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Formerly CDHC Solutions FORUM


CONFERENCE WORKBOOK Your Guide to The Institute for HealthCare Consumerism FORUM East




APRIL12-13, 2012

Formerly CDHC Solutions FORUM

CONTENTS Welcome Letter


Welcome Letter from Atlanta Chamber of Commerce


Congratulations Superstars




Galleria Centre Floor Plan




General Sessions




Sponsors and Exhibitors


Gold, Silver and Bronze Exhibitors




Thank You


Table Topic Discussions





BECOME A FREE MEMBER of The Institute for HealthCare Consumerism!

Members of The Institute join their fellow health and management industry professionals and nationally-recognized leaders in this online community to LEARN, CONNECT and SHARE in a 24/7, global environment as the journey toward health care consumerism continues. Members of The Institute are: • • • • • • • • • • •

Employers Human resources benefits managers C-suite executives Financial management decision makers Brokers Advisors Consultants TPA’s Administrators of regional health plan providers Solution providers Thought leaders and industry leaders

Sign Up Today for your FREE Membership to The Institute for HealthCare Consumerism at:

Membership is FREE and allows participants unrestricted access to the rich content and networking capabilities within, including latest articles, case studies, white papers, press releases, podcasts, videos and blogs focused on innovative health benefit management. Members also are able to post and share content and contribute to the collaborative environment within The Institute. Benefits of Your FREE Membership:

• Learn, Connect and Share with Network Peers and Industry Innovators as well as Fellow Members • Create a Member Profile and Join the Conversation by Creating Blogs, Commenting and Messaging • Receive the Official Print Publication of The Institute, CDHC Solutions • The IHC Today eNewsletter Delivered Bi-monthly • Read the Latest Breaking News Pertaining to Health Care Laws • Interact with Fellow Members, Search and Read Content within a Specific Network • Read Blogs from Industry Experts • Listen to The Institute’s Weekly Online Radio Show and Access its Archives • Access to The Institute’s Health & Wellness Video Library • Unrestricted Access to FREE White Papers, Surveys and Research and All Other Content • Become a Student and Take Courses at The Institute’s University Launching April 2012 • Receive a Member Discount for FORUM East and West Conference Series

Formerly CDHC Solutions FORUM

WELCOME On behalf of all of us at The Institute for HealthCare Consumerism, we want to welcome you and say thanks for attending our third annual FORUM East, produced by The Institute for HealthCare Consumerism. We especially want to thank those of you who have been with us before and have returned to the Cobb Galleria Centre, which has been a gracious host for our event over the last three years. Just as the health care consumerism megatrend has grown, our conference series has enjoyed tremendous expansion. We have graduated from a one-day show, featuring three general sessions and eight workshops, to a day-and-a-half event, showcasing a pre-conference, five general sessions and 24 workshops. This is the only event dedicated 100 percent to innovative health and benefit management solutions. For the next day-and-a-half you will be inundated with a vast amount of information that will inspire and provide the knowledge needed to implement new health care strategies or retool existing strategies to help reduce your company’s health care spending. You also will learn how to improve and empower your employee population to become better health care consumers. Health care consumerism is about transforming an employer’s health benefit plan by putting economic purchasing power and decision making into the hands of the employees. This is best achieved by supplying your employee population with the information, support tools, financial incentives, rewards and other benefits they need to make better decisions on their health care and health care spend. Look around this room. Everyone here is on a journey. They are on a journey to health care consumerism. Some may be in the fast lane, others the slow lane, and some are just getting on the road. Wherever you are on that path, FORUM East will provide the tools you need for a successful journey. In addition to the five general sessions held here in the ballroom, and three tracks of intimate workshops, our program provides a plethora of networking breaks, as well as an opening night reception that gives you plenty of time to CONNECT with fellow employers, brokers, TPAs, consultants and solution providers; SHARE your thoughts with your fellow peers, and LEARN more about the journey to health care consumerism. We want to thank you for attending, and we also want to thanks our gold sponsors Cigna and FIS Healthcare Payment Solutions, and our silver and bronze sponsors: Acclaris, AHIP, Allstate Benefits, Bank of America, Castlight Health, Ceridian, ConnectYourCare, Corporate Health Partners, DataPath, Delphi (M.A.P.), Delta Dental, Discovery Benefits, Dynamis, eflexgroup, eMindful, EnvisionRx, Evolution1, Foundation for Chiropractic Progress, gBehavior, Healthstat, Jellyvision, MasterCard, Mayo Clinic, Medcom, MedServ Global, Monocle Health Data, My Health and Money, My Health Check/Life Time Fitness, My HSA Rewards, Optum, Part D Advisors, Payflex, PDHI, Retail Benefits, Thomson Reuters, Transitions RBG, TSYS, UnitedHealthCare, U.S. Bank and WageWorks. During breaks, please visit our sponsors’ booths to LEARN, CONNECT and SHARE with fellow attendees.

Doug Field

Ron Bachman, FSA, MAAA

Founder and CEO The Institute for HealthCare Consumerism

Chairman of The Institute for HealthCare Consumerism Editorial Advisory Board 5

It is my pleasure to welcome you to the IHC FORUM East and to Atlanta. Atlanta is the place to be for a conference on innovative health and benefits management. The theme for this year’s conference, “The Journey of HealthCare Consumerism,” is a reflection of the journey that the health care industry is experiencing. Health care is a topic of discussion for everyone, from news reporters to legislators. However, there is good news out there, and Atlanta has good news to share about the health care industry. Atlanta is often referred to as the nation’s health IT capital, and is at the forefront of consumer digital health. There are more than 250 health IT companies in Georgia and that number continues to rapidly rise. Atlanta-based companies include McKesson Technology Solutions, ranked as the world’s largest by Healthcare Informatics in their annual HCI-100 List. This notable achievement is due to the vast assets of the city’s numerous HIT corporations, served and supported by the diverse resources of Georgia academic institutions and health care providers. Along with being the nation’s health IT capital, Atlanta benefits from the headquarters presence of national and global organizations, including the Centers for Disease Control and Prevention (CDC), American Cancer Society, the Arthritis Foundation, Task Force for Global Health, The Carter Center, Habitat for Humanity and CARE bolstering Atlanta’s reputation as a center for global health. Georgia has embraced the bioscience industry because of its ongoing and positive economic impact of $23 billion, employing more than 105,000 people, and developed multiple programs that encourage growth. Metro Atlanta and the state share a business friendly reputation, and we encourage you to get out and experience Atlanta during your visit. Before I close, I’d like to thank you for coming to IHC Forum East in Atlanta. You, as leaders, have the vision, the knowledge, the wherewithal and the experience to help us pave our way into the future. Throughout this conference, I ask you to stay engaged and help us shape the future of health care. My personal respect and thanks goes out to all of you.

David Hartnett, Vice President of Bioscience and Health IT Industry Development Economic Development Department Metro Atlanta Chamber



Do you know someone who goes the extra mile? A health and benefit manager who is a creative problem solver and innovator We’re looking for the industry’s true superstar—professionals in health care and benefit management, including: solutions providers, brokers, TPAs, employers, benefits coordinators and HR managers, who have excelled at implementing solutions to complex health care benefits issues. Superstars to be published December 2012 and will be accessible to more than 70,000 readers.



John J. Robbins Sr., Memorial CEO Leadership Award: To an outstanding leader of any size organization who is an exceptional businessperson, as well as a successful parent and pillar of the community. CEO Leadership Award: To an outstanding leader of any size organization, who embraces supports and endorsed an innovative health care or benefits program. Most Innovative Plan Design Award: To an HR/Benefits executive who identified and solved a problem using an innovative health care or benefits program. Most Effective Plan Implementation Award: To an HR/Benefits team that successfully implemented a health care or benefits program and exceeded goals or reaped unanticipated awards. Most Innovative Employee Education/Communication Award: To an employer, who designed and implemented tools for their employees that exceeded plan participation.

■ ■ ■

who designed and implemented tools that had a high engagement of employee participation in a health care or benefits program. Most Effective Population Health & Wellness Award: To an employer who uses the most innovative method to reduce absenteeism and chronic disease costs to improve overall employee health. Public Policy Leadership Award: An individual who encourages health care consumerism in public policy through legislation. Most Effective Solution Provider Award: To a solution provider who introduces the most innovative health care or benefit solution. Most Innovative Partner-Consultant Award; To a consultant who worked most effectively with an HR/Benefits team to implement a health care or benefits program. Most Innovative Broker Award: To a broker, who learned a client’s needs and provided the most effective solution for the employer.

Most Innovative Employee Empowerment Award: To an employer, 500 - 2500 employees

Nomination Categories: 2501 - 7500 employees

7500+ employees

For details, please visit Nominations open April 1, 2012. Magazine publishes December 2012. E-mail your Superstar nomination to or nominate online.

Formerly CDHC Solutions FORUM

2011 HEALTHCARE CONSUMERISM SUPERSTARS The Institute for HealthCare Consumerism Congratulates the winners of its sixth annual Superstars Awards The Institute for HealthCare Consumerism would like to congratulate the recipients of its sixth annual Superstars Awards. Many of these Superstars are in attendance at FORUM East, produced by The Institute for HealthCare Consumerism, and can be recognized by a special ribbon on their nametag. The HealthCare Consumerism Superstars Award program, honors those individuals who are making a difference in the health and benefit management arena. Nominations are now open at The Institute for HealthCare Consumerism website ( for our 2012 HealthCare Consumerism Superstars Awards. The 2011 winners are: John J. Robbins Senior Memorial Leadership Award

Most Innovative Employee Empowerment Award

• John Mackey, Co-founder, Co-CEO, Whole Foods

• Vanessa C. Newport, HR Manager, Pinnacol Assurance • Ginny Proestakes, Director of Health Benefits, General Electric

CEO Leadership Award • Joel Bomgar, Founder, CEO

Most Effective Population Health Management Award

• Dennis Triplett, CEO, UMB Healthcare Services

• Frank Walker, COO, Oakwood Homes LLC

• Jeff Young, CEO, Evolution1

• Elizabeth Dixon, Wellness Director, Chick-Fil-A

Most Innovative Health & Benefit Plan Design Award

Public Policy Leadership Award

• David Ganick, Benefits Manager, Vail Resorts

• Kevin McKechnie, Executive Director, ABA-HSA Council

• Rebecca Shipley, Director of total Rewards, Vail Resorts

• Roy Ramthun, President, HSA Consulting Services LLC

• Kristine Hackbarth-Horn, COO of People, Goodwill of North Central Wisconsin

Most Innovative Broker Award

• Melodie Powers, Director of Health Plans and Services, Concordia Plan Services

• Alex Tolbert, Founder, Bernard Health

Most Effective Health & Benefit Plan Implementation Award

Most Innovative Partner-Consultant Award

• Scott M. Wood, Principal, Benefit Commerce Group

• Lara LaRose, Manager, Health & Productivity Data Management, The Boeing Company

• Tony Holmes, Partner, Mercer Health & Benefits

• Amber Minor, Manager ES Subcontract Management, The Boeing Company

• Barb Vasko, Vice President, Aon Consulting

• Patricia Shall, President, Creative Benefits & Insurance Solutions

• Sylvia Wetzel, CLO, Bison Gear Engineering


Formerly CDHC Solutions FORUM

2012 FORUM EAST SCHEDULE WEDNESDAY, APRIL 11 1:00 p.m. – 5:00 p.m.

Pre-Conference – New! NAHU Consumer Directed-Healthcare Certification Course

5:00 p.m. – 9:00 p.m.

