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February 8-9, 2017
HealthFlex Plan Sponsor Calls
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Wespath Benefits and Investments 2
Agenda
• 2018 HealthFlex Rates and Timeline
• 2017 Recap
• MDLIVE Telemedicine—New for 2017
• Vendor Web Security Updates
• HRA Updates
• Health Care Reform—Communications
• Well-Being Update
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Wespath Benefits and Investments 3
HealthFlex Rates Methodology and Timeline
• Based on November to November claims data
• Finalized and distributed late February
• RFP for actuarial consultation in 2017
— Reviewing best practices
— Objectives: rate adequacy, stability, equity
• Calls with Mercer: March 1-2
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Wespath Benefits and Investments 4
Review of 2017 Plan Changes
1. Move to OptumRx Premium Formulary
2. 90-day maintenance fills at Walgreens
3. Behavioral health plan design
4. Nurseline carved in
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Wespath Benefits and Investments 5
2017 Health Plan Enrollment— Traditional and HealthFlex Exchange
55%
72%
29%
18%
7%
5%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
HF Exchange
Traditional
2017 Enrollment Comparison
B1000 C2000 C3000 H1500 H2000 H3000
Not all plans offered by traditional plan sponsors, but many offer a plan choice
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Wespath Benefits and Investments 6
HealthFlex Exchange— Multi-Year Enrollment Analysis
52% 33%
64%
55%
11%
15%
29%
9%
7%
0% 20% 40% 60% 80% 100%
2015
2016
2017
B750 B1000 C2000 C3000 H1500 H2000 H3000 no coverage
Plan sponsors analyzed: 8 for 2015 and 2016; 14 for 2016 and 2017. Overlapping 2016 data showed substantially same plan enrollment distribution for the group of 8 or 14.
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Wespath Benefits and Investments 7
2017 Exchange Elections by Plan Sponsor
9%
33% 41%
82% 80% 73%
34%
96%
62% 70%
48%
11% 10%
71% 52%
57% 35%
9% 13%
5%
33%
2%
17%
16%
29%
51%
78%
9%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Waived H3000 H2000 H1500 C3000 C2000 B1000
1 2 3 7 6 5 4 10 9 8 11 12 13 14
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Wespath Benefits and Investments 8
MDLIVE Telemedicine Updates
• Cost-effective alternative to urgent care or ER for variety of non-emergency conditions
• Activate first—use when needed
• Year-to-date registrations/utilization
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Wespath Benefits and Investments 9
MDLIVE Communication Timeline—2017
• January
– “Activate Now” e-mail through Virgin Pulse (1/31)
– Activation Report sent to WebMD to add reward points
– FAQs for plan sponsor use
• February
– Communication toolkit—“e-blast” for plan sponsor use
• March
– “Activate Now” postcard
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Wespath Benefits and Investments 10
Vendor Web Updates
• Objective: improved data security
• Already updated
– United Behavioral Health
– OptumRx
– WebMD
– BlueCross BlueShield
• Planned updates
– WageWorks—February 2017
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Wespath Benefits and Investments 11
WageWorks—Two-Factor Authentication
• Applies first time logging in to Participant Site or mobile app
• For device not recognized by application
• No known phone number or email—WageWorks must provide PIN by phone
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Wespath Benefits and Investments 12
WageWorks—Remember Device
• PPT selects Yes or No
– Yes = private computer
– No = shared computer
– Option shows in pop-up
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Wespath Benefits and Investments 13
WageWorks—Sample E-mail
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Wespath Benefits and Investments 14
Health Reimbursement Account—Updates
• Dependent requirement— HRA must be integrated with a major medical plan
– IRS notice 2015-87
– HealthFlex rules require enrollment in HealthFlex
• WageWorks will begin enforcing as of February 16
– Communication by WageWorks this week (February 10)
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Wespath Benefits and Investments 15
WageWorks—Integrated HRA Experience
• Step One
– Dependent SSN
– Dependent DOB
– Certification
– If don’t provide SSN/DOB: claim may be eligible under FSA or other application plan
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Wespath Benefits and Investments 16
WageWorks—Integrated HRA Experience
• Step One
– If dependent’s DOB/SSN were provided previously: WageWorks won’t ask for info again
– Certification—still required on each claim
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Wespath Benefits and Investments 17
Health Reimbursement Account—Updates
• Terminated participants
– Beginning Q2: available for 90 days after termination
Exception: death + no surviving dependents: 120 days
December letter encouraged spending
Q1 letter will notify of policy change
• Low balance accounts
– Letter notification 90 days prior to account closure
Most
– Current rule: balances <$25; planned: <$100
• Why? Stewardship—administrative fees and requirements out-of-balance with remaining funds
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Wespath Benefits and Investments 18
Health Care Reform—Communication Plan
• Health Care Reform Update e-newsletter— special edition regarding updates to ACA*
• White papers—as needed
• Potential new website location— more conducive to timely, “quick hit” updates
* ACA: Affordable Care Act
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Wespath Benefits and Investments 19
Health Care Reform Updates
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Wespath Benefits and Investments 20
Health Care Reform Updates
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Wespath Benefits and Investments 21
On the Radar for 2018
1. Enhanced decision support tools for plan selection
2. Assessing “advocacy” solution for mid-2018/2019 One ID card, one number to call
Real-time assistance in navigating the health care system
3. Reviewing behavioral health vendor— possible carve-in
4. Second opinion service
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Wespath Benefits and Investments 22
Annual Election 2016—Results
• November 4 – 19
• New medical ID cards for all participants
– Mid/late December due to OptumRx change
• Plan Elections
• FSA Elections
Well-Being Update
Drink lots of water;
it's the healthiest of all drinks.
