What’s Your HR Tech Strategy?

January 12, 2012 3:25 pm Businessolver Banter, Industry News

As you recover from the blur of annual enrollment, you’re likely thinking about what worked and what didn’t work. You may be wondering about that really cool-looking HR technology that your team is sure will make everything better. Be careful not to fall in love with features that may not actually address your real needs. Before you write the check, be sure you’re making decisions with an HR technology strategy in place. Start with the basics:

• Consider the business outcomes. Instead of focusing on the technology first, start with the outcomes you’d like to accomplish. Make a list of outcomes and make those the centerpiece of your technology evaluation.

• Align your HR tech strategy with overall corporate goals. You’ll likely have a hard time selling HR technology to decision makers if you’re focused solely on your team’s outcomes. Understand corporate goals and draw a straight line to your HR tech strategies and outcomes.

• Understand how tech will work with your processes and talent. If your processes aren’t working now, focus on how tech can improve them. Likewise, ensure your team’s talents are supported by HR tech. Optimally, HR tech will streamline or eliminate processes and allow your team to focus on more strategic tasks rather than manual administration.

Build a winning strategy that makes life easier and showcases you strategic prowess. Talk to a Businessolver representative today to learn how we can help you deliver on your HR technology strategy.

So You Have a Wellness Program. Is it Working?

January 10, 2012 1:27 pm Businessolver Banter, Industry News

The new year is here, and whether your company wellness program is new or been in place for a while, this is the time of year when employees are most likely to initiate wellness activities. So before the New Year’s resolutions fall by the wayside, take a fresh look at your programs to see that they are encouraging full participation.

You may have purchased a corporate wellness package, and there’s nothing wrong with that. But often such programs are one-size-fits-all, while most research shows that the most successful wellness programs are customized.

Don’t throw up your hands in despair if you feel you’ve thrown money at something that won’t work; just realize that you need to tailor your purchased program to your company’s needs, and to specific populations within your structure. For example, 20-somethings will probably be more motivated by fitness challenges and messages that speak to their vanity, while older workers might be more likely to respond to information about disease prevention.

Also be realistic about changing lifelong habits overnight. Obesity is the number one health problem facing the healthcare industry today, which means you have a two-front war: diet and exercise. Eating patterns are established very early in life and often come with strong emotional ties; even the most well-intentioned have trouble thinking about food differently. Simply offering a program and self-service links to websites probably isn’t going to motivate much change.

The following strategies are recognized by industry experts for making sure your wellness program is still alive and well after Groundhog’s Day.

Get support from the top. Your executive team can set an example by visibly participating in wellness programs. Top leadership should also share the “we’re all in this together” message about controlling costs.
Put your money where your mouth is. Research shows considerable ROI is possible with wellness programs. But success doesn’t come for free. Be prepared to outlay some expenses in order to see a greater return.
Get the word out. Motivation takes reminding. Constantly. Keep the message fresh and keep it coming. Tailor it to small groups, down to the individual level if possible.

The Businessolver online enrollment platform offers many opportunities to promote and track wellness participation. Your wellness plan can be linked to annual benefits enrollment, and then promoted and supported all year long with links to websites, custom messaging, surveys and more. Resolve to connect with your Businessolver representative today to find out how we can help you achieve your company’s wellness goals.

Businessolver Addition to Develop Strategic Partnerships

January 5, 2012 1:29 pm Businessolver Banter, Businessolver Buzz

Businessolver will continue to develop strategic partnerships with HR and benefits-related organizations with the addition of 25-year HR outsourcing vet Jeff Mortland.

FOR IMMEDIATE RELEASE

West Des Moines, Iowa - Businessolver, a West Des Moines-based benefits outsourcing company, will continue to develop strategic partnerships with HR and benefits-related organizations with the addition of Jeff Mortland.

Mortland brings nearly 25 years of HR outsourcing experience to Businessolver. He will leverage that experience as Assistant Vice President of Alliances.

“We’re excited to leverage Jeff’s strategic alliance experience to accelerate our alliance focus and opportunities,” said Businessolver Vice President of North American Sales Loren Brockhouse. “We’re relying on his experience to develop formal relationships with organizations that align well with our business strategies.”

Mortland’s experience includes HR, benefits administration and payroll outsourcing services. He led sales groups for Ceridian, ADP and HR XCEL before joining Businessolver.

“It’s exciting to be a part of an organization that provides top-notch technology and industry-leading service to support it,” said Mortland. “The technology provides a lot of opportunity to connect with other leading providers and offer our clients an even more complete solution.”