Exhibitor Set Up

THURSDAY, APRIL 12 7:30 a.m.

Registration Open

8:00 a.m. – 9:00 a.m.

Networking Breakfast / Exhibits Open

9:00 a.m. – 9:15 a.m.

Welcome Doug Field, CEO, The Institute for HealthCare Consumerism

9:15 a.m. – 10:30 a.m.

Opening General Session: “The Journey to HealthCare Consumerism”

10:30 a.m. – 11:00 a.m.

Networking Break / Exhibits Open

11:00 a.m. – 12:00 p.m.

Track #1 Workshops – (Choose One) 101 - Employee Engagement Strategies: Unlocking the Potential of Your CDHC Program 102 - Consumer for a Day – or a Lifetime? Connecting Health Care Consumerism in the Workplace To Retirement Planning 103 - The Changing Role of Supplemental Health Benefits and Health Care Consumerism Initiatives 104 - Making the Health Commitment 105 - Comprehensive Health Care Redesign 25 Keys to Redesign U.S. Health Care 106 - Personalized Communication: Improve Healthcare Engagement for a Healthier, More Productive Workforce 107 - Results Based Health Care Benefits – Managing Costs Through Personal Responsibility 108 - Simplifying and Administering Consumer-Directed Health Plans

12:00 p.m. – 1:00 p.m.

Table Topic Lunch

12:00 p.m. – 1:30 p.m.

Lunch in Main Ballroom / Table Topic Lunch / Exhibits Open

1:30 p.m. – 2:30 p.m.

Afternoon General Session: “Health Provider Panel”

2:30 p.m. – 2:45 p.m.

Networking Break / Exhibits Open

2:45 p.m. – 3:45 p.m.

Track #2 Workshops – (Choose One) 201 - Align Leadership Development and Health Improvement to Maximize Investment in Employee Total Well-Being 202 - Controlling Costs and Expanding Choice with Defined Contribution Health Care 203 - Successful Engagement Strategies Utilizing Incentives to Promote Compliance with Wellness and Care Management Programs 204 - Best Practices in Employee Engagement: The ‘Take Charge’ Campaign at Life Technologies 205 - Taking the Fear out of High-Deductible Health Plans 206 - Show me the Money: Improving Health Status with Consumer-Directed Accounts 207 - Health Investment Strategies: The Convergence of Technology, Health Investment and Consumer Choice 208 - Value-Based Insurance Design and Chiropractic Care: An Unlikely Partnership?


Formerly CDHC Solutions FORUM

3:45 p.m. – 4:15 p.m.

Networking Break / Exhibits Open

4:15 p.m. – 5:15 p.m.

Closing General Session “Population Health Management Multi Stakeholder Panel”

5:15 p.m. – 7:15 p.m.

Opening Night Reception / Exhibits Open / Prize Drawing

7:30 p.m. – 9:30 p.m.

League of Leaders Dinner and Networking Event (Invitation Only)

FRIDAY, APRIL 13 7:30 a.m.

Registration Open

8:00 a.m. – 9:00 a.m.

Networking Breakfast / Exhibits Open

9:00 a.m. – 10:00 a.m.

Opening General Session: “HealthCare Reform: A Potential Pothole on the Journey to HealthCare Consumerism”

10:00 a.m. – 10:30 a.m.

Networking Break / Exhibits Open

10:30 a.m. – 11:30 a.m.

Track #3 Workshops – (Choose One) 301 - Consumerism Driven Health Care – How Can it Help the Retiree Population Both in a Group Setting and as Individuals? 302 - COBRA in the Age of Health Reform 303 - Ten Ways to Make Your Benefits Communication A LOT More Engaging. Wait – Special Bonus for IHC participants: 11 Ways! 304 - Picking a Self-Funded Claims Administrator 305 - Broker Track: Defined Contribution and Private Exchanges: The Revolution of Small Group Benefits 306 - CDHP + Price Transparency = Bigger Savings and ROI 307 - The Coming Impact of Consumer-Designed Health Tech 308 - Updating Your CDHP, Health Reform and Cost Strategies – A Total Replacement CDHP Case Study

11:30 a.m. – 12:30 p.m.

Grand Finale Networking Break / Exhibits Open / Exhibitor Prize Drawings

12:30 p.m. – 1:30 p.m.

Closing General Session: “Employer Panel: What HealthCare Consumerism Means to You”

1:30 p.m.

2012 FORUM East Ends


Formerly CDHC Solutions FORUM


Exhibitor Schedule Thursday, April 12 8:00 a.m. – 9:00 a.m. 10:30 a.m. – 11:00 a.m. 12:00 p.m. – 1:30 p.m. 2:30 p.m. – 2:45 p.m. 3:45 p.m. – 4:15 p.m. 5:15 p.m. – 7:15 p.m.

Friday, April 13 8:00 a.m. – 9:00 a.m. 10:00 a.m. – 10:30 a.m. 11:30 a.m. – 12:30 a.m.

Cyber Café sponsored by MasterCard (located in pre-function foyer)

Sponsor/Exhibitor Booths 1 - FIS Global 2 - United HealthCare 3 - Monocle Health 4 - Evolution1 5 – Delta Dental 6 – EnvisionRX 7 – Allstate 8 – Dynamis 9 – HealthStat 10 – PayFlex 11 – Foundation for Chiropractic Prograss

12 – Discovery Benefits 13 – ConnectYourCare 14 – Optum 15 – Ceridian 16 – Mayo Clinic 17 – TSYS Healthcare 18 – US Bank 19 – eFlexGroup 20 – Bank of America 21 – My Health & Money 22 – WageWorks 23 – Delphi – Medical Advocate Program

24 – MedServ 25 – Thomson Reuters 26 – Acclaris 27 – PDHI 28 – gBehavior 29 – PilotHSA 30 – eMindful 31-36 – Networking and Media Center 37 – My HealthCheck 38 – CastLight 39 – Jellyvision

40 – United Benefit Advisors 41 – Corporate Health Partners 42 – MedCom 43 – AHIP 44 – DataPath 45 – Part D Advisors 48 – Transitions RBG 49-50 – The Institute for HealthCare Consumerism 51 – Retail Benefits 52 – My HSA Rewards


Formerly CDHC Solutions FORUM

PRE-CONFERENCE New! NAHU Consumer Directed-Healthcare Certification Course Consumer-directed health care options, including those for health savings accounts (HSAs), flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs), have opened a wealth of opportunities for consumers. These opportunities have created new responsibilities for consultants, agents and brokers, and advising clients in these areas is more difficult and time-consuming than it has been in the past. To address the new market options, NAHU has revised its CDHC certification course into an even more robust program. Completion of this course will ensure a higher level of technical knowledge of the rules and regulations pertaining to various types of consumer-directed health care options and proven methods for communicating those options to employers and employees in a compelling way. The certification program in consumer-driven health care (CDHC) is a four-hour course that provides brokers, consultants, advisors and employers with information they can use to help clients consider these fast-evolving plans and implement them successfully. The certification will serve as a distinction for producers as credentialed experts in the sophisticated space of CDHC. Approved by states for insurance continuing education credits; this course: • Compares health reimbursement accounts (HRAs), health savings accounts (HSAs) and other plan designs • Considers current and projected adoption • Presents comprehensive guidance on eligibility, contributions and all technical elements • Provides two frameworks: one for selling CDHC and another for implementing CDHC, which brokers may share with employers • Suggests enrollment and communication strategies and tactics • Involves class participants in breakout discussions on ways to implement specific, hypothetical cases

4 hour CE credits are offered to insurance agents and brokers in all 50 states. Speaker: Eric D. Johnson, Director of Education, HealthEquity



Formerly CDHC Solutions FORUM

GENERAL SESSIONS Thursday, April 12, 2012 •  9:15 a.m. - 10:30 a.m.

“The Journey to HealthCare Consumerism” The opening session of the Institute for HealthCare Consumerism’s FORUM East conference, “The Lynch Bachman Reynolds Journey to HealthCare Consumerism,” will provide a roadmap for companies navigating the new health and benefits landscape. Led by industry experts Ron Bachman, Dr. John Reynolds and Dr. Wendy Lynch, the session begins at 9:15 a.m. on April 12 at the Cobb Galleria Centre in Atlanta, Georgia. The IHC FORUM’s opening general session promises to provide direction to businesses embarking on health care consumerism plans for the first time, as well as those more experienced with consumer-driven solutions. Dr. Lynch, co-director for the Center for Consumer Choice in Health Care at the Altarum Institute, researches health and benefit arrangements that encourage high employee performance, and result in mutual gain for corporations and their workforce. She will co-lead the session with Mr. Bachman, a senior fellow at the Center for Health Transformation, president of Healthcare Visions and The Institute for HealthCare Consumerism Advisory Board Chairman, and Dr. John Reynolds, president, FIS Healthcare Solutions. The three will share valuable insights into the current state of health care consumerism, cost-effective plan design and implementation tips, and strategies to engage and educate employee consumers. “When employees become better consumers,” says Dr. Lynch, “they not only save money for the company, but also for themselves.” In addition to coaching attendees on setting up winwin, incentive-rich scenarios for their employees, Dr. Lynch will advise companies on the importance of being transparent with workers regarding health care expenses. When employees realize that cost-efficient, consumer-driven plans can result in higher take-home pay, they are much more likely to be amenable to changes in their health and benefits programs. Speakers: Ron Bachman, FSA, MAAA, Sr. Fellow Center for Health Transformation, President of Healthcare Visions & Chairman, The Institute for HealthCare Consumerism’s Editorial Advisory Board. Dr. Wendy Lynch, Co-director, Altarum Center for Consumer Choice in Health Care, and Dr. John Reynolds, President, FIS Healthcare Solutions.


Afternoon General Session – Day One Thursday, April 12, 2012 •  1:30 p.m. – 2:30 p.m.

“Health Plan Provider Panel” Our interactive Health Plan Provider Panel is one of our five information-rich general sessions designed to help companies like yours navigate the new health and benefits landscape. The panel Young Hankins features three top executives from major health plan providers sharing leading practices on cost-effective plan design and implementation. Moderated by John Young, senior vice president of consumerism AhmadStyf at Cigna Healthcare, this Q&A-style Wilson panel discussion also includes up-tothe-minute insights on complying with the Patient Protection and Affordable Care Act. Don’t miss this critical opportunity to get answers to your most pressing health care consumerism questions. Moderator: John Young, Senior Vice President, Consumerism, Cigna Healthcare. Speakers: Craig Hankins, Consumerism Lead, Product & Innovation, UnitedHealthcare, Sarah Ahmad-Wilson, Director, Commercial Product Development, Humana, and Dan Styf, Vice President, Regional and Marketing Strategy Kaiser Permanente.

Closing General Session – Day One Thursday, April 12, 2012 •  4:15 p.m. – 5:15 p.m.

“Population Health Management Panel” A critical part on the journey to HealthCare Consumerism is implementing a successful wellness program for your employee population. During this general session you will take away vital Weber Edington Ridgway Kirsten information from a panel of experts who represent national employers and will provide the know-how to crack health care costs by developing a well-worthy wellness program that offers results. The panel includes: D.W. Edington, Ph.D., Professor Division of Kinesiology and Director of Health Management Research Center University of Michigan; Jeff Ridgway, Director of National Accounts,

Formerly CDHC Solutions FORUM

myHealthCheck; and Wolf Kirsten, Founder and President of International Health Consulting, who are all considered rock stars in the field of wellness. Moderated by Donald Weber, take this valuable opportunity and enhance your education of wellness so you can effectively boost your team’s behavior. Moderator: Donald P. Weber, Managing Director, PricewaterhouseCoopers’ Human Resource Services Group. Speakers: D.W. Edington, Ph.D., Professor, Division of Kinesiology, Director, Health Management Research Center University of Michigan, Jennifer Sargent, Vice President, myHealthCheck, and Wolf Kirsten, Founder and President of International Health Consulting.

