing control of their bottom line.

  1. We start by establishing your guiding principles behind your health care strategy
    • They must be supported by key business leaders within the organization
  2. The design of the program needs to satisfy what your employees want out of their benefits programs
    • The design must maintain the positive relationship between the employer and employees need for security
  3. The program needs to fit the financial budget of both the employer and employee and align with the financial realities of the times
  4. Any health promotion/wellness must be monitored and tracked both statistically and financially.
  5. The plan must be well-communicated containing both costs and benefits-competitiveness goals, against benchmark data showing the companies commitment to the employee needs and fiduciary responsibility of the management.
    • Continuous innovation and leadership in health care strategies is an extension of business planning, given that health care costs normally rank as the second or third highest expenditures in a corporation.
    • Just as a business plan charts an organization’s investment strategies, operational objectives and other corporate goals built around its employees and business, employers need to do the same for health care strategies.

Innovative design solutions are available to forward-thinking leadership companies who establish a comprehensive strategy for health and health care, that focuses on risk management, wellness, consumerism with pay for performance metrics. We can transform and bend the cost trends dramatically over time. We are reducing plan costs of our clients by 20 to 30% while improving the level of satisfaction employees have with their companies plan. The new health reform law accelerated the need for the planning process and is forcing more leaders to think outside the box of their traditional partners and embrace the implementation and servicing of health care strategies by new partners.

Wellness that Works – Health Promotion Programs

We understand that every employee population is different, and therefore we must adjust the time frame for achieving outcomes to those needs. But the fundamentals are universal. Americans need to change their habits, their diets and level of exercise to achieve long-term and lasting health objectives. It will require a new partnership between employer and employee.

Employers can create a framework based on three questions:

  • What is happening now within their organization in terms of health care trends and the consequences of those trends?
  • Why each consequence is important? If we do nothing how the consequences will effect everyone.
  • Where do we need to accept change as our friend? Create a buy-in to lead and innovate with a new relationship to improve the mutual outcome for the employer, the employee and the plan adviser.

Call us today start your new strategy plan.

(1)The figures are based on the HR consulting firm’s annual health care trends survey of nearly 600 large U.S. companies. The responses were collected between December 2009 and January 2010.

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GREENSBORO, N.C.—A combination fruit/berry/vegetable supplement (Juice Plus+®) may fight oxidative stress and improve exercise performance, according to a new study (Med Sci Sports Exerc. ePub 2 Aug 2010. DOI: 10.1249/MSS.0b013e3181f1ef48). Researchers at the University of North Carolina, Greensboro, recruited 41 healthy adults to take either placebo or Juice Plus+ capsules for 28 days prior to an acute bout of eccentric exercise, and for four days after. The exercises included four sets of 12 repetitions of eccentric elbow flexion with the non-dominant arm; blood, muscle soreness (MS), range of motion and maximal isometric force of the elbow flexors were obtained before and immediately after exercise, as well as at 2, 6, 24, 48 and 72 hours post-exercise.

Muscle soreness and plasma creatine kinase levels increased over time, while range of motion and maximal force declined in both groups. Consuming Juice Plus+ helped prevent the increases in oxidative stress markers in the blood seen in placebo subjects, serving as an antioxidant. The research team concluded consuming Juice Plus+ could attenuate blood oxidative stress markers, but did not affect functional changes related to pain and muscle damage.

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Retaining copies of our medical records could reduce potential for mistakes.

With all the talk about health care consumerism by human resource and other employee benefit professionals have you ever heard them suggest things other than purchasing health care “in-network” or “sharing the risk” makes employees more responsible consumers? How about some common sense, practical steps that everyone should do. Take control of your medical history and records. Learn what is in them, and protect them against miss use or yourself from potential mistakes. In addition, we here that the government regulators are issuing guidelines and rules that make sense at one level but scare us at another. Yes, then want to take control of your medical records before you even have control of them.

It makes sense to improve medical records so that all your providers who treat you have the same knowledge and information. The assumption currently is you have  the information and share it as needed. The problem is, you have either have not taken control of your records, your medical history or you may not be able to transfer that information correctly to the providers.

We all know that childhood game “telephone”, that is what can happen when you haphazardly transfer information. The providers down the line make not be getting the proper message. Personally, when I moved I asked my family doctor to give me a copy of medical file to provider to my new doctor. Well I got a hugh shock when I got a look at them for the first time.

First of all, they were all handwritten, mostly illegible. It looked like he used some shorthand or morse code. There were no records from my pediatrician who was my prior doctor since my family doctor must not have asked for them when I became his patient.

To make is worse, my doctor had passed away earlier that year. Now I could not even get them interpreted. Years of care, recorded in worthless notes.

