HLC Board of Directors and Staff

1
HLC Board of Directors and Staff

• Phil Hauck, President
• Tim Day, Vice President
• John Bloor, Secretary
• Nan Nelson, Treasurer
• Paul Jadin
• Dan Madigan
• Chuck Martin
• Graham Ness
• Theodore Phernetton
• Randy Connour, Executive Director
• Sherry Freeman, Education and Web site Coordinator

2
Our Mission

• Stabilizing health insurance rates through
• Cooperative Purchasing
• Personal Accountability
• Healthier Lifestyles

3
State of the Cooperative

• Refresher
• Our Model
• The Bad Trends
• The Business Case
• Longer Range

4
State of the Cooperative

• Our Model
• Awareness HRAs, etc.
• Targets Organization Group, Individual
  Indiv./Family
  
• Engagement Risk Factors, Fitness, Rewards, Fun,
  Champs
  
• Information Risk Factors, Prices, Status
• Insurance High Deductible
• Results Better Fitness/Health, Lower Medical
  Claims

5
State of the Cooperative

• The Bad Trends
• Exercise Decline
• Calorie Increase

6
State of the Cooperative

• The Business Case
• 70 better decision-making
• All day efficiency
• 27 fewer errors
• 47 less absenteeism
• Greater employee retention

7
State of the Cooperative

• The Longer Range
• High Risk employees, compared to Low Risk, cost
• Short-term Disability 41 more
• Workers Comp 24 more
• Medical/Drugs 38 more

8
A Look at the Co-op Numbers

• Our Risks
• Pool 1 Pool 2
• 2007 2008 2008
• LDL Cholesterol 40 37 30
• Body Fat 43 34 38
• HDL Cholesterol 30 29 25
• Weight 33 29 32
• Exercise 35 25 29
• Example BMI 35 costs 1748 more than BMI annually.

9
A Look at the Co-op Numbers

• Our Membership
• Pool 1 Pool 2 Pool 3 Total
• Co.s (238)135 (139)41 (69)7 (446)183
• --Current 124 41 7 172
• EEs 1415 290 95 1800
• --Current 1250 295 95 1640

10
Why ArentWe Growing

• Underwriting
• Small Group vs. Co-op
• Small Group /- 85
• Co-op Unrestricted Implications

11
Medical Claims Pattern(Through 9/08)

• Pool 1 110
• Pool 2 67
• Target 80
• Implications

12
Other Issues

• Drug coverage
• Not producing all we need to ... Alternatives,
  Prices, etc.
  
• Not reaching the home decision-makers
  
  
• Major Behavior Change

13

• Obviously, we need
• to reverse this.
• Employer action Leadership, Visibility,
  Engagement!
  
• Impact at home!

14
State of the Health Care System

• US Universal health care, a la education
• Ethics The cutoff can be a life/death decision
• All discussion is only about covering more
  people.
  
• Not the Preventive quid pro quo Better
  Health/Fitness!
  
• Not solutions for the Chronic, High Risk! (78 of
  )

15
Locally Continuation of an Ineffective Paradigm

• Providers
• No leadership on Preventive
• Little impact on Chronic ... coordination
• Myopic on Acute ... Great medicine, high charges
• Pricing Opaque-ness
• Little help to the Patient. Need the Internet!

16
Locally Continuation of an Ineffective Paradigm

• No coordinated local leadership
• Insurers
• Little grasp of Prevention, Fitness
• Ineffective in requiring insureds engagement
  Rate caps?
  
• Focus only on the obvious
• Organizations
• Will get what they deserve
• Pro-active vs. Inactive

17
Our Attitude

• 1. Still the Right Mission! Press Harder!
• 2. Pool 1 Ends Poorer performers will not get a
  good offer from our next carrier Good ones will.
  
  
• 3. The Fitness Only product becomes very
  important strategically . . . for both Co-op and
  Employer/Employee.
  
• 4. Getting more engagement AT HOME!
• 5. Distributing more Current Information! Be more
  FORCEFUL!

18
Our 2009Business Plan

• Help You Lower
• Your
• Claims Profile!
• Key Employee E-mails to Pass On Info!

19
What We Have Going for Us!

• The Critical Solution
• Champs
• Beginning of Engagement
• Trend

20
What We NeedFrom You

• Engagement/Incentives
• Visibility
• Forcefulness
• Encouragement
• Impact
• Volunteer
• More Entrepreneurialism

21
Average Specialist Salaries in GB

• Cardiac Surgeons 1.0 - 1.3 M
• Anesthesiologists 600,000 to attract salaries
  up to 1.0 M
  
• Gastroenterologists 750,000 - 1.0 M
• Internists/GPs 125,000 - 300,000

22
Costs Differentials

• Zimmer Femoral Stem 2457, 3559, 3600, 3859.
  Quoted by four different hospitals.
  
• Infusion 198, 398. Quoted by two different
  hospitals.
  
• MRIs ???

23
Education Committee

• Eliza Andrews, Inspirit Therapy
• Karen Smith, Green Bay Insurance
• Tammy Petras, ENCAP
• Amy Treichel, Independent Printing
• Nancy Steffel, School That Comes To You
• Tracy Jilot, East Shore Industries
• Chuck Martin, Hansens Frozen Foods
• Sherry Freeman, HLC Staff

24
Carrier Negotiations Committee

• Tim Day, Commercial Horizons/Weyers Group
• Jeff Ottum, (formerly VP/Human Resources for
  Schreiber Foods)
  
• Graham Ness, Forsite Benefits
• Patrick Georgia, Aon
• Pat Ellis, The Vincent Group
• Randy Connour, HLC Staff

25
Wellness Provider Negotiations Committee

• Lee Bouche, Employee Resource Center
• Jeff Taylor, Associated Machine Design
• Dan Simons, Independent Printing
• Randy Connour, HLC Staff
• Sherry Freeman, HLC Staff

26
Transparency in Pricing Committee

• Phil Hauck, TEC
• Christi Quigley, GB Insurance Center
• Diane Dappern, Orthopedic Sports Institute of
  the Fox Valley
  
• Nan Nelson, GB Chamber of Commerce
• Julie Bartels, WI Health Information
  Organization
  
• Bill Macier, (Former VP, AMS)
• Cindy Van Asten, M3