Morning General Session – Day Two Friday, April 13, 2012 •  9:00 a.m. – 10:00 a.m.

“Health Care Reform: A Potential Pothole on the Journey to HealthCare Consumerism” “Health Care Reform: A Potential Pothole on the Journey to HealthCare Consumerism,” is another one of our five Ramthun Bachman Hickman general sessions offered by The Institute for HealthCare Consumerism’s FORUM East conference. This session will address the financial implications of health care reform, its possible effect on consumer-directed health plans and strategies companies can use to save money amidst the volatility. Led by industry experts Roy Ramthun and John Hickman the session will be held at 9:00 a.m. on April 13 at the Cobb Galleria Centre in Atlanta, Georgia. Mr. Ramthun is a Washington insider and recognized thought leader on HSAs and consumer-directed health care issues. A former policy advisor to President George W. Bush, Mr. Ramthun will leverage his diverse public policy, government and private sector experience to help FORUM attendees navigate health care reform, manage expenses and prepare for the potential shift in health care legislation. He will co-lead the session with Mr. Hickman, head of the Health Benefits Practice at Alston + Bird, LLP and a pioneer in the consumer-driven health care arena. Mr. Hickman has worked closely with financial institutions and employers as well as the IRS, and Departments of Treasury and Labor to develop HSAs and HRAs. The session will be moderated by Center for Health Transformation fellow and Healthcare Visions president, Ron Bachman. Moderator: Ron Bachman, FSA, MAAA, Sr. Fellow Center for Health Transformation, President of Healthcare Visions

& Chairman, The Institute for HealthCare Consumerism’s Editorial Advisory Board. Speakers: John Hickman, Partner, Alston + Bird LLP and Roy Ramthun, President, HSA Consulting Services, LLC; Former Senior Health Policy Advisor to President George W. Bush.

Closing General Session – Day Two Friday, April 13, 2012 •  12:30 p.m. – 1:30 p.m.

Employer Panel: “What HealthCare Consumerism Means to You” Health care spend is one of the most pressing issues U.S. businesses face today. While most companies are unwilling to eliminate employer-sponsored health plans altogether, they struggle to find ways to effectively manage skyrocketing premiums without sacrificing the quality of care their workers receive. The “What Health Care Consumerism Means to You” general session Comola Nacin explores the benefits of implementing cost-saving, consumer-driven health plans, regardless of the economic climate. As a mega trend that is changing the way health programs are put in place, it is vitally necessary to lower health care HackbarthGanick spend, improve productivity and engage Horn employees. The session will be held on April 13 at 12:30 p.m. at the Cobb Galleria Centre in Atlanta, GA. The panel, comprised of several of the health care consumerism movement’s leading voices, will offer insights on how businesses of all sizes can reduce costs immediately, boost employee morale and productivity, and engage workers in making wellinformed health care decisions for themselves and their families. The session will focus on forward thinking, consumer-driven solutions such as corporate wellness programs, cost savings initiatives, health savings accounts, health reimbursement accounts and supplemental health plans. Moderator: Jon Comola, CEO and Chairman, Wye River Group and Founder of Foundation for American Healthcare Leadership. Speakers: Trudie Nacin, Division Chief, State Health Benefit Plan Georgia Department of Community Health and Kristine Hackbarth-Horn, Chief Operating Officer of People, Goodwill of North Central Wisconsin, David Ganick, Benefits Director for Vail Resorts, and Kelly Keith, Senior Manager, Health and Welfare Plans at Coca Cola Refreshments.


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Formerly CDHC Solutions FORUM

101 – EMPLOYEE ENGAGEMENT STRATEGIES: UNLOCKING THE POTENTIAL OF YOUR CDHC PROGRAM An interactive workshop with Ernie Harris, senior product manager of CDHC solutions for Ceridian U.S. Your consumer-directed health care (CDHC) strategy is only as cost-effective as your employees are engaged. In this workshop, you’ll learn how to form a best-in-class employee engagement strategy that helps you unlock the savings potential of your CDHC program by maximizing participation, encouraging cost-effective spending and improving the health of your workforce. You’ll also have a chance to discuss best practices and top challenges with peers and ask questions that are top-of-mind regarding CDHC employee engagement. Speakers: Ernie Harris, Senior Product Manager of CDHC solutions for Ceridian and Neisha Strambler-Butler, Manager of Health Benefits, Work Life Programs and HR Administration, Texas Instruments and Chris Hunt, Vice President – Benefits Administration, HSBC. Harris



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Partnering with Ceridian can help you address, and even benefit, from the rapid changes in the health care industry. • • • • •

Simplify CDHC administration Reduce claims Manage COBRA Streamline payment processing Reduce benefit administration expenses

Stop by booth #15 to learn more about how our innovative solutions can help you transform your organization. © Ceridian Corporation. All rights reserved.

Boost Your Bottom Line With The Most Comprehensive COBRA Solution Administration Software Come see us at Booth 44 Don’t miss our workshop on Friday, April 13 at 10:30 a.m.

COBRA in The Age of Health Reform

Formerly CDHC Solutions FORUM

102 – CONSUMER FOR A DAY—OR A LIFETIME? CONNECTING HEALTH CARE CONSUMERISM IN THE WORKPLACE TO RETIREMENT PLANNING Most people think about their health benefits in terms of a single year—basing choices on premiums and deductibles, saving money in a tax-advantaged account, earning short-term rewards through wellness programs. What if you could show them how they could, through better “health and wealth planning,” spend less on health care, save more and prepare for a rewarding retirement? In this workshop, you will learn:

How to help employees connect being a health care consumer today with their goals for retirement • • •

How taking advantage of wellness benefits employers has financial benefits for today, tomorrow and into retirement How saving strategies today can pay off in a more secure retirement Health and money are your employees’ two biggest assets. Learn how to help them make the most of both. Speaker: Todd Berkley, Vice President, Consumer Driven Accounts, OptumHealth


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With all the risks associated with running a business, employee benefits shouldn’t be one of them. When you partner with us, business gets a whole lot simpler. • A full portfolio of benefits including FSA, HSA, HRA, COBRA and Transportation • Experienced and accountable staff—specialists in each line of business • An effortless participant experience through innovative technology • Award-winning customer service that leads to high retention rates

Visit us at booth #12 or at Enjoy the show!

Formerly CDHC Solutions FORUM

103 – THE CHANGING ROLE OF SUPPLEMENTAL HEALTH BENEFITS AND HEALTHCARE CONSUMERISM INITIATIVES Supplemental Health Benefits (SHB) are playing an increasingly prominent role in helping employees meet their health care needs and contributing to overall financial wellness. In addition to augmenting employers’ core health care programs, SHB programs help to reduce employee health care costs while offering the opportunity for employees to customize their benefits for their particular circumstances. At the same time, SHB programs are making an increasingly positive contribution to employer profitability by reducing companies’ health care costs. Thus, SHB provide a win-win for both employees and employers. Taking off from these underlying advantages of SHB programs, this workshop will elaborate on how to successfully implement these programs for the benefit of both employees and employers. Led by Kim Adler, vice president of national accounts for Allstate Benefits (along with other industry leaders), the workshop will discuss: (1) the increasing importance of SHBs for employee financial wellness and (2) how to empower employees to make informed SHB choices and thus mitigate risk. Finally, (3) attendees will hear from prominent national employers on how they are successfully using SHB programs for health care consumerism initiatives. Speakers: Kim Adler, Vice President of National Accounts for Allstate Benefits, Michael P. Oates, SPHR, CBP, CCP, Chief Human Resources Officer, FIS,  Jennifer Kennington, Division Director for Benefits Administration for the State of Georgia and Robert F. Croom, President of Impact Benefit Management Services. Adler



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Join the consumer-driven healthcare revolution with the combined strength of Evolution1.

Our Advantages • The nation’s largest electronic payment, on-premise and cloud computing healthcare solutions • Solutions administer HSAs, HRAs, FSAs, VEBAs, Wellness and Transit Plans • Serving over 60,000 companies and 8 million consumers • Industry leading prepaid benefits card with innovative auto-substantiation technologies

Whether you’re a benefits administrator driving greater profitability, an HR Professional looking for a worry-free way to offer HSAs and FSAs to your employees, a broker wanting to recommend the best solution to your clients, a financial institution expanding product offerings, a health plan provider seeking efficiency gains, or a software developer providing payment solutions, Evolution1 can meet your needs.

SIMPLIFYING the Business of Healthcare

© Copyright 2012, Evolution1, Inc. All Rights Reserved. Lighthouse1 is a registered trademark of Evolution1, Inc. (formerly Lighthouse1). PayDirect and Benny Prepaid Benefits Card are registered trademarks of Evolution1 (formerly Evolution Benefits, Inc.).

Defining Innovation in CDHC

Come see us at Booth 8 to learn more

Formerly CDHC Solutions FORUM

104 – MAKING THE HEALTH COMMITMENT As health exchanges come to form in 2014, many employers are decreasing or eliminating health benefits and coverage, which spells disaster for controlling health costs and improving health and productivity. This session explains:

1. Why it is vital that employers remain paternal providers of health coverage for employees 2. How to leverage health benefits to stimulate health behavior change 3. How to centralize health and wellness activities that add synergy and momentum Speaker:Â R. John Kaegi, Chief Corporate Strategist, Healthstat Inc. Kaegi

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Motivating and maintaining positive, productive, cost-saving behaviors

Wellness Incentive Platform • Complete, Turnkey Solution • Design and Implementation

• Engagement Activities • Total Fulfillment • Thousands of Reward Options • Customer Support • Participant & Management Reporting

gBehavior creates powerful incentive solutions to help companies and health plans translate business goals into behavior change. Visit us at Booth 28 888-949-0541

Energize your wellness initiatives. Reduce your healthcare costs. At gBehavior, we motivate participants to adopt disease management and healthy living practices. If you are frustrated with current participation levels in your wellness initiatives, contact gBehavior for a customized solution to meet your business goals.

Formerly CDHC Solutions FORUM

105 – COMPREHENSIVE HEALTH CARE REDESIGN: 25 KEYS TO REDESIGN U.S. HEALTH CARE This course broadens the knowledge base of the professional health insurance agent about providing for and financing of health care. The professional health insurance agent will see how to integrate principles of health care financing with other integral aspects of the United States health care system: providing of medical care; the attitudes and actions of health care consumers; ideas about health care financing; role of a variety of types of institutions. Learning Objectives:

1. The professional health insurance agent will gain a broader understanding of the diverse aspects of how health care is consumed, delivered, and paid for in the United States. 2. The professional health insurance agent will be better able help clients make informed decisions about appropriate health plans and options in the context of the current and anticipated health care reform effort. 3. Armed with new information and a broader understanding of the challenges facing United States’ health care, the professional health insurance agent will be able to advise clients and others in the community as to best practices and wise choices to deliver and pay for quality health care services. Speaker: Dave Racer, President, Coalition for Healthcare Redesign Racer

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Healthcare is


with a partner who identifies and manages health risks early. Healthstat’s unique predictive modeling system promotes early knowledge and treatment of health risks to prevent sudden complications from derailing your business. Our experience, advanced technology and scalability can help you create an environment of wellness that works. As the leading provider of on-site primary care, health risk intervention, chronic care management and occupational medicine, Healthstat is here to make healthcare better. Inspire a healthy change today, by visiting


iful t u a e b t i s i V



e v o in N

r! e b m


Or, let ALEX™ tell the Fargo branch about their benefits.

