EmployerPlus FALL 2009 A NEWSLETTER PUBLISHED BY HEALTHPLUS OF MICHIGAN New Leadership Points to a Bright Future for HealthPlus Bruce Hill Appointed President and CEO Bruce R. Hill has been appointed achieve great success despite Michigan’s priorities is to increase our sensitivity to president and CEO of HealthPlus of tough economy. For that reason—plus a dynamic and strained customer base,” Michigan by its the extensive knowledge and experience Hill said. “The purchasers of our plans Board of Directors. he gained during 15 years as a vice are experiencing demands on them like Hill’s selection was president here—the Board is happy to never before. It is essential that we assist announced in July have Bruce at the helm. He certainly has them in caring for their employees and by Gerald Piesko, our support.” beneficiaries in a way that maximizes the D.O., Chair of the Dr. Piesko noted that Hill’s recent value of their expenditures.” HealthPlus Board. leadership accomplishments include Hill, 46, has more than 20 years of “During the past revising the organization’s operating plan experience as a health-care executive, six months, while to respond to the changing economy, ranging from health insurance to health Bruce has served as securing contracts with major customer systems. Prior to relocating to Michigan, Bruce R. Hill interim president President and CEO groups, new operational efficiencies that he worked in the Pacific Northwest and and CEO, we made improved recent financial performance, Chicago areas, and established a track a close assessment and the continued expansion of the record as an action-oriented professional of his performance and capabilities,” HealthPlus market region. keenly sensitive to market needs. said Dr. Piesko. “He has already made “I appreciate the Board’s appointment of A native of Saginaw, Mich., Hill earned an appreciable contribution to putting me as president and CEO,” Hill said. “While his bachelor’s degree in Economics HealthPlus in a position to build on its 30- these are challenging times in Michigan, and master’s degree in Health Services year record of accomplishments, and to I have no doubt that we will not only Administration at the University of succeed but thrive in the future. This is Michigan in 1986 and 1988, respectively. not just wishful thinking. HealthPlus is He and his wife, Angela, reside in Inside blessed with an exceptionally dedicated Board, a talented team of employees and health care providers, the loyalty of its Saginaw with their five children: Ashley, Natalie, Austin, Connor and Mara. Hill succeeds David Crosby, who resigned members, and our ranking as one of the in 2008 to become president of a health Start Your Own Health Care Reform! best health plans in America. plan in Pennsylvania. “Among our organization’s immediate Citizens Bank Launches Workplace Wellness Program New Benefit Plans for Individuals It’s Flu Shot Time! Anticipated this Fall All HealthPlus benefit plans provide coverage for pediatric HealthQuest Workplace Wellness and adult immunizations. Program Encourage your HealthPlus HealthPlus HealthySolutions employees to make an appointment with their Mental Health Parity physician today. Medicare Secondary Payor Requirements for Group Health Plans Deadline to Distribute Annual Part D Notices To our Valued employer parTners Start Your Own Health Care Reform! The topic of health care reform has provided some heated discussions this past summer and we’ve all heard countless ideas for changing the system to better control costs. The one thing I think we all agree on is that everyone deserves some form of health coverage. What seems to be getting lost in these conversations is the concept of keeping people healthy so they don’t end up in the system in the first place – commonly known as “prevention.” Lost in the debate is the fact that having health coverage doesn’t automatically make a person healthy or reduce health care costs. It’s actually what we do with that coverage and our personal choices that make the difference. The bottom line is, if we don’t take care of ourselves, how can we expect any system, public or private, to be able to? Many chronic conditions like diabetes and heart disease are preventable. In other words, people choose to behave in ways that, in many cases, bring these conditions on, neglecting to take responsibility for eating right, exercising, not smoking, and so on. So, here’s an idea: Rather than wait around for government to come up with a system that solves everything for everyone, why not start your own health care reform by launching a workplace wellness program? Many employers for whom we provide workforce health coverage are already doing it. They recognize that they can help their employees take charge of their health, and thereby reduce health risks, disability costs, absenteeism, and workers compensation costs, as well. These types of actions can go a long way toward keeping health care costs down in the long run. Need help getting started? HealthPlus can help you customize a workplace wellness solution to fit your employees’ needs with our HealthQuest