About Businessolver
Businessolver is a provider of online benefits administration services and benefit administration outsourcing services. Its web-based platform automates employers’ insurance benefit administration by consolidating multiple insurance carriers into a single platform and customizing the process to meet each employer’s unique enrollment requirements. In addition to Enrollment and Eligibility services, other Businessolver service offerings include: COBRA Services, Billing and Financial Reporting, Service Center, Benefit Advisory Services, Eligibility Verification and Fulfillment.

Resolutions for the Busy HR Exec

January 4, 2012 7:31 am Businessolver Banter, Industry News

Annual enrollment is over and so are the holidays. Time to relax and catch up on your paperwork. Or book that well-deserved vacation. Or, think about using the time to get strategic. Putting strategies in place NOW can help make your whole year go more smoothly and take away some of the annual enrollment stress at the end of this year.

A good place to start is your company’s wellness program, especially if you implemented something new. Capitalize on your employees’ New Year’s resolutions and encourage participation in smoking cessation, weight loss and exercise programs. Consider a January special incentive for participation to get the year off to a good start. Heart rate monitors, exercise clothing, water bottles and gym bags make great prizes.

This is a new plan year and your insurance plans may have changed. Employees might appreciate reminders and updates about the new plans. If this is the first year for a Consumer Directed Health Plan (CDHP) which might include a Health Savings Account (HSA), consider holding educational brown bag lunches to answer questions or concerns about how to maintain these accounts and take full advantage.

Keep the reminders going about spending FSA accounts; if your company has a grace period for last year’s reimbursements, send out reminders. Employees will be digging through receipts to get ready for tax time; it’s also a good time to review 2011 medical expenses.

Winter is blah time and many employees may suffer from seasonal depression or winter blues. If your company offers an Employee Assistance Program (EAP), they may appreciate a reminder that limited free counseling is available.

Suddenly, it sounds like you have a busy January, but time spent wisely now will enable you to have a less stressful 2012. And, after all, wasn’t that one of your resolutions?

Consumer Directed Plans Doing What They Set Out to Do: Changing Consumer Behavior

December 29, 2011 8:25 am Businessolver Banter, Industry News

When Consumer Directed Health Plans (CDHPs) and Health Savings Accounts (HSAs) were introduced several years ago, one of the primary goals was to help pare skyrocketing healthcare costs for employers. A secondary goal, which really needs to happen in order to achieve the primary goal, was to empower employees to take better care of their own health and monitor their healthcare spending.

A recent study conducted by Buck Consultants shows that this is beginning to happen.

Participants in the study say they are making healthier lifestyle choices, putting more money in their HSA accounts, shopping for lower cost prescription medication and researching healthcare options.

It’s not always easy to change behavior. “You can’t expect an employee to do something that benefits the employer if it is difficult,” said Devon M. Herrick, senior fellow at the National Center for Policy Analysis in Dallas. Employers need to give them tools to become better consumers and a reason to use those tools.”

“It all comes down to plan design, incentives, a communication strategy and facilitating right behaviors,” said Joann Hall Swenson, health engagement best practice leader for consultancy at Aon Hewitt. It’s important that when employees use healthcare services, they are aware of the costs and have an incentive to reduce those costs.

The most common incentive is an employer contribution to HSAs and HRAs connected to the CDHPs. But some employers are beginning to add a “stick” to their “carrot.”

The Buck survey shows that more employers are jumping on federal regulations that allow penalizing employees who don’t participate in wellness programs; nearly 40% of employers plan to add such penalties in 2012.

Businessolver can help you help your employees get the most out of their HSA. Online calculators and the ability to link to other sites without leaving the benefits enrollment page make it easy for them to make choices. Custom messaging options, surveys and wellness program tracking help keep them engaged all year.

For more information about how you can promote your company’s wellness program, contact Businessolver today.

Wellness Programs: Make it Personal, Choose Incentives Carefully

December 15, 2011 7:41 am Businessolver Banter, Industry News

Employer sponsored wellness programs are extremely popular today, with more than 90 percent of companies offering them. But just having “a wellness program” probably isn’t enough. Employees are looking for a wellness plan that fits their individual needs. A recent Aon Hewitt survey says at least half of employees want a plan that is specific to them and includes recommendations.

“The best approach is to individualize it and make it about me and what I need to do, given my health status and risks,” said Cathy Tripp, managing consultant at Aon Hewitt.

When preparing to personalize, consider the motivation. Some employees are inclined to improve their health because of chronic disease in their family; perhaps a close relative died at an early age from heart disease or cancer. Others are more concerned about maintaining weight for appearance. For better participation, tailor messages to both audiences. For example, posters, fliers or paycheck stuffers correlating high blood pressure to coronary disease might motivate one audience to monitor and control their blood pressure through your wellness program. The “vanity” audience, however, might respond better to a “biggest loser” competition or signs posted in your cafeteria with calorie content of foods served there.