Stop by our booth to meet ALEX, and be sure to visit us at JBC_ad-halfP.indd 1

ALEX, the Jellyvision Benefi ts Counselor, is a highly interactive, online experience. As a virtual host, ALEX talks with your employees in plain English, and makes everything – from deductibles to tax-advantaged accounts – not only understandable, but engaging. For real! ALEX can handle your benefit communication tasks for you, wherever your employees are, 24/7. Hundreds of thousands of people have already spoken to ALEX, and let’s just say they are in love. In fact, over 90% of those surveyed said they understood and appreciated their benefits more, thanks to ALEX. …Plus, ALEX never needs a motel room.

2/13/2012 2:26:12 PM

Formerly CDHC Solutions FORUM

106 – PERSONALIZED COMMUNICATION: IMPROVE HEALTHCARE ENGAGEMENT FOR A HEALTHIER, MORE PRODUCTIVE WORKFORCE In this session, Thomson Reuters thought leader Shane Sumner, MSW, discusses how a more engaged workforce leads to better population health and a more productive workforce. Matthew Collins will then share personalization best practices that maximize engagement around choosing the correct plan during time of enrollment, as well as year-round engagement with personalized communications for gaps-in-care and overdue preventive screenings. Speakers: Matthew Collins, Director, Product Management, Thomson Reuters and  Shane Sumner, Consulting Director, Thomson Reuters. Collins


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Monocle H e a l t h

D a t a


Educate and engage your employees during enrollment and help them make smarter, more cost-effective decisions. At Thomson Reuters, we know informed consumers are the key to improving quality and controlling costs. But it’s difficult for consumers to get the information they need when they need it. That’s why we provide employers with an innovative set of support resources for their employees: • Guided decision support to help employees select the most appropriate plan options • Personalized health reminders for preventive care and chronic condition management • A treatment cost calculator to help employees understand expenses and select the most effective, efficient providers

CLAR•I•TY /kler-i-tee/ n. Knowing you can show your employees the path to becoming better healthcare consumers.

Our employee empowerment tools show employees a clear path to right-sized, cost-effective healthcare coverage choices, which in turn helps employers realize actual savings. To learn more about Thomson Reuters employee empowerment solutions, visit or email us at ©2012 Thomson Reuters. All rights reserved. Thomson Reuters and the Kinesis logo are trademarks of Thomson Reuters.

Formerly CDHC Solutions FORUM

107 – RESULTS BASED HEALTH CARE BENEFITS – MANAGING COSTS THROUGH PERSONAL RESPONSIBILITY More and more employers are exploring implementing health management programs with a results based incentive strategy to drive personal responsibility in their employee population. Today the majority of employers are using a carrot type of incentive design based upon participation; rewarding participants by reducing premiums or other cash incentives if they participate in program initiatives. As health care costs continue to rise and employers struggle to justify the existence of a health management program, results based incentive design should be considered to drive personal responsibility and behavior change. As a result of attending this session, you will walk away with tangible examples of results based incentive designs and the tools needed to begin talking about implementing this type of program with senior leaders. Learning Objectives:

1. 2. 3. 4. 5.

Provide an overview of health management program incentive design (participation vs. results based). Understand best practices of implementing a results based incentive design based on employer specific examples. Review of the legal and compliance issues associated with results based incentive design. Understand expected outcomes related to a results based incentive design. Provide a framework employers can use to begin the discussion around whether results based incentive design is appropriate for their organization. Speaker: Jeff Ridgway, Director, National Accounts, myHealthCheck


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NOTES: _____________________________________________

TRANSPARENCY All Pharmacy Benefits Management companies are not the same. Envision Pharmaceutical Services is truly as different from other PBMs as an apple is to an orange. With Envisions’s Transparent 100% pass-through and fully auditable business model, an apple is truly an apple. Envision’s guiding philosophy is simple – focus on quality, safety and lowest net cost for our clients. We contractually guarantee 100% pass-through on all pharmaceutical manufacturer rebates, administration fees and pharmacy network discounts to the plan sponsor at the point of sale. Currently Envision manages the pharmacy benefits for over 125 Taft Hartley Trust Funds nationwide. Why, because we deliver outstanding service to your members and significant savings to the Trust Fund. Learn Why Envision is at the Core of Pharmacy Benefits. For details, visit or call 1-800-361-4542.

HeAltH cAre

dOllArs & sense Tip #15 Today, health care requires a financial prescription. Better see a specialist.

_____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________ _____________________________________________

Ask OptumHealth for a treatment plan that includes health accounts. We offer tax-advantaged health savings, flexible spending and health reimbursement accounts, plus COBRA, billing, stop loss coverage and other benefit administration services. Lots of companies can do the record keeping. We combine that with a commitment to help people live their lives to the fullest. It’s health care dollars and sense, and it’s what we do best. Learn more at or call 1-866-427-6804.

Health savings accounts (HSAs) offered by OptumHealth Bank, Member FDIC, and are subject to eligibility requirements.

NAHU Ad 75 x 4875 1

2/24/12 9:04 AM

Formerly CDHC Solutions FORUM

108 – SIMPLIFYING AND ADMINISTERING CONSUMER-DIRECTED HEALTH PLANS This workshop will showcase trends and best practices on how employers can use the combined power of technology and services to drive client value and use technology as the catalyst, to tie everything together into a market-ready CDH solution, saving the employer time and money. Rob Banuelos, of Bank of America, will share how Acclaris’ holistic formula for CDH account administration enables:

• • • • •

Unlimited capacity for growth Accurate, reliable account delivery Increased profitability through new revenue channels Efficient workflows for all parties Agility to adapt to changing market demands Speakers: Jim Priebe, Chief Growth Officer, Acclaris, Inc. and Rob Banuelos, SVP, Bank of America Benefit Solutions


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Revolutionize how you manage health care costs. myHealthCheck puts you in control. SM

myHealthCheck is a revolutionary, results-based health benefits solution that empowers you to author a health plan based on personal responsibility and rewards employees for reducing health risks. Make myHealthCheck part of your employee benefits plan. Contact us at 877.935.5267 or

©2012 LIFE TIME FITNESS, INC. All rights reserved. MHMG2021

A winning combination Our unique experience in both the healthcare and payment services industries means unmatched expertise and reliability. Known for our elite levels of customer service and a long-term commitment to the industry, TSYS Healthcare® is focused on lasting relationships and people-centered payments . SM

Integrity | Relationships | Excellence | Innovation | Growth

Learn more at or call us at +1.706.649.5080

Get to know us. 1.706.649.5080 © 2012 Total System Services, Inc.® All rights reserved worldwide. TSYS® is a federally registered service mark of Total System Services, Inc.

Formerly CDHC Solutions FORUM

201 – ALIGNING LEADERSHIP DEVELOPMENT AND HEALTH IMPROVEMENT TO MAXIMIZE INVESTMENT IN EMPLOYEE TOTAL WELL-BEING Many employers are searching for creative ways to attract and retain excellent employees, to reduce health care costs and to increase employee morale. This session will explore: What it means to be “Fit to Lead” at Chick-fil-A and the benefit of aligning leadership training with health initiatives:

• • •

Effects of physical exercise on leadership The value of senior-leadership visibility and support Targeted development programs from Chick-fil-A Wellness that succeed in moving employees to action Speaker: Elizabeth D. Dixon, Wellness Director, Chick-Fil-A


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Flexible Spending Accounts A Flexible Spending Accounts A Commuter Benefits A Commuter Benefits A Health Savings Accounts A Health Savings Accounts A Health Reimbursement Arrangements A Health Reimbursement Arrangements A COBRA A COBRA A

Our programs provide savings to both Employers programs–provide savings to both Employers andOur Employees a win-win proposition. and Employees – a win-win proposition. Employees reduce their taxes by participating Employees reduce their taxes by participating in FSA, HSA and Commuter programs. in FSA, HSA and Commuter programs.

Fantastic. Fantastic.

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Commuter Card TRANSIT

5150 4099 9123 4567 5150 VALID THRU

Formerly CDHC Solutions FORUM

202 – CONTROLLING COSTS AND EXPANDING CHOICE USING DEFINED CONTRIBUTION HEALTH CARE Employers face the ongoing challenge of managing rising costs and continuing to offer competitive benefits that meet employees’ needs. With the defined contribution health benefits model, employers simply decide the funding model and budget. Employees have access to pre-tax funds to purchase health and other types of insurance, as well as other tax-sheltered plans. The key to success is ensuring employees are given the tools to help them select plans that make the most sense for their unique circumstances. Also, by helping employees take an active role in making decisions and managing costs, these plans are creating a generation of more informed and savvy health consumers. The defined contribution health model is growing in popularity, with high expectations for consumer-centric communication and education, automated processes and selection tools. Speakers: Jeff Bakke, Chief Strategy Officer, Evolution1 and  Joe Donlan, President of ConnectedHealth. Bakke

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Benefits that are tailored to you

When it comes to employee benefits, one size doesn’t fit all Your employees have different insurance needs, so why offer them a one-sizefits all option? With Allstate Benefits, you can offer your employees a variety of different coverage options, allowing them to tailor their benefits however they want. Our coverages provide protection from unexpected illnesses, injuries, disabilities and death. With limited benefit insurance products such as life, health, accident and critical illness, Allstate Benefits offers something for everyone. Allstate Benefits has been in the business of protecting lives for more than 50 years, so you can rest assured your employees are in good hands.®

Ensure your employees have insurance coverage that fits their needs. Call us today at 1-800-521-3535 or visit us at

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office: Jacksonville, FL), a subsidiary of The Allstate Corporation. ©2012 Allstate Insurance Company.

Got New Employees? Begin with the Basics Introducing AHIP’s newest course: Health Insurance 101: An Orientation is a flexible online course created to orient those new to the health insurance industry. Formatted in 15-30 minute modules, it allows students to learn at their own pace and on their own time, maximizing their interest and comprehension. Make it Your Organization’s Health Insurance Orientation Course If you have unique training needs or wish to supplement the course, we can customize it accordingly. The flexible format lets us incorporate your exclusive products into the curriculum. It will become a course designed solely for your employees. Learn. Achieve. Succeed. 800.509.4422

Want to Know More? For details and answers to your questions about Health Insurance 101: An Orientation, e-mail Lindsey Miranda-Canaley at or call the Support Team at 800.509.4422. Content and Design AHIP—All Rights Reserved: © AHIP 2012

Formerly CDHC Solutions FORUM

203 – SUCCESSFUL ENGAGEMENT STRATEGIES UTILIZING INCENTIVES TO PROMOTE COMPLIANCE WITH WELLNESS AND CARE MANAGEMENT PROGRAMS Learn how to make your wellness program work utilizing unique and innovative engagement strategies that are proven. During this workshop you will gain answers to the following questions: How do we engage our employees/membership immediately? How do we keep them engaged on a monthly, quarterly and annual basis? What types of communication tools are effective and ineffective? How can results be measured? What types of incentives really work and how are activities such as exercise and nutrition monitored? Speakers: Don Doster, President, CEO, gBehavior and  Mark Mixer, Vice President, Marketing, Alliant Health Plans Doster


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trusted Make the right decision by choosing an administrator who will provide product education, tools that drive enrollment and support that engages participants. Employers, brokers and consultants trust in our banking technology, breadth of experience and administrative capabilities. Health Savings Accounts Flexible Spending Accounts Health Reimbursement Arrangements Retiree Healthcare Accounts Health Incentive Accounts © 2012 Bank of America Corporation. All rights reserved.