Workplace Wellness Program. Whether your employees want to quit smoking, lose weight or increase their physical activity, we offer a variety of packages for small and large businesses. On page 3, you’ll learn more about the Citizens Republic Bancorp CBFit4Life employee wellness program. More detailed information on our fully-insured HealthQuest Workplace Wellness Program is included on page 5 of this newsletter. If you would like assistance in developing a comprehensive workplace wellness program for your own employees, give us a call today at 1-800-530-9071. Nancy Jenkins, Vice President of Membership Growth 2 HealthPlus employees donate nearly 10,000 hours a year to the community. Citizens Bank Launches Workplace Wellness Program CBFit4Life Employee Wellness Program C BFit4Life is an online employee wellness program Citizens Bank offers to its 2,000+ employees. With the assistance of the HealthPlus Health & Lifestyle team, Citizens developed the CBFit4Life program and rolled it out to employees June 1, 2009. The wellness program was introduced by Citizens’ CEO Cathy Nash in her weekly blog. As a result of her encouragement, 500 employees logged into the wellness site in the first week. In addition to helping with program design and coordination, HealthPlus staff members facilitate various services and programs to support CBFit4Life such as online monthly seminars, healthy living programs and wellness challenges. One factor in determining the success of any wellness program is the presence of a wellness committee to oversee program logistics and implementation. At Citizens, staff members from various departments and bank branches formed the CBFit4Life Wellness Committee. They meet periodically to discuss employee feedback, as well as brainstorm wellness activities and promotional ideas According to Joann Tokarczyk, Citizens’ Payroll and Benefits Supervisor, As an added incentive, employees can to make smart choices—the cost of “Employees are thrilled with CBFit4Life earn credits that qualify them to enter implementation is minimal but the long- and the resources available to them. We random drawings for Visa® gift card term benefits are far-reaching.” have online access to really great tools. I prizes. The more programs employees encourage employees to take the time to Up next on the agenda for the CBFit4Life participate in, the more chances they Wellness Committee are onsite flu investigate all the features and tools the have to win—plus, they are working Web site has to offer to determine what clinics, a Weight Watchers at Work to improve their health which is the program for the Flint location, revamping best meets their wellness needs.” ultimate reward! vending machine options, and wellness To begin participating in the program, “The value is not in the Wellness Kit challenges. Citizens employees were required to or gift card drawings, but rather in a complete the HealthPlus HealthQuest HealthPlus has HealthQuest Workplace healthy employee,” Tokarczyk says. Wellness Program packages available at Profile (HQP), a health risk assessment. “We anticipate that CBFit4Life will help The first 1,200 employees to log in and little or no cost for employers of all sizes. increase productivity, boost morale, If you would like assistance in developing complete the HQP received a Wellness reduce stress and absenteeism and Kit which included a mesh backpack, a comprehensive wellness program for control preventable health care costs your employees, give us a call today at pedometer, water bottle and retractable within our organization. The beauty of measuring tape. 1-800-530-9071. CBFit4Life is we’re helping our employees 3 HealthPlus SaverPlus: Finally … some good news for Michigan businesses! New Benefit Plans for Individuals Anticipated this fall HealthPlus Signature and MedicarePlus Plans H HealthPlus MedicarePlus Plans ealthPlus now offers a health plan for every phase of life. We plan to introduce an array of new health plans designed to meet the needs of consumers looking for HealthPlus MedicarePlus Plans are affordable individual coverage options that can be tailored to their unique needs. Medicare Advantage and Supplemental These plans may be ideal for your employees or their family members if they are: plans designed for Medicare-eligible n Coming off a parent’s employer sponsored coverage individuals. Formerly known as n Facing a layoff n Considering early or age 65 retirement HealthPlus MedicarePlus n Losing their employer-sponsored AdvantageHMO – for individuals who health or COBRA coverage like having their primary care n Between jobs or just starting a job doctor serve as their health advocate, coordinating all of For your convenience, we will be their medical care. Offered to distributing a supply of brochures residents in Arenac, Bay, Genesee, Lapeer, Oakland, Saginaw, Shiawassee, St. Clair, highlighting our new individual plans to and Tuscola Counties. current HR contacts in the near future. If you have an employee who might be HealthPlus MedicarePlus AdvantagePPO – for individuals who like having the interested in one of these plans, we