Avoid coffee and tea;
they elevate anxiety.
—John Wesley
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Wespath Benefits and Investments 23
Talking Points
• Thank you!
• Blueprint for Wellness
• Virgin Pulse Transition
• WebMD Updates
• 150 Wellness Points Update
• Well-Being Program Updates
• Well-Being Metrics
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Wespath Benefits and Investments 24
Blueprint for Wellness
• Very few changes this year
• On-site scheduling survey
– Please complete by Wednesday, March 15 (earlier if possible)
• Communications Toolkits
– E-mail mid-/late February
Plan Sponsor materials
Participant communications
• Online Scheduler
– Open for on-site events—week of February 13
– Open for Patient Service Centers—April 1
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Wespath Benefits and Investments 25
Blueprint for Wellness
• Physician Form
– Available as PDF
– Better option: print out from Quest account
Process similar to scheduling appointment
Pre-printed for clarity and efficiency
• Plan sponsor training scheduled
– Tuesday, April 18 (11 a.m. – noon CST)
– Nice refresher
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Virgin Pulse Transition
• Participant Feedback
– Positive feedback
– Website: more contemporary look and feel
– Mobile app: much improved, better functionality
– Enhanced social connection capabilities
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Wespath Benefits and Investments 27
Virgin Pulse Transition
• Tips on using website – If you haven’t tried it yet—log in!
– Many titles from 1.0 remain in new 2.0
Rewards
Spend PulseCash and Review Monthly Statement
Challenges
Challenge a friend or personal challenge
Friends
Connect with friends across the UMC
Tracking
Updated
Helpful with behavior change
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Wespath Benefits and Investments 28
Virgin Pulse Transition
• Client Report Archive
– PulseCash report
• Administrative portal available week of February 27
Improved access to:
Reporting
Challenge
Calendar administration
Training will be scheduled soon
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Wespath Benefits and Investments 29
WebMD Updates
• “Wellness at Your Side” smartphone app
– Access full personal HealthFlex/WebMD site
– Complete HQ
– Set and track goals with Health Assistant
– Track and earn Wellness Points
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Wespath Benefits and Investments 30
150 Wellness Points Update
• Increased opportunities to earn 150 Wellness Points on WebMD
– 15 points: adopt new spiritual practice for 1 month
Self-report
– 15 points: activate account with MDLIVE telemedicine
Up to 45 days for credit
– 25 points: complete EY Financial Wellness Assessment
Participant ID needed on EY website
Up to 45 days for credit
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Wespath Benefits and Investments 31
Well-Being Program Update
• Toolkits
– Prediabetes—available
– Smoking cessation—available
– Weight Watchers —available
– Physical activity—available soon
• Newsletter and Bulletins
– Q1 2017—available on the CFH website
• Healthy Family webinar series
– Tuesday, February 7 — Financial Well-Being
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Well-Being Program Update
• Weight Watchers
Please share with participants
• Bulletins, newsletters, fliers available at: www.wespath.org > Center for Health > Resources > Information
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Wespath Benefits and Investments 33
Well-Being Metrics
• Purpose—provide easy-to-understand metrics to benchmark:
– Areas of strength and opportunities
– Comparison to other conferences
– Determine and highlight best practices
• Based on 4 dimensions of well-being
– Physical, emotional, social, financial
• Data from HQ, Virgin Pulse, WebMD and Retirement Services
• CFH wellness team to provide guidance and assistance
• Estimated roll-out: Q2 2017
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Wespath Benefits and Investments 34
Thank you for your partnership!
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