Visit us at booth #13 to win a free iPad

Don’t just wish for better service. Partner with a company that delivers it. • Expert administration of HSAs, FSAs, HRAs & more • Superior account technology • Expert customer service and dedicated employer support • Participant communications designed to drive enrollment using proven ConsumerologySM principles

• Mobile technology empowers members • Multi-account healthcare payment card • Online member portal and employer dashboard ConnectYourCare has the expertise to simplify account administration, drive account enrollment and deliver greater employee satisfaction.

Formerly CDHC Solutions FORUM

204 – BEST PRACTICES IN EMPLOYEE ENGAGEMENT: THE ‘TAKE CHARGE’ CAMPAIGN AT LIFE TECHNOLOGIES How can you establish a culture that gets employees involved in managing health care delivery choices? Learn how Castlight Health and Life Technologies partnered together to engage employees in the health care conversation and drive consumerism. Speakers: Carole Mendoza, Director, Benefits at Life Technologies and  Ethan Prater, Vice President of Product Marketing, Castlight Health Mendoza


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NOTES: _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________ _________________________________

whatever it takes and then some More dentists

Less out-of-pocket

Simpler process


At Delta Dental Insurance Company, we focus on giving you the best dental plans you can find. So it’s really no surprise that more people choose Delta Dental than any other dental carrier. Dental plans are underwritten by Delta Dental Insurance Company – with nearly 50,000 dental office locations to choose from.

Formerly CDHC Solutions FORUM

205 – TAKING THE FEAR OUT OF HIGH-DEDUCTIBLE HEALTH PLANS Too many brokers, employers and employees view consumer-directed health plans (CDHPs) as simply low-premium, high outof-pocket cost alternatives to traditional compressive health plans that only benefit young, healthy participants. Review actual case studies of employers implementation of CDHC and look behind the scenes of how employers across the country are creating CDHPs that meet budget requirements but still provide attractive plan options to employees. Speaker: Dan Morrill, CDHC Specialist, Co-Founder, President, Dynamis


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Evidence-based Mind Body Wellness eMindful’s focus is reducing employee health care costs and increasing productivity. We offer courses designed to address significant health issues including Workplace stress, Weight management, Chronic pain, Tobacco cessation, Diabetes and Depression relapse management. Because our programs are offered live via the internet, they are easily accessible by students worldwide. Visit us at booth 30 For more information

Nigel Wallbank Executive Vice President, Business Development and Sales 1201 19th Place | Suite B100 | Vero Beach, FL 32960 Ph: 772-569-4540 | C: 305-632-3334 |

For more than 100 years

, Mayo Clinic has helped millions of people from all walks of life navigate their way to better health – one person at a time. The quality and integrity that have been hallmarks of Mayo Clinic for decades is at the core of our solutions for: • Health risk assessment • Lifestyle and behavior change

• Demand management • Decision support

Call or go online for more information.


Formerly CDHC Solutions FORUM

206 – SHOW ME THE MONEY: IMPROVING HEALTH STATUS WITH CONSUMER-DIRECTED ACCOUNTS This workshop will focus on the future design of Consumer-directed accounts, including health reimbursement arrangements, health flexible spending accounts and employer contributions to health savings accounts in a post-Affordable Care Act world that demands greater consumer engagement to improve health status. We will discuss wellness incentives and defined contribution HRAs to purchase private exchange coverage and employer contributions to Health FSAs. Speaker: Jody L. Dietel, CFCI, Chief Compliance Officer, WageWorks, Inc.


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Isn’t it time to do wellness well? Entrust your employee wellness program to the experts.

♥ Healthier Employees


Contained Costs

Increased Productivity

Corporate Wellness & Health Management Solutions Contact us today. (615) 810-8433 x3 ● ●

Experienced. Responsive. Trusted.

• Administration of FSA, HRA, HSA, DCAP & Commuter Benefit Programs • COBRA Administration • Regulatory Compliance Consulting

• Plan Document Preparation • Wrap Documents • Nondiscrimination Testing • Actuarial Analysis & Consulting • Over 28 Years Experience Providing Third Party Administration and Regulatory Compliance Services to Leading Brokers!

Your employee benefit solution center

Formerly CDHC Solutions FORUM

207 – HEALTH INVESTMENT STRATEGIES: THE CONVERGENCE OF TECHNOLOGY, HEALTH INVESTMENT AND CONSUMER CHOICE As employers, consumers, and the health care community at large grapple with skyrocketing costs, the impact of health insurance reform, and the shift to greater consumer participation—both in payment and decision making—everyone is looking for the “next big thing” that will speak to some of the challenges. This session will look at several emerging areas of consumerism, including personal health investment and health exchanges, HDHPs, and HSAs. Attendees will come away with a clearer understanding of the issues and trends that will affect benefit program design over the next five years and how technology ties the industry together in critically meaningful ways. Speakers: Bob Borneman, VP of Healthcare Product Development, TSYS Healthcare and  Ralph Bernstein, SVP, Healthcare Payment Solutions, U.S. Bank Borneman


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Savings Range from 40%-80% on Surgical Procedures Building on experience garnered since 2007, MedServ Global has established a solid foundation to address the emerging globalization of healthcare. Our approach has won the 2011 Industry Innovator Award from the Institute for Healthcare Consumerism. MedServ Global provides affordable access to surgical procedures and other treatments through our high quality network of physicians and US accredited American and international facilities. By leveraging a diverse Global Network design, combined with FIVE-STAR Personal Patient Services and member support, MedServ delivers a unique, first quality, end-to-end experience to individuals and their families.

Employers Win - Employees Win

MedServ can save private pay patients, employers, and insurers up to 80%. In addition, with the right benefit design, employees can save up to 100% for treatment. MedServ Global’s products and services facilitate direct and personal contact between all parties involved in the surgical decision making process. Programs include access to covered benefit and cosmetic/dental/elective care offerings, continuity of care and personal electronic health records, social networks molded around multi-media medical content, ancillary retail discount programs and membership/network programs.

MedServ Global, LLC | 3719 Old Alabama Rd | Suite 300 #G176 | Phone: +1-678-528-8511 | Web: | Email:

My Health and Money Employee Advisory


Inexpensive, add-on benefit | Customizable web platform Works with any insurance plan | Hassle-free implementation

Formerly CDHC Solutions FORUM

208 – VALUE-BASED INSURANCE DESIGN AND CHIROPRACTIC CARE: AN UNLIKELY PARTNERSHIP? As a benefits strategy, value-based insurance design (VBID) is being implemented for an expanding range of health care services. Recent studies of the clinical and financial outcomes of chiropractic services for neck and low back pain justify serious consideration for inclusion of this treatment approach in a VBID strategy. For these two conditions, chiropractic treatment has the potential to generate comparable outcomes relative to medical therapy, with the potential for minimizing surgical intervention and promoting functional recovery. This session will provide the evidence to support consideration of chiropractic treatment as a component of a VBID strategy at the employer, health plan and individual levels. Speaker: Dr. Bruce Sherman, MD, FCCP, FACOEM and Medical Director, Employers Health Coalition


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The “cure” for HSA fees. By spending $100, Amy has more than covered her monthly HSA fee.

Amy spends $100 at in the online My HSA Rewards mall



Amy earns 4% cash back from purchases*

Amy deposits $4 into her HSA via My HSA Rewards


My HSA Rewards is a free program designed to help your employees contribute more money to their HSAs simply by shopping. Your employees can earn cash back rewards from purchases at hundreds of major online retailers—like,,—and the rewards are even tax deductible** when deposited into their HSAs.




If your company provides employees with the opportunity for an HSA, visit for more information. *Cash back rewards vary from .5%–28% depending on the merchant. **Talk with your CPA or tax advisor regarding tax deductions in your state. My HSA Rewards is a registered trademark. ©2012 My HSA Rewards.

0389 My HSA IHC Ad 022712 Final.indd 1

2/27/12 9:53 AM

Retail Benefits has over 40 years of experience in the employee benefit space and affiliate marketing world. Combining today’s latest technology with ecommerce, Retail Benefits brings an innovative platform to companies, associations, and non-for profit organizations. The Retail Benefits platform can be utilized as an employee benefit to help reduce employee health care costs, as a customer loyalty program to reward customers and grow the brand, and by non-profits as a passive fundraising platform.

Check us out at Booth 51

Retail Benefits… Do Rewards Better…

Formerly CDHC Solutions FORUM

301 – CONSUMERISM DRIVEN HEALTH CARE: HOW CAN IT HELP THE RETIREE POPULATION BOTH IN A GROUP SETTING AND AS INDIVIDUALS? Medicare A and B, with a supplement, can be shopped through Transitions RBG, a portal with the aid of a social worker or teacher bringing lower cost and benefit to retirees. There is no longer a need to offer group retiree plans. Did you know you can transition the retirees to an individual plan and the employer can still pay for benefits through an HRA attached to the plan document? What does this accomplish? This saves money for the employer, as the experience is transferred to the medicare claims pool; retiree gets more bang for their buck and really learns which options are available; and if the plan is a trust—through education of the union reps and the members, the trust dollars will last longer if they fund through an HRA and move the retirees off a group product and into an individual model. Once 2014 hits there will be more clarity on PPACA, mid- to small-sized groups will be in excellent shape, plus more… Speaker: Kate Crouch, Founder, Health and Welfare Benefit Services


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Your Employees and Retirees need a Resource that Cares! Offering the ONLY Caregiver Assistance Program For Employees! We Provide:


       

Education on “Understanding Medicare” Guidance through compliance and healthcare reform Analysis of current “retiree benefit packages” Access to our online post-65 Health Exchange A first look review on Retiree Plan Documents Better options to serve your retirees The ONLY Medicare support system for “care giving” employees Full Retiree support with our own dedicated Care Team

“Soft Landings for Retirees”

Engaging consumers to make informed health care decisions UnitedHealthcare’s consumer-driven health (CDH) plans were designed to get employees on the path to good health with improved lifestyle habits and use of the health care system. That’s why our plans offer: • 100% preventive coverage and personalized messaging based on individual health care needs

• Easy-to-use resources for employees, including treatment cost estimators, Quicken Health Expense Tracker®, and Health Care LaneSM to help members understand and maximize their health care benefits

• Banking through our own OptumHealth Bank, Member of the FDIC, offering integrated access to account balances and a debit card that makes payments easier

Tools like these help employees become active in their own health care decisions. We also offer the employer readyto-use tools to implement and successfully maintain its consumer-driven health plans. For more information on UnitedHealthcare’s CDH plans, visit or call 1.866.438.5651.