would freedom and choice to see any doctor in or out of HealthPlus’ preferred provider appreciate it if you would give them one of network. Offered to residents in Genesee and Saginaw Counties. these brochures. HealthPlus MedicarePlus SupplementalHMO – for individuals looking for additional coverage to help fill some gaps that Original Medicare doesn’t cover. Offered to residents in Arenac, Bay, Genesee, Lapeer, Oakland, Saginaw, Shiawassee, St. Clair, and Tuscola Counties. HealthPlus Signature PPO Plans HealthPlus Signature PPO Plans are designed for people 18 to 64 years of age who are looking to purchase individual or family coverage, and who live in the HealthPlus Senior, the Medicare HealthPlus service area. In other words, the new HealthPlus Signature plans are Advantage plans are now named designed especially for people who are not covered by an employer- or government- HealthPlus MedicarePlus AdvantageHMO sponsored program. and the brand new MedicarePlus AdvantagePPO. Both of the “Advantage” plans are contracted with Medicare. Our HealthPlus MedicarePlus Supplemental HMO plans are not contracted with Medicare, but are Signature One PPO – offered to approved by the State of Michigan. young adults, age 18-30, with no All of our current HealthPlus Senior and dependents. This plan is optimal for recent supplemental members will be receiving high school or college graduates, those new HealthPlus MedicarePlus ID cards starting a career or looking for a job, or those who are no longer eligible under when their benefit plan renews. For their parent’s group coverage. them, the ID # and benefits will remain Signature Savings PPO – offered to individuals and families, this is a high- the same – the only thing different will deductible, health savings account-compatible plan. be the new product name: HealthPlus MedicarePlus! Signature Select PPO – this is a traditional deductible plan offered to individuals and families. To be eligible for HealthPlus MedicarePlus plans, a member must be Signature Network PPO – for individuals and families, this plan has a custom enrolled in Parts A and B of the Medicare provider network. Program and reside in the HealthPlus service area. 4 We are now in St. Clair County! uest Workp m thQ lac ra al eW og e ellness Pr H Healthy employees HealthQuest Workplace Wellness Program Packages are more productive For fully insured HealthPlus PPO, HMO and POS members employees Core package Enhanced package Custom package A PROgRAM COMPONENTS For groups with For groups with For groups with 1-49 contracts 50-499 contracts 500+ contracts well-designed workplace Wellness Toolkit – tools to start and run a workplace wellness program can result 4 4 4 wellness program in a reduction in health risks, HealthQuest Profile – an online health risk appraisal 4 4 4 disability costs, absenteeism and workers’ compensation. Whether Electronic Personal Health Record 4 4 4 your employees want to quit HealthQuest Health & Wellness Online – an invaluable smoking, lose weight or increase source of interactive information on how to eat right, get fit 4 4 4 and stay healthy their physical activity—HealthPlus HealthQuest tobacco cessation and weight can help you customize a 4 4 4 management programs workplace wellness solution to fit HealthQuest Rewards discounts – discounts on various their needs! programs and services such as Weight Watchers, Jenny Craig, 4 4 4 fitness clubs and BarnesandNoble.com. If you would like assistance in HealthQuest HealthLinks monthly employer developing a comprehensive E-newsletter – program planning tips, a HealthQuest 4 4 4 workplace wellness program for Rewards offer, a recipe and a healthy living article your employees, give us a call Monthly employee newsletter, Impact News – for your employees with healthy living tips and a recipe 4 4 4 today at 1-800-530-9071. Aggregate employer reports – if 30 or more of your employees complete the HealthQuest Profile 4 4 4 Program design and coordination – a HealthPlus wellness consultant will assist you in developing and rolling out an 4 4 effective wellness package Onsite flu shot clinic 4 4 Two onsite Lunch & Learns – covering such topics as stress, healthy eating, exercise and healthy living 4 4 Wellness challenges – with customized campaign materials 4 4 Onsite biometric health screenings – blood pressure, height, weight, body mass index, cholesterol and glucose $ $ Employee incentive program – development, tracking and fulfillment $ 1-800-530-9071 Custom wellness Web site – with partnership logo, www.healthplus.org available exclusively to your employees and their families $ The HealthQuest Workplace Wellness Program is also available to non-HealthPlus employees $. $ Costs applicable. 