Engagement is the key in wellness programs- but before you ask your employees to get involved in another wellness program, they need to understand the thought patterns that support health and what keeps people 'stuck". Harnessing behavior is the missing link. Thought patterns are the bedrock of change- how to assess and address the habits, patterns, beliefs and values that keep us from moving forward and going the distance in health. Unless employees have a 'battery pack' they can plug into - they will not have enough emotion to go the distance and they will remain 'double bound.' This is change engineering at its core-
During the webinar, we'll review the new provisions specific to small employers such as:
Premium rating rules for non-grandfathered individual and small group plans (in 2014, carriers may vary premiums based only on age (3:1), tobacco use (1.5:1), family size, and geography)
Deductible limits for non-grandfathered, small group plans. In 2014, deductibles for small plans cannot exceed $2,000/$4,000, with limited exception for plans unable to reach the actuarial value of a given coverage level (e.g., Bronze)
You've spent countless hours choosing the right medical plan for your company and your employees – now what other attractive options can you bring to your employees to reduce absenteeism, retain top performing employees and attract the best of the best? Non-insurance products and telehealth services provide consumers with choices designed to spend less of their hard-earned benefit dollars. Help your employees fully maximize their healthcare spending by providing these low cost consumerism programs.
Implementing products such as telehealth, medical bill saver and medical health advisor can help your employees and your organization save time and money as well as teach your employees how to be better healthcare consumers.
Greg Schlatter, EVP Business Development at New Benefits, will speak about how non-insurance products and telehealth services can fill that gap for your organization.
As health insurance costs continue to spiral upward at an alarming rate, it has become painfully clear, that the “traditional” strategies of changing insurance carriers, changing plan designs, and changing employee contributions will not and cannot provide any form of sustainability or predictability over the long term. All these strategies do is shift risk from one insurance carrier to another, or shift costs and liability from the insurance carrier or employer onto the employee.
Employers must change their thinking from that or RISK TRANSFERENCE to RISK MANAGEMENT when it comes to their employee benefits program. This presentation will outline the three areas of risk in an employer sponsored health insurance plan, and how to effectively manage that risk.
Wellness Analytics have evolved dramatically in the past few years with the growth of Big Data in health care and the capability of new wellness tools to create and execute on strategy. While analytics have traditionally been very expensive and used mainly for Benefit Plan Design, they are now more cost-effective and being applied to Wellness Plan Design, the next frontier of human resources productivity gains and cost savings. Modern analytics can help you generate return-on-investment through a better understanding of the health status of your entire population, alignment with wellness tools, and effective implementation and evaluation of wellness programs.
This webinar will explain the value of wellness analytics, how the field is evolving, and how they can be applied to help you achieve your population health improvement goals.
Dependent Eligibility Verification Audits are an increasingly integral part of health care cost containment, ERISA compliance, and PPACA "Pay or Play" analysis. On average, 4-8% of Dependents enrolled in company benefits are NOT eligible. This costs employers 10's of thousands, 100's of thousands - even millions of dollars annually. Time and Money are the most common objections to conducting an audit, along with fear of adverse employee reaction. This webinar explores Best Practices, mistakes to avoid, and the substantial ROI achieved from a comprehensive dependent audit.
Participants will learn what fraud in a benefits plan looks like, how prevalent fraud really is, and what type of savings they can generate for their company with an audit.
Launch your learning journey with a high energy start! This session will introduce the Institute for Human Resources (IHR) Benefits: Cost Containment, Audits and Legal Risks and the Institute for Human Resources (IHR) certification program. Find out about the workshops that will be available, and learn how the IHR certification process works. Throughout this conference you will gain practical ideas and concepts that you will be able to put into practice in your organization. You will be introduced to the Advisory Board, learn about the opportunity to become certified within the IHR and see who is speaking and their topics. You will be given guidance on how to chat online with colleagues and access the virtual exhibit hall. You will have the opportunity to ask questions as it relates to the overall program, prior to its commencement. You can access all of the archived sessions where we launched this Institute in May, 2011.
With labor costs already rising, will additional healthcare costs cut even more into your margins? And with new, complex, and hard-to-understand regulations before you, how can you ensure you have visibility for compliance purposes? The right labor strategy could prove invaluable in managing these new challenges while continuing to meet increasingly demanding customers.
The webinar Labor Strategies for Surviving the Affordable Care Act offers insight and actionable approaches that you can use now. As benefits continue to rise, what does that mean for your staffing strategies? Overtime? Part time and seasonal workers? Get ahead of this issue with a short web seminar on the immediate impact.
Beginning in 2014, the Affordable Care Act (ACA) broadens the definition of who qualifies for benefits under an employer health plan. Depending on the actions taken by employers, the eligibility pool could expand by five to ten million U.S. workers—representing potentially billions of dollars in additional health premiums. But how many of these newly eligible employees will actually participate in their employer’s health plan?
The answer is not clear. Many newly eligible employees occupy low-wage, non-exempt positions where health coverage was traditionally not offered. Income, age, and education could potentially influence participation. In order to forecast future health costs or evaluate alternative coverage scenarios under the ACA, employers need to understand the key variables likely to impact employee participation. To help employers navigate their options under the ACA, the ADP Research Institute conducted a study to help employers address critical questions:
• How could income and affordability impact employee participation in health benefits today?
• What percentage of employees pay more than 9.5% of income (the affordability threshold defined under the ACA) to purchase self-only health coverage?
• How do employer contribution levels compare with premium subsidies potentially available through a Public Health Exchange?
• Is there an income threshold below which an employee might prefer to participate in a Public Health Exchange?
In this webinar, we will use the empirical data gleaned from the ADP Research Institute study to gain insight into the likely purchasing behaviors for employers who sponsors health coverage. At lower-income levels, health premiums may consume 5% to 20% (or more) of an employee’s disposable income and affordability may be a significant issue. Some individuals may be resistant to purchasing coverage even with the individual mandate in place, while others may prefer to obtain coverage through a Public Health Exchange if subsidized coverage is available. Session participants will learn valuable insights that can help employers with economic modeling, cost forecasting, and scenario planning of their health benefits in 2014.
Learn how the choices you make could affect your organization.
Now that the Affordable Care Act is here to stay, many employers are asking, "What do I have to do to avoid penalties and minimize costs?"
Register for this complimentary webinar featuring expert advice from Monique Warren, partner at Jackson Lewis LLP, to learn how you can avoid being blind-sided by unanticipated costs in 2014.
In this webinar you will learn how the penalties can be triggered in 2014, their potential financial impact, and how alternatives to avoid these penalties may affect your organization. Employers that have not already done so must put a strategy in place and develop tools and processes to comply before the 2014 deadline.