Everyday you hear stories like mine or like this. A man was scheduled to see a cardiologist for recurrent palpitations. The same symptoms nagged him about six years ago and at that time, he went through a battery of tests to confirm that the palpitations were benign.

Later, he was able to take the EKG and stress test echo results from that episode with him to share with the new cardiologist. Although new testing was ordered, the cardiologist was able to compare the older study with the new study. And he had some peace of mind that there was some continuity in his care, even if the patent had to provide it.

I would encourage all clients with whom we work to get copies of any diagnostic testing or blood work that they’ve had done. You will find that as you see more doctors, the more medical files you have to collect, store and be prepared to share. Common sense should tell you the more scattered your medical records are, the higher your risk of drug errors, missed diagnoses and other potentially dangerous glitches. The solution is simple? Patients should keep a set of their own records at home and electronically stored in an accessible location. I like a one of the USB flash drive. You can lock it for security and store it easily in your backpack, purse, etc.

More commonly will see our older patients who may have typed their extensive medical history on a computer. Whenever they have a new physician appointment, they print out an updated version and takes it with them to the office.

Their records looks something like this:

  • Demographic and Insurance information
  • Medical History

Since most providers required you to complete all this information the first time you see a new providers just put your name on the form, attach your own printout and return the clipboard to the receptionist. It saves you time, her time and prevents unintended omissions.

Here are the basics on personal health records. They can be paper or electronic. There are a growing number of solutions are available. The American Health Information Management Association provides a step-by-step guide to creating your own personal health records on its Web site, www.myphr.com.

Like all types of data, there are a number of portable storage devices options (CDROM, DVD, USB flash drive or smart phones) and word processing templates also can be used to help create an electronic record. There are a few disadvantages of storing information this manor.  Data that is stored is subject to physical loss and damage, paper can be burned, water damaged, as can electronic records and many computers at your providers’ offices and hospitals cannot read or update your records. One tools I would suggest you add is a scanning device. You can take your then take any document and scan it and store it in your electronic health record folder.

Suggestions for Employers

Many companies that offer health promotion (or wellness) programs are also are instituting incentives to encourage their employees to complete health risk assessments and create personal health records as a way of tracking changes in risk or detecting improvements.

By providing employees tools to monitor their health, some companies are think they can cut health care costs without triggering worries about health data privacy. Since knowledge is power, an empowered employee is a likely to be a healthier employee. Health records are a great tool for helping employees take personal responsibility and make smart decisions related to trends in their own health.

To encourage your employees to maintain their own personal health records, you can advise them to:

  • Ask for results. Request a copy of all blood work or test results along with a a copy notes from all examinations performed by the provider. Don’t be surprised if you are asked why you want them
  • Collect records from your dentist, pharmacy, hospital, lab and any other facilities
  • Keep paper in a brightly colored folder so they’ll be easy to spot in an emergency. For added protection, keep one copy of the records in a safe deposit box or other safe location along with other important documents like Wills, Deeds etc.
  • Organize the information in a way that makes sense to other people. Use standard indexing or logic
  • Always carry a mini-record that identifies your key health care providers, an emergency contact number, the names and dosages of any medications and alerts to any allergies you may have
  • Bring and review your personal health history with your primary care provider durning your periodic examination. After all, now that you have this complete health record, is it a good idea to provide your primary care physician or nurse practitioner with a copy?

Since it is estimated that only 7% of patients actually put together their health records your doctor should be pleasantly surprised.

Take Control – Take Responsibility

No one knows what future holds and recent health care reform laws has only increased the level of uncertainty, but one is certain, errors in communication resultant to a poor exchange of information or the lack of adequate information will continue. Health care is a people centric process and people make mistakes. Test results will still not make it to the chart. Consultation letters skipped. Allergies will be missed. Medications and their dosages will be prescribed incorrectly.

Make sure that you are in control of your own health care information. Encouraging your fellow employees to collect and maintain their own personal health record. It may save your life or protect your rights to privacy.

Here is what you should include in your a personal health record:

  • Personal identification
  • Emergency contacts (including telephone numbers)
  • Health care provider contacts (including specialists, dentists & pharmacists)
  • Health insurance information (including Plan Sponsor, Policy / Group Number & contact telephone numbers)
  • Living will, advance directive, or power-of-attorney
  • Organ donor authorization (if any)
  • Current medications and dosages
  • Significant illnesses and surgeries (including dates)
  • Record of immunizations (including dates)
  • Allergies or other sensitivities
  • Results from most recent physical examination, including eye and dental
  • Test results
  • Family health history
  • Opinions of specialists
  • Correspondence with physicians


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Intended for Informational purposes only.We consult, and don't sell insurance.We match clients with available options. Our wellness information is not a substitute for medical advice or treatment.