READY. SET. GROW HEALTHY. UHCTOGETHER.COM/CDH ©2012 United HealthCare Services, Inc. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Health plan coverage provided by or through a UnitedHealthcare company. UHCEW572737-000

Formerly CDHC Solutions FORUM

302 – COBRA IN THE AGE OF HEALTH REFORM While the coming years will bring even more changes to the American health insurance market, the requirement that employers offer continuation of group health care coverage for terminated employees (or any other Qualifying Event), as required by the Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985, will not. To remain compliant, smart employers will outsource their COBRA administration to knowledgeable vendors with advanced tracking software. Insurance brokers looking to diversify their offerings in the face of market instability would be wise to consider offering COBRA administration as a source of steady revenue and stickiness to current and future clients. Speaker: Todd Eason, COBRA Product Specialist, DataPath Inc. a Software Solutions for Benefit Plans


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ConXus Platform

NOTES: ________________________________ ________________________________ ________________________________ ________________________________ ________________________________ ________________________________ ________________________________ ________________________________ ________________________________

The integrated ConXus Platform supports delivery and measurement of workplace wellness programs. The platform is used by wellness providers to service many end clients and large employers in delivering comprehensive workplace wellness programs.

________________________________ ________________________________

For more information about taking your program to the next level, visit us at booth #118

________________________________ Tina Marie Dean DireCTor oF SaleS 515.440.8372 •

________________________________ ________________________________

Health Savings Accounts I made easy

one source. Independent, comprehensive HSA administration

PilotHSA was founded with a single purpose – to provide leadership in Health Savings Account administration. PilotHSA provides complete back-office services, call center support, online tools and education, enrollment support and services and HR support and training. Focused expertise Comprehensive support

More options No hassle compliance

Marketing support Carrier independence

Learn more > toll free. 888 860-2978 option 2

Formerly CDHC Solutions FORUM

303 – TEN WAYS TO MAKE YOUR BENEFITS COMMUNICATION A LOT MORE ENGAGING. WAIT—SPECIAL BONUS FOR IHC PARTICIPANTS: 11 WAYS! Are your employees suffering from benefits bewilderment? Are you nervous about rolling out a new plan? This workshop will illuminate ways to dramatically improve your benefits communication, leaving employees smarter about their benefits and more appreciative of you (as they should be, right? Right!). Through simple exercises and real-world examples, you will learn to banish confusion and apathy from open enrollment, excite new hires and win the beaming admiration of your leadership. Speaker: Harry Gottlieb, Founder, The Jellyvision Lab, Inc.


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304 – PICKING A SELF-FUNDED CLAIMS ADMINISTRATOR This workshop will focus on trends used to determine why self-funding benefits will work for your organization. You’ll learn answers to questions such as why purchase stop-loss coverage, and touches on trends like creating your own benefits plan without dealing with state regulations; choosing the PPO network that works best for employees thanks to network discounts; lowering costs with no premium taxes; owning your own claims data and auditing your contracted vendors to avoid overpayments; and offering a wellness benefit to include a health risk assessment to lower claims costs. Speakers: Karen Hunt, Vice President, Paragon and  Daniel L. Cottrell, VP, CIGNA Payer Solutions Hunt


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305 – BROKER TRACK—DEFINED CONTRIBUTION AND PRIVATE EXCHANGES: THE REVOLUTION OF SMALL GROUP BENEFITS Small group employers are finding it increasingly difficult to provide group coverage to their employees. The costs of group insurance is made much more expensive than individual health insurance for several reasons, including federal and state mandates more onerous in the group market. In addition to the high costs, minimum funding requirements and participation requirements make offering group insurance especially difficult for employers. There is an alternative option for employers— defined contribution plans. When done correctly and in compliance the benefits for employers, employees, and brokers are numerous. Technology solutions such as Private Exchanges will equip brokers to walk their clients through this paradigm shift that is occurring. Speaker: Josh Hilgers, President, Health Partners America


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306 – CDHP + PRICE TRANSPARENCY = BIGGER SAVINGS AND ROI This workshop reviews Monocle’s proprietary tool calculating employer savings and ROI from synergies of CDHPs and price transparency. Just fill in a dozen assumptions in Monocle’s worksheet and see in table and graph form: ROI, savings and premium impact. Refine assumptions repeatedly to see their impact in this interactive exercise. It’s fast, easy, accurate—making a compelling case for employees and the C-suite. Speaker: Michael Cadger, Founder and CEO of Monocle Health Data


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307 – THE COMING IMPACT OF CONSUMER-DESIGNED HEALTH TECH Account-based health designs after 10 years are becoming more and more about adopting strategy that innovates in local health financing markets. Ten years of solid innovation have created an employer-consumer toolkit that is years ahead of the curve. This means that adoption will depend on broader system-wide ‘consumer-designed’ technology trends like telecommunications, telemedicine and banking technology. This session will describe why market adoption is the goal of consumer-designed health benefits markets, and how “CDH Tech” may assist with the adoption curve by supporting broader changes.

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Why and how innovation is far exceeding adoption in 2012 Why more innovation can sometimes be a bad thing for adoption How to achieve the goal of ‘total market adoption’ nationwide The five categories of ‘health tech’ that could drive adoption Speaker: William Boyles, Founder, Publisher, Interpro Publications Inc.


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308 – UPDATING YOUR CDHP, HEALTH REFORM AND COST STRATEGIES—A TOTAL REPLACEMENT CDHP CASE STUDY It is a business imperative that employers update their CDHP strategy to address the realities of continued escalating costs and health care reform. This workshop will have a large manufacturing employer discuss how their organization is migrating to total replacement CDHP, and their actuarial consultant will overview how employers are updating their CDHP/health management strategies to effectively integrate powerful new network, care management, PCMH and other innovative cost savings components. Speakers: Tony Holmes, FSA, MAAA, FCA, Mercer Health and Benefits LLC., and  Eddie Reeves SPHR, CBP, CCP, Director, Human Resources Operations, Shaw Industries Inc. Holmes


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Allstate Benefits

Enroller Resource Center

FIS Healthcare Payment Solutions

America’s Health Insurance Plans (AHIP)

ABA HSA Council


Bank of America Benefit Solutions™

National Association of Alternative Benefits Consultants, Inc. (NAABC)



Corporate Health Partners

Castlight Health

Delta Dental

Global Knowledge Exchange Network





National Association of Health Underwriters (NAHU)

Discovery Benefits


Wye River Group on Healthcare


Mayo Clinic



Foundation for HealthSMART Consumers

Foundation for Chiropratic Progress

Medical Advocate Programs


MedServ Global

Healthstat, Inc.

My Health and Money

The Jellyvision Lab, Inc.

My HSA Rewards


Part D Advisors

Monocle Health Data



Protocol Driven Healthcare, Inc.


Retail Benefits


Transitions RBG

Thomson Reuters


The Leapfrog Group

Coalition for Healthcare Redesign Sage Benefit Group Medical Travel Today HRmarketer United Benefit Advisors Worldwide Employee Benefits Network (WEB)

TSYS Healthcare U.S. Bank WageWorks


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Contact: Gary Edwards, Sales Manager 404.443.8816 •

CIGNA Corporation serves millions of people worldwide through medical, dental, behavioral health, pharmacy, vision, life, accident and disability benefit plans and insurance. Known as a health and related benefits company, our involvement with customers goes deeper than handling insurance claims. Employers look to us for the expertise, services and tools that help improve the health and wellbeing of their employees. Our customers seek our guidance in making informed health care decisions. Our wide range of programs and resources make it possible for companies to lower their costs, for individuals and families to live healthier, more secure lives.

FIS Healthcare Payment Solutions

Contact: Jim Priebe, Chief Growth Officer 813.873.2020, ext 1197 •

Acclaris delivers financial technology and services that power and simplify the complex administration of HSAs, HRAs, FSAs and much more for HR outsourcers, benefits administrators, financial institutions and health plans. Acclaris offers clients an innovative approach to faster, more profitable growth, greater agility and higher member satisfaction.

Castlight Health

Contact: Melissa Swisher, Regional Vice President, East Americas 704.895.0548 •

Contact: Paul Boemer, National Sales Manager 414.577.9289 •

FIS Healthcare Payment Solutions is transforming the health care payments industry by accelerating the exchange of information and funds between patients, payers, providers and financial institutions. Forging new connections between payment and data systems to quicken the claims process, FIS expedites benefits eligibility verification, claims substantiation, medical remittance processing, and payment and explanation of benefit distribution. With Web-enabled tools, an HSA platform, multi-purse benefit debit cards and combo eligibility/ payment cards, FIS enables integrated consumer benefit account management of HSA, FSA, HRA, and dependent care and transportation accounts.


Castlight Health enables employers, their employees, and health plans to take control of health care costs and improve care. Named #1 on The Wall Street Journal’s list of “The Top 50 Venture-Backed Companies” for 2011 and one of Dow Jones’ 50 Most Investment-Worthy Technology Start-ups, Castlight Health helps the country’s self-insured employers and health plans empower consumers to shop for health care. Castlight Health is headquartered in San Francisco and backed by prominent investors including Venrock, Oak Investment Partners, Maverick Capital, Morgan Stanley Investment Management, Wellcome Trust, Cleveland Clinic, and U.S. Venture Partners. For more information, please visit our  website  or call  888. 227.8544.

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Ceridian is a global business services company that provides a variety of human resource solutions. From benefits to payroll services, we help organizations maximize their human, financial and technology resources. Whether an organization’s goals are to save money or improve productivity, Ceridian provides the insights and solutions that ensure success.

The Dynamic Plan Designer by Dynamis is the leading tool designed to allow users to perform real time analysis of fully insured CDHC plan designs and instantly see how changes impact both employers and employees. Integrate plan data into customized communication pieces to assist employers in making informed decisions, helping to increase adoption rates in CDHC plans.



DataPath, founded in 1984, is a management-owned, privately held company based in Little Rock, Arkansas, that produces software solutions for administering employee benefit plans. Our clients include employers, third party administrators, benefit consultants, Plan Service Providers, banks, certified public accountants, insurance companies, and insurance agencies. DataPath is determined to provide flexible solutions to allow its clients to market, propose, install, administer, test, and report employee benefit plans.

Evolution1 and our Partners serve more than 8 million consumers, making us the nation’s largest electronic payment, on-premise and cloud computing healthcare solution that administers reimbursement accounts, including HSAs, HRAs, FSAs, VEBAs, Wellness and Transit Plans. It is the only solution that offers a single end-to-end user experience, provides innovative auto-substantiation technologies, and automates workflow for Partners, employers, and consumers. It does all this on one technology platform comprised of Lighthouse1™, PayDirect®, the Benny® Benefits Debit Card, Lighthouse1 OneCard™ and integrated web portals. Evolution1 and our Partners are dedicated to delivering value, reducing costs and simplifying the business of healthcare.

Contact: Jack Stephens, Major Account Representative 404.250.4400 •

Contact: Charles Robbins, Director of Sales 800.633.3841 •

Discovery Benefits

Contact: Arika Palloch, Senior Marketing Coordinator 701.239.621 •

Discovery Benefits is the sixth largest third party administrator of FSA, HSA, HRA, Transportation and COBRA plans. Discovery’s philosophy is to provide responsive and flexible administrative services creating value for our clients and their employees. We are a consumer-focused organization blending people and technology to provide high-quality customer service and administration.

Contact: Tom Roshar, Director of Sales 414.817.7939 •

Contact: Sales 952.908.9056 •

Foundation for Chiropratic Progress

Contact: Lauren Kennedy 201.641.1911x14 •

Employers and insurers are shifting their attention to valuebased insurance design and its associated cost-sharing principles. While these plans have generally been used to lower cost-sharing for highly effective prescription drugs, the same strategies may be applied to non-drug services. In the case of low back pain, a leading ailment in the U.S., employers and health plans will find that the utilization of chiropractic care will lead to cost-savings and improved quality of life. This session will expand on the value-based 63

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approach for non-evasive treatments, using evidence based assessments to support decision-making at the employer, health plan and individual levels. Learn more about the Foundation for Chiropractic Progress.