Just as the message needs to match the population, so does the incentive. A recent report by the Incentive Research Foundation shows participation plummets to 20% when no incentive is offered. But it has to be the right reward. Highly paid employees aren’t likely to respond to cash awards, while cash and gift cards might be just the ticket for hourly or lower salary employees.

The Aon Hewitt survey also shows that 40 percent of respondents would like access to a wellness website, and 35 percent of respondents are in favor of personalized health tips and reminders. With Businessolver, that’s a snap. On Businessolver’s online enrollment platform, HR administrators can customize the employee enrollment experience to include links or even single sign on to wellness sites. You can create personalized communication to various audiences, and then develop surveys to gauge interest and get feedback. To discover more about how to tailor your wellness message to your audience, contact a Businessolver representative today.

Panning for Gold: Your Healthcare Data Holds Nuggets of Valuable Information

December 8, 2011 10:32 am Businessolver Banter, Industry News

Are you using your healthcare provider’s aggregate data to your advantage? Two speakers at a recent national seminar say you should treat those reports like your new best friend.

Marcia A. Wright, senior director of medical affairs with Pfizer Inc., was a keynote speaker at the International Foundation of Employee Benefit Plans’ annual conference in November. She said employers should track the cost and volume of their workers’ most common health conditions and the pharmaceuticals and procedures they use. Then use that data to guide your strategy.

You can get your aggregate claims data from you plan’s insurer, broker, third-party administrator or benefits administration partner. Since the information is not revealed per individual, is not against HIPAA regulations to study the data.

One of the best indicators of future trends, according to another of the seminar speakers, is pharmacy data. William J. Einhorn, an administrator with Teamsters, said the medications your employees purchase today are a good indicator of the onset of conditions and diseases that may become extremely costly down the road.

Einhorn said to look for information such as: What services are being used? What services are not? What benefits or services should be covered but are not?

The 2007 book, BeneFIT Design: Seven Steps to Value-Based Health Benefit Decisions, lists the following information that should be “mined” for nuggets of gold:

Enrollee Information
• Who is enrolled and using your plan?
• Age, gender, member contributions, etc.

Direct Costs
• Utilization
• Paid claims
• Contributions and administrative costs
• Claims distributions

Indirect Costs
• Absenteeism (includes lost time because of disability)
• Presenteeism (includes return to work with limitations)
• Impacts on quality of life

Businessolver’s single source platform, Benefitsolver, delivers real-time analytics that allow you to closely monitor enrollments by benefits class to determine if your communication strategy is effective. Learn more about what enrollee and other information you can analyze within the Benefitsolver system by contacting your Businessolver representative.

Help Employees Spend Down FSAs

December 6, 2011 3:15 pm Businessolver Banter, Industry News

During annual enrollment this year, you may have noticed some employees reducing the amount of their Flexible Spending Accounts (FSAs) for 2012. Maybe their anticipated expenses really will decrease next year, or they didn’t actually need as much as they thought they would this year. A new law, which went into effect this year, disallows over-the-counter expenses to be claimed without a doctor’s prescription, which has proved tricky for some consumers to manage.

Or, perhaps they’re overlooking some expenses incurred in 2011, which may mean they’re underestimating their 2012 needs.

As the year winds down, remind employees that if they have funds sitting in their FSA account, they need to spend it or lose it. Most plans allow a few months to submit claims, but expenses must be incurred this calendar year. Make sure you communicate to employees what your company’s policy is regarding submission dates.

In the weeks remaining, encourage employees to do the following to make sure they get the most out of their FSAs:

Be a receipt sleuth. Dig through old receipts to make sure you’ve claimed all qualifying expenses. If you find receipts for a pain reliever and ankle bandaging in conjunction with a sprained ankle, or a cough medicine at approximately the same time you had the flu, see if you can get your doctor’s authorization to submit them. To stay in your doctor’s good graces and avoid overwhelming the office staff, try to batch and submit requests all at once rather than trickling them as you find them. Remember, you may have a few months’ grace period to submit them as long as the expenses were incurred this year.
Stock up. If you have disposable contact lenses, order refills. Usually you don’t need to visit your eye doctor if the prescription is up to date. If your prescription should change before you use unopened boxes, you can often exchange them. If you still have funds sitting there, consider purchasing another pair of eyeglasses, or prescription sunglasses, on any current prescriptions.
Plan ahead. See if you can pay ahead on a procedure that is scheduled for next year, or on recurring expenses such as orthodontia.
Schedule routine appointments. If your child is due for immunizations or a dental checkup soon, or if you haven’t had your flu shots, get them taken care of during the holiday break from school.
Get a jump start on your New Year’s resolution. With a doctor’s recommendation, many smoking cessation and weight loss programs are eligible for reimbursement.
Calculate mileage. Gas and transportation fees to and from eligible medical, dental and vision appointments can be reimbursed at 19 cents per mile, as are visits to the pharmacy to pick up medications.

