Corporate Research Group Managed Healthcare Forum on

Consumer-Directed Healthcare at the Tipping Point

The Next Wave of Growth in HSA, HRA and Defined Contribution Health Plans

Tuesday, February 28, 2012 • Washington, D.C.

About the Conference

• Get an overview of the market for HSAs, HRAs, and other consumer-directed health plan offerings – including market share data, growth projections, product strategies and the likely impact on plan profits.
• Understand the implications of public and private health insurance exchanges driven by healthcare reform and how this will reinvigorate the concept of defined contribution health benefits – providing consumers with a variety of health plan choices and an online administrative infrastructure to make the right coverage decisions.
• Hear an honest assessment of whether consumer-directed healthcare delivers on the promise of making members better healthcare shoppers – thereby reducing cost and improving quality.
• Learn how health plans are helping by providing members with a wide variety of decision-support tools and information.
• Assess the key differences between HSAs and HRAs to find out which is most likely to win in the market over the long haul.
• Understand the role that banks and financial institutions play in consumer-directed healthcare – including an assessment of technology platforms, services and potential threats to health insurers.

Confirmed Speakers

Featured Speakers:
	John Young Senior Vice President of Consumerism CIGNA		Bill Igleheart Vice President, Group and Individual Sales and Marketing Blue Cross Blue Shield of South Carolina (View Biography)
	Chris Riedl Senior Manager, Strategy and Product Management Aetna (View Biography)		Neil Chaffee Manager, Products & Programs HealthPartners
	David Spalding Vice President of Ancillary Business Lines Blue Cross Blue Shield of Minnesota		Jacqueline Ebbs Director, Product Initiatives & Sales Support Blue Cross Blue Shield of Massachusetts
	Stephanie Swift CDH Product Lead UnitedHealth Care		Chad Westover Vice President of State-Sponsored Business WellPoint (View Biography)
	Nick Calabrese Consumerism Product Management CIGNA (View Biography)		Carl Mercurio President and Managed Care Analyst Corporate Research Group
	Kay R. Curling, SPHR Senior Vice President, Human Resources Salient Federal Solutions, Inc.

Preliminary Conference Agenda

8:00-8:15 CHAIRPERSON’S WELCOME AND OPENING REMARKS  

John Young Senior Vice President of Consumerism CIGNA

8:15- 9:00 MORNING KEYNOTE SESSION
Still Growing: The Outlook for Consumer-Directed Healthcare
Though the hype around consumer-directed healthcare has died down, the truth is high-deductible health plans tied to health savings and health reimbursement accounts continue to grow at a double-digit pace. Additionally, reform is quickly moving the healthcare industry into an insurance exchange environment and plans must prepare for a more consumer-driven market. This keynote session will provide an overview of the market for HSAs, HRAs, and other consumer-directed health plan offerings – including market share data, growth projections, product strategies and the likely impact on plan profits.

Carl Mercurio President Corporate Research Group

9:00-10:00 PANEL DISCUSSION
The Role Health Insurance Exchanges in Consumer-Directed Healthcare
The advent of public and private health insurance exchanges driven by healthcare reform is set to