Contact: Don Doster 888.949.0541 •

gBehavior offers complete reward solutions that incentivize program participants for healthy behavioral changes. Our wellness platform, Rewards for Wellness, tracks participants’ progress against pre-determined goals, and rewards them for achieving these goals. gBehavior handles all phases of design, implementation, engagement, rewards management and in-depth reporting. gBehavior offers a unique value proposition—no monthly fees. We get paid only on results.

The Jellyvision Lab, Inc.

Contact: David Daskal, Sales 312.340.6405 •

The Jellyvision Lab, Inc. offers a novel approach to benefits communication. ALEX™ is a most innovative, effective, and beloved Virtual Benefits Counselor, at least according to companies and employees that have met him. Designed as an interactive, online experience, ALEX explains benefits in a way that employees can understand and makes recommendations based on employees’ needs. Oh, and he does all this while saving administrators time, money and enrollment headaches.


Contact: Mike Pillatsch, Vice President Prepaid Business Development| 773.380.8135 •

Healthstat, Inc.

Lester Morales, VP National Sales 813.784.1519 •

Healthstat, Inc. is a leading provider of on-site primary care, high health risk intervention and disease management services. Our goal is to alleviate a corporation’s rising cost of healthcare by improving the health of their employees. With the utmost discretion, we identify chronic health risks and work with the employee to manage their condition before it requires more serious treatment. We accomplish this through the implementation of on-site clinics, preventative care and wellness programs. We get proven results and judge success through both the bottom line and the healthy life. Today, we serve over 200,000 employees at more than 100 companies and staff over 300 clinics nationwide.

MasterCard is a global payments and technology company. It operates the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. MasterCard’s products and solutions make everyday commerce activities—such as shopping, traveling, running a business and managing finances—easier, more secure and more efficient for everyone.

Monocle Health Data

Michael Cadger 404.630.8980 •

Monocle Health Data is the only company that provides independent, objective rankings of health care providers based on both actual market price and quality ratings from credible sources. This empowers employees when selecting providers through health care price and quality transparency. Monocle also increases employer savings and high-deductible plan adoption.


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Contact: Jeff Ridgway, LifeChanger, Director 770.828.6000 • myHealthCheckSM is a revolutionary, results-based product that empowers companies and their employees to manage health care costs through personal responsibility. Put simply, myHealthCheck lets you author health plans that directly link healthy lifestyle choices to employee health care premiums.


Contact: 866.427.6804 •

OptumHealth Financial Services offers products and services that help make health care more accessible and more affordable. The company includes: third party administration (TPA) of health accounts and other benefits; world-class transaction processing services with one of the largest electronic payment networks in the industry; and OptumHealth Bank, Member FDIC, a leading health savings account (HSA) custodian. We also offer stop loss coverage to help self-funded employers manage the financial risk of their group health plans.


Contact: Brendan Kerrigan 203.913.2070 •

Thomson Reuters

Contact: Suzanne Wasner, Senior Marketing Manger 734.913.3008 •

Thomson Reuters Consumer Advantage™ gives employees the information and resources they need to effectively manage their health for improved outcomes and lower costs for employers. From Informed Enrollment to engage employees in coverage decisions to our Treatment Cost Calculator revealing treatment costs, Thomson Reuters offers employers a comprehensive consumer solution.

TSYS Healthcare

Contact: Trey Jinks, Group Executive 706.649.2417 •

TSYS Healthcare provides end-to-end strategic payment solutions for consumer directed healthcare. We partner with benefits administrators, financial institutions, health plans and software providers to navigate all aspects of HSAs, HRAs, FSAs, cash reimbursements and lines of credit, rewards and claim payments. TSYS Healthcare cards offer participants the security they expect along with the ability to conveniently access funds from multiple accounts and manage their benefits payments with simplified singlecard access. Clients and partners benefit from simplified processes, reduced paperwork and cost savings that contribute to improved return on investment.

U.S. Bank PayFlex® is leading the way in account-based health plan technology and innovation. HealthHub®, powered by PayFlex®, combines benefits administration with wellness solutions to educate, engage and empower employees to improve their health and financial well-being. Incentivebased wellness programs integrated with account-based health administration sets PayFlex® apart in the consumerdirected marketplace.

Contact: Patrick Farrell, Vice President of Business Development 612.716.2538 •

U.S. Bank Healthcare Payment Solutions makes it easy to increase revenue, decrease costs, improve efficiency, and provide great financial options—even in this shifting healthcare environment. An outgrowth of U.S. Bank’s longstanding commitment to the health care community, Healthcare Payment Solutions delivers innovations that simplify the receipt and processing of payments, provides new and better ways for individuals to meet their financial obligations, and supports the relationship among the participants in the health care continuum—payer and provider, employer and employee, broker and consultant. We’re uniquely qualified to help you 65

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adapt to marketplace changes quickly and successfully, thanks to our deep technical expertise in electronic payments and reconciliation as well as our unparalleled knowledge of the health care payments industry.


Contact: Sales 1.877.924.3967 •

WageWorks, Inc. is a leading on-demand provider of taxadvantaged programs for consumer-directed health, commuter and other employee spending account benefits, or CDBs, in the United States. We administer and operate a broad array of CDBs, including spending account management programs, such as health and dependent care flexible spending accounts, or FSAs, health savings accounts, or HSAs, health reimbursement arrangements, or HRAs, and commuter benefits, such as transit and parking programs.

BRONZE SPONSORS Allstate Benefits

Contact: Steve Clabaugh, Sales 904.992.5889 •     

Allstate Benefits (AB) is the #2 benefits provider in the industry today. AB offers the broadest group and individual product portfolio in the industry, with a wide range of quality and competitively priced life, health, disability, vision and dental products. As one of the largest U.S. distributors of workplace insurance, AB has more than 31,000 active workplace employer accounts with more than 2.5 million worksite policy and certificate holders.

America’s Health Insurance Plans (AHIP) Contact: Lindsey Canaley 202.861.1465 •

America’s Health Insurance Plans (AHIP) is a national association representing nearly 1,300 member companies providing health insurance coverage to more than 200 million Americans. 66

Bank of America Benefit Solutions™ Contact: Sales 800.992.3200 •

Bank of America Benefit Solutions™ provides a simplified, flexible and innovative consumer-directed health care program that allows employers to fully and seamlessly integrate their health care plans with related CDHC accounts–all from one trusted financial partner. Employers can maintain stability in their account-based programs year in and year out, regardless of changes they make to health plan offerings, or designs. Our cornerstone product, The HSA for Life™ health savings account, is a truly portable HSA that stays with the consumer through all of life’s changes—whether they move, change health plans or employers, or even retire. HRA and FSA employer sponsored program administration is available, too. A single platform allows employers to offer stand alone or “stacked” accounts—enabling full customization and integration with their health plan offerings.


Contact: Sam Mayfield, Senior Sales Director| 410.793.9123 •

ConnectYourCare offers a leading CDH accounts platform, including HSAs, FSAs, and HRAs. The ConnectYourCare solution provides employees with a transparent and seamless transition to CDH. Our stewardship model utilizes behavioral economics optimizing the CDH experience. ConnectYourCare was proudly named the leader in CDH solutions by Forrester, an independent market research firm.

Corporate Health Partners Contact: Jack M. Curtis Founder & Chief Executive Officer 404.994.2888x115 •

Corporate Health Partners (CHP) is a full-service wellness company that designs and manages corporate health and wellness programs across the nation. CHP’s strength is managing local Wellness Coaches at each worksite—to

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implement best practices, coach the client’s wellness team and deliver year round programming. Our coaches also deliver highly effective, face-to-face health coaching that’s complimented by weekly touch points. CHP’s systematic approach and hands-on focus weaves wellness into the culture and achieves lasting, measurable results.

Delta Dental

Contact: Frazier Sherrill, Sales Director 770.641.5196

Delta Dental leads the industry in designing innovative dental coverage programs that keep costs down and deliver quality care. Our diverse client list includes everyone from Fortune 100 companies to public agencies to individuals and families. Our customer’s satisfaction is based on our expansive dentist network, cost-saving mechanisms and superior customer service. We are part of the Delta Dental Plans Association that provides dental coverage to more than 56 million people in the U.S.


Contact: Nancy Dantzman, Sales 877.933.3539 •  is a nationwide administrator of pre-tax benefits and COBRA. Committed to providing fast answers, fast claims, and web self-service, we set the industry standards for service. With a customer focus and Lean Six Sigma methodology, we don’t talk about service, we prove it. See our metrics at


Contact: John Ewell 1.800.361.4542 •

Envision Pharmaceutical Services, Inc is a full service pharmacy benefits management company. Our business model is based on transparency and full disclosure, guaranteeing 100 percent pass through pricing of all pharmaceutical rebates and any other fees/discounts at the point-of-sale. Additionally, we offer solutions for your retirees in terms of Medicare Part D and Employer Group Waiver Plans.

Mayo Clinic

Contact: Frank Rutkowski, MPH, Regional Manager 803.732.8930  •

Mayo Clinic extends medical expertise to people throughout their lives through its division of Population Health Solutions. An integrated suite of Mayo Clinic online, phone and print programs aim to reduce health care costs by improving population health and increasing productivity. We engage people in better health management through risk identification and risk reduction, adoption of healthy behaviors, and preventing or better managing chronic conditions.


Contact: Derik Ashton, Sales 866.961.8628 •


Contact: Nigel Wallbank, Sales 772.569.4540 •

eMindful Inc.’s focus is reducing employee health care costs and increasing productivity. We offer courses designed to address significant health issues including Workplace stress, Weight management, Chronic pain, Tobacco cessation, Diabetes and Depression relapse management. Because our programs are offered live via the internet, they are easily accessible by students worldwide.

For over 28 years, Medcom  has been a leader in employee benefit administration, ERISA Compliance, and consulting services with exceptional service. We create tailor-made solutions of tax advantaged benefit plans using innovative debit card technology to meet the needs of plan participants and the administrative goals of employers. Medcom’s expert consultative services provide a comprehensive approach to ERISA Compliance, in addition to, the administration of COBRA, flexible spending accounts, health savings accounts and health reimbursement arrangements. As regulatory compliance continues to increase in complexity, Medcom has designed a streamlined approach to our regulatory 67

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compliance services including Form 5500 Reporting, Wrap Documents, Non-Discrimination Testing, ERISA Compliance Plan Reviews, technical writing, and seminars.

Medical Advocate Programs Contact: Sales 888.289.0700 •

solutions. Our solutions can often result in actual savings of 40 to 80 percent on many medical procedures and treatments. With the right benefit design, this represents an opportunity for a true Win-Win for employees and employers that results in high patient satisfaction and lower costs for both parties.

My Health and Money

Contact: Evelyn Engert, CFO and Co-Founder 773.327.7500 • The average consumer has a lot of information at his or her disposal. A person shopping for a new car, for instance, may spend hours researching available options. They may agonize over minute differences between the safety ratings of two different models. A lot of time goes into their decision-making process. On the other hand, a person seeking medical care may have little or no idea what options are available to them. The average consumer, therefore, is perhaps least informed about their life’s most important decisions. Medical Advocate Programs (MAP), assists employees in making better, moreinformed choices about their medical care. A MAP RN counselor can help your employee review and compare several treatment options and discuss the cost of each. MAP gives employees the information they need to make better choices about service providers and facilities. Also, MAP assists in interpreting and implementing a physician’s instructions, reducing the number of office visits. When employees are in control of their health care, they become better purchasers of health care services. Consequently, they get better care, return to work faster, and have fewer complications.

MedServ Global

My Health and Money is a unique, online portal that helps employees reduce health care expenses. We do this by providing discounts, peer support, cost comparisons and access to medical and financial experts. Employers win when employees are savvy health care purchasers and work in partnership to reduce high-cost insurance claims.

My HSA Rewards

Contact: Sanders McConnell 404.551.5543 • If you want to help your Employees grow their HSA’s faster and with ease,  My HSA Rewards  is smart and simple because it puts real cash into their HSA from the purchases they make every day.

Part D Advisors

Contact: Eric Singer, Director of National Sales 888.207.6478 •

Contact: John Linss, Sales 678.528.8511 •

MedServ Global provides affordable access to surgical procedures and other treatments through our high quality network of U.S. accredited domestic and international health care providers. Through a diverse Global Network design, combined with “high-touch” Concierge services, MedServ delivers a unique, first quality end-to-end experience to companies and their members. We leverage a proven approach, unwavering dedication to service, and a powerful customer support infrastructure to provide significant flexibility that can be used to implement a wide variety of tailored, consumer-based health care and employee benefit


Part D Advisors, Inc. provides expertise and direct support with maximizing a group’s Medicare Retiree Drug Subsidy. We can handle every aspect of the very complicated process—on a risk-free basis—including filing and re-opening subsidy applications, actuarial attestations, reporting requirements, subsidy payment requests, retiree communications and final reconciliations.

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Scott Harward 888.860.2978 •

PilotHSA is a leading HSA software platform provider connecting custodians, TPAs, brokers, consultants and employers. Our stakeholder-specific portals provide functionality to educate and enable HSA account holders to properly manage and maintain their HSA Accounts.

Protocol Driven Healthcare, Inc.

Contact: Contact: Tina Marie Dean, Director of Sales 515.440.8372 •

Protocol Driven Healthcare, Inc. (PDHI) is a health care technology company that licenses the ConXus® health improvement platform for the delivery of workplace wellness programs and wellness analytics. The ConXus Platform is used by wellness providers servicing many end clients and large employers delivering comprehensive wellness programs with coaching. ConXus modules can be deployed in multiple configurations to match client service levels, with additional localization for each end-client.

Retail Benefits

Contact: Dan Swiniarsk, Sales 336.380.0886   •

Transitions RBG

Kate Crouch, Executive VP Corporate Strategies 678.880.8905 •

Transitions RBG is a solutions focused company that understands the needs of a Post-65 group. With our resources we are able to support your organization through Medicare education and counseling. We offer “Soft Landings for Retirees”.


Contact: Timothy Sass, Sales 309.757.6384 • UnitedHealthcare is dedicated to helping people nationwide live healthier lives by simplifying the health care experience, meeting consumer health and wellness needs, and sustaining trusted relationships with care providers. The company offers the full spectrum of health benefit programs for individuals, employers and Medicare and Medicaid beneficiaries, and contracts directly with more than 650,000 physicians and care professionals and 5,000 hospitals nationwide. UnitedHealthcare serves more than 38 million people and is one of the businesses of UnitedHealth Group (NYSE: UNH), a diversified Fortune 50 health and well-being company.

Retail Benefits is a company with over 40 years experience in the employee benefit and affiliate marketing world. Combining today’s latest technology with ecommerce, Retail Benefits brings an innovative benefit platform to organizations that can reduce health care costs, create customer loyalty, and raise funds for non-profits and associations.


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2012 FORUM EAST PARTNERS The Leapfrog Group

wish to become active in the consumer-driven health plan and self-funding markets. The Leapfrog Group is a coalition of public and private purchasers of employee health benefits founded a decade ago to work for improvements in health care safety, quality, and affordability.

Enroller Resource Center

Enroller Resource Center has almost 1,300 independent benefit counselors (230 bilinguals) located all across the country. These enrollers contract with carriers and enrollment firms to do onsite and Call Center benefits communications. ERC consults with its clients to create effective and affordable worksite communications.

ABA HSA Council The ABA HSA Council is an organization of banks, insurers and technology leaders committed to increasing the adoption velocity of health savings accounts in the United States. The ABA HSA Council represents its members before Congress, the White House and U.S. Courts in order to preserve the ability of Americans to pay for healthcare using an HSA.

National Association of Alternative Benefits Consultants, Inc. (NAABC)

The National Association of Alternative Benefits Consultants, Inc. (NAABC) is a professional “non-commercial” trade organization that was developed to represent insurance producers and brokers across the United States who market health savings accounts, health reimbursement arrangements and other consumer-driven health plans to individuals and employers/groups. Our goal is to provide formal support and education to those agents who are, or

70 is the leading business web portal and companion magazines dedicated to providing real health, benefits, compensation, work-life, recognition, and career development solutions.

Global Knowledge Exchange Network

Global Knowledge Exchange Network’s (GKEN) purpose is to identify and promote the awareness and adoption of existing and emerging better practice models and promising new health systems models across industrialized nations. GKEN favors the promotion of better practices that do not require legislation, international treaties or large sums of money, yet when adopted can improve health systems on a global basis.

National Association of Health Underwriters (NAHU)

America’s Benefits Specialists – NAHU represents licensed health insurance agents, brokers, consultants and benefit professionals across America who assists individuals in purchasing health insurance.

Wye River Group on Healthcare

Wye River Group on Healthcare (WRGH) and its affiliated Foundation for American Health Care Leadershipsm (FAHCL) are nonpartisan, not for profit entities, which serve as catalysts to raise awareness and broaden perspectives to enable constructive health care change.

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Foundation for HealthSMART Consumers

medical advances, legal issues, and the advancement of care for the rapidly growing ranks of medical travelers.

HRmarketer The Foundation for HealthSMART Consumers is a notfor-profit organization dedicated to activating health care consumers by properly informing them about the evolving landscape for individual health responsibility and care accountability. With the aspiration of encouraging consumer awareness of each of our individual roles in contributing to a viable health future, The Foundation seeks to connect stakeholders and build momentum for a movement where all parties are committed to adding value through the health of our society and the strength of our system.

Coalition for Healthcare Redesign is a product of Fisher Vista LLC, a B2B marketing software and services firm focusing on the HR marketplace. HRmarketer provides vendors with the tools to execute stellar marketing and PR campaigns. This includes a SaaS-based marketing platform, agency services and SocialEars®, a groundbreaking social listening and analytics software.

United Benefit Advisors

At the Coalition for Healthcare Redesign (COHR) our mission is to bring grass roots Americans together who are engaged in the health care system on a professional basis to create an effective, efficient, redesigned market-based system for the delivery of and payment for high quality, affordable health care.

United Benefit Advisors® (UBA) is a Member-owned alliance of more than 140 premier independent benefit advisory firms with 165 offices throughout the U.S., Canada and the U.K., and is one of the nation’s top five employee benefit advisory organizations. UBA Members are uniquely prepared to share their collective wisdom with busy employers who want the assurance that they are making informed choices that improve the lives of their employees. Our Members saved employers an average of 7.4 percent from the initial medical plan renewal offer in 2009, which translates to a staggering $1.1 billion in annual medical plan cost savings.

Sage Benefit Group

At Sage Benefit Group we’re about Innovative Solutions, Transparency and Benchmarking which lead to significant savings for brokers and clients alike. As a broker resource we share, advise and consult through education or oneon-one support. As a client resource we integrate novel plan designs, proprietary networks, wellness and more to reinforce positive employee behavior.

Medical Travel Today

Worldwide Employee Benefits Network (WEB)

WEB is a network of nearly 1600 members representing more than 25 professions and 30 areas of expertise within the pension and benefits industry-including administrators, consultants, attorneys, accountants, investment managers, communications experts and benefits managers.

Medical Travel Today is the FREE newsletter of the medical tourism industry. Written and edited by experts in international health care, Medical Travel Today keeps its readers abreast of trends, deals, new business, competition,


Formerly CDHC Solutions FORUM

SPECIAL THANKS TO OUR MODERATORS Sanders McConnell, MyHSA Rewards Laura Carabello, CPR Strategic Marketing Communications Scott Harward, PilotHSA Don Weber, PriceWaterhouse

SPECIAL THANKS TO OUR HARD WORKING STAFF Brent Macy, Managing Director Susan Yakots, Vice President Business Development David Cerri, Account Manager Rogers Beasley, Account Manager Joni Lipson, Account Manager Todd Callahan, Editorial Director Mavian Arocha-Rowe, Senior Editor Jonathan Field, Associate Editor Matthew Macy, Associate Editor Lana Perry, Public Relations Rochelle Porter, Public Relations Kellie Frissell, Art Director Kevin Carnegie, Web Developer Travis Heller, Web Developer Tom Becher, Web Developer Michael Field, Database Administrator Diana Bickel, Audience Development Jenny Kasmenn, Audience Development Karen Raudabaugh, Business & Events Manager And to the marketing team at Henderson Shapiro Peck and our telemarketing team at Plexus Marketing Group.


Formerly CDHC Solutions FORUM

TABLE TOPIC MODERATORS Limited to nine per table, enjoy an interactive lunch with key leaders and have the opportunity to engage in an open discussion on the featured Table Topics. On a first-come, first-serve basis, please sign-up at the Registration Desk for your chance to be a part of this valuable experience. Learn. Connect. Share. When: Thursday, April 12, noon in the main ballroom 1. Sanders McConnell Rewards & Incentives 2. Laura Carabello Medical Travel 3. Dr. Wendy D. Lynch Consumerism Support Tools 4. Dave Racer Challenges To Consumerism 5. John Hickman Legal & Compliance 6. Don Weber Pharmacy Benefit Management Trends

7. Dan Morrill Broker Trends in CDHPs 8. Jack Curtis Population Health Management 9. Harry  Gottlieb Employee Communications & Engagement 10. Diana Keough Health & Wellness Education 11. Nancy Dantzman FSAs, HRAs And HSAs 12. Ron Bachman Health Care Exchange


We’re forging new connections among patients, payers, providers and financial institutions. The increasingly consumer-directed U.S. healthcare system is marked by rising costs, regulatory changes and chronic inefficiencies that plague all parties involved. FIS™ Healthcare Solutions is helping to transform the healthcare industry by facilitating the flow of information and funds among patients, payers, providers and financial institutions. Thanks to deep industry expertise, proven technology and extensive relationships across the financial and healthcare payments spectrum, FIS can deliver a complete healthcare solution suite that seamlessly connects thousands of individuals and organizations. As a result, healthcare providers get a single interface for streamlining HIPAA and financial transactions. Payers gain a consumer-directed healthcare (CDH) administration platform to improve relationships with members and employee groups. Patients have a more seamless healthcare experience – from saving and paying for care, to making treatment decisions. And financial institutions are well positioned to strengthen and grow their healthcare customer relationships. To learn more about our complete healthcare solution suite, visit

Visit Booth #1 in the exhibit hall to learn more about our healthcare payment solutions. Never Compromise.



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Formerly CDHC Solutions FORUM

REGISTER NOW September 6-7

Spring 2013

Red Rock Resort

To Be Determined




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IHC FORUM EAST 2012 Conference Workbook  

The Journey to Healthcare Consumerism