Communication is Key to Wellness Participation

December 2, 2011 8:05 am Businessolver Banter, Industry News

Employer-sponsored wellness programs are becoming the norm in today’s workplace, but participation could be higher. How do you get there? Communicate. Don’t think you’re audience is listening? Think again. A recent survey by Aon Hewitt shows that employees are hungry for information about their wellness benefits. Unfortunately, the same survey says employers are falling down on the job when it comes to telling their workers about their programs.

There is evidence that communicating effectively pays off. Once you get them there, they are happy. The Aon Hewitt survey shows a 97% satisfaction rating among wellness program participants. So how do you effectively communicate to encourage buy-in?

Aon Hewitt and Jennifer Benz, founder and chief strategist for Benz Communications, a benefits communication company, recommend the following strategies:

Cut the jargon. Sometimes the technical terms for procedures—biometric screening, wellness assessment—can seem daunting. Make sure your terminology is clear, and repeat concepts and phrases in different ways to reinforce understanding.
Paint the big picture. Just because YOU understand that tying employee wellness helps the whole company doesn’t mean the employees understand it. Making them feel part of a team effort generates enthusiasm and boosts participation.
Reinforce privacy. Make sure your employees know that the information gathered during screenings and assessments will be kept confidential. Some are reluctant to participate because of the perceived “Big Brother” aspect.
Don’t stop communicating. Your communication efforts shouldn’t stop when the enrollment deadline passes. Keep the message going all year long, to reinforce participation for those who DO participate, and to plant seeds for next year in those who were reluctant to join the effort.
Hit close to home. Consumers say that want personalized information. You probably don’t have time for a one-on-one session with every employee, so how do you make it feel personal? When preparing your communication materials, include plenty of real life examples, citing as many specific scenarios as you can. In group meetings, make sure you make enough time for questions but also understand that many people are reluctant to share personal information in group settings and may also be hesitant to share in a one-on-one meeting with HR staff. Be sure to provide access, including online links, to information that will be helpful.

Businessolver makes it easy for companies to encourage and track wellness program participation. Our single sign-on system allows you to link employees to wellness sites and providers without leaving the online enrollment platform. You can create, personalize and post messages about company-sponsored wellness initiatives, and track participation through surveys and other tools.

For more information about how you can tie your wellness message into your enrollment platform, contact Businessolver today.

Businessolver Ahead of the Curve on HITECH Act

7:21 am Businessolver Banter, Businessolver Buzz

The HITECH Act is not being enacted as quickly as the government had hoped. A recent report to Congress claims progress is slow, and holes left in the previous HIPAA Act are not being plugged. This means leaks of Personal Health Information (PHI) are continuing to occur with alarming frequency. The report was made in early November to the subcommittee on privacy, technology and the law.

One big concern is technology providers that host health information but don’t fall within the health IT category, and therefore aren’t regulated. These companies’ end users are able to reveal sensitive health information through internet searches and over social networks.

“As we begin to rely more and more on technology providers to perform our core business functions, we have to understand the associated risks,” said Ryan Keehn, Information Security Officer at Businessolver. “These providers are gaining access to the sensitive data when they take over these functions.” Keehn recommends regularly asking the following questions of your business partners:

Who has access to my data?
How is my data being transferred?
What are you doing with my data after you have it?

Minnesota Senator Al Franken, chair of the subcommittee, said he would consider legislation to augment HITECH by requiring the encryption of health data -extremely rare among health IT companies at this point – and requiring health data security rules to be applied to a broader segment of vendors.

If you already entrust Businessolver with your company’s health information, rest assured those measures are already being taken.

All Personal Identification Information (PII) and Personal Health Information (PHI) is encrypted in transit and at rest. All Businessolver desktops and laptops are encrypted, all file servers are encrypted, and the databases are encrypted using strong 256-bit encryption.

“The encryption at rest is a very important factor,” said Keehn. “Most companies don’t focus on this factor. They are only looking at encrypting their data in transit, and relying on their access controls to keep their data safe when sitting on the hard disk. At Businessolver we still have the access controls, but we are also encrypting the data on the drives so that if someone does walk off with a server, they still won’t be getting our customers’ data.”

Keeping client data secure is priority one, so Businessolver’s security measures in all areas go above and beyond what is required. We work with external auditors to produces several independent audit reports and security assessments periodically. These include an annual Type II SAS 70 report, quarterly Application Vulnerability Assessments, and annual Network Penetration Testing. In addition, our clients are welcome to perform their own audits of our systems as well to gain that additional level of assurance.

If data security is important to you, contact your Businessolver representative to learn how we protect the data your employees trust to your care.

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