5 The Plus just adds up to better health care for your employees. lthPlus He ns ea alth t io y S olu H A Healthier Bottom Line HealthPlus HealthySolutions members are taking control of their health and the results speak for themselves. In the first six months of implementation, an average of 79 percent of our HealthySolutions members have successfully completed the two steps required to remain in the Preferred Benefit Plan, surpassing the industry standard! HealthPlus HealthySolutions is a benefits- based wellness plan designed to: HealthPlus HealthySolutions is currently available as an HMO or n motivate your employees to take self-funded plan. responsibility for their own health by adopting healthier habits Preferred Benefit Plan Base Benefit Plan n help you manage health care costs If a member and covered spouse If a member or covered spouse n reduce employee absenteeism and increase productivity complete an easy two-step process does not complete an easy two-step and/or adopt and maintain certain process and/or adopt and maintain With this plan, you receive a reduced premium for your workforce coverage which healthy behaviors, the entire family certain healthy behaviors, the entire can result in an estimated qualifies to remain in the Preferred family will be moved to the Base 8 percent to 10 percent savings on employee benefit plan for the remainder of the benefit plan on the first of the month health costs (compared with standard HMO premiums). Your employees have the option year. following three calendar months from of receiving Preferred benefits with lower out- This plan has lower out-of-pocket the effective date of coverage. of-pocket costs or Base benefits with higher costs. This plan has higher out-of-pocket copays and deductibles. It’s really up to costs. them to choose which plan works for them and their lifestyle choices. Would you like more information? HealthPlus is here to help keep your business healthy. For more information, contact your Agent or HealthPlus at 1-800-530-9071 or visit www.healthplus.org. Flint • Saginaw • troy 1-800-530-9071 • T.D.D. 1-800-992-5070 • www.healthplus.org 6 HealthPlus HealthySolutions: There’s a Plus to leading a healthier life. EmployerPlus Mental Health Parity EmployerPlus is follow all federal HealthPlus willpublished twice a year to provide HealthPlus employers with Health requirements regarding Mental the latest news and trends in health management have any questions about Parity. If you welcome your comments and services. We a HealthPlus member’s benefits, at feedback. Please e-mail Jamie Whitten please visit www. healthplus.org or call email@example.com. Customer Service at 1-800-332-9161. Managing Editor Shelley Wyant Editor Jamie Whitten Fraud, Waste or Graphic Designer Jim Bakken Abuse To report fraud, waste or abuse, call 1-800-345-9956, or write to our Compliance Official at 2050 S. Linden Road, Flint, MI 48532. You do not have to leave your name. Remember to Distribute Annual Medicare Part D Notices by November 15, 2009 Employers who sponsor a health plan offering prescription drug benefits must provide an annual notice to all Medicare- Alert to Employers eligible participants that explains whether the prescription drug benefits Medicare Secondary Payor offered under the plan are at least as good as the benefits offered under the Requirements Medicare Part D plan. The Centers for Medicare and Medicaid For group Health Plans Services (CMS) provide a model of the individual notice of creditable coverage From the Centers for Medicare and Medicaid Services – Office of Financial Management/ at: Financial Services Group http://www.cms.hhs.gov/Creditable- Coverage/Downloads/Model_Cred- itable_Coverage_Disclosure_ A new Mandatory Insurer Reporting Law (Section 111 of Public Law 110-173) requires Notice_01_01_2009.pdf. group health plan insurers, third party administrators, and plan administrators or fiduciaries of self-insured/self-administered group health plans to report, as directed by the Secretary of the Department of Health and Human Services, information that the Secretary requires for purposes of coordination of benefits. The law also imposes this same requirement on liability insurers (including self-insurers), no-fault insurers and workers’ compensation laws or plans. Two key elements that will be required to be reported are SSNs (or HICNs) and EINs. In EmployerPlus order for Medicare to properly coordinate Medicare payments with other insurance and/or workers’ compensation benefits, Medicare relies on the collection of both the EmployerPlus is published twice a year to SSN or HICN and the EIN, as applicable. provide HealthPlus employers with the latest news and trends in health management Please note: If you are an employer offering GHP insurance coverage to your services. We welcome your comments and employees, HealthPlus is required to report health insurance information about feedback. Please e-mail Jamie Whitten at your employees to CMS. If we do not have a social security number for one of your firstname.lastname@example.org. employees who is a current HealthPlus member, we will be reaching out to obtain this Managing Editor Shelley Wyant information from you. Editor Jamie Whitten To confirm that this is an official Government request and for further information on Graphic Designer Jim Bakken the mandatory reporting requirements under this law, please visit the CMS Web site at www.cms.hhs.gov/MandatoryInsRep. 7 Call us for innovative and flexible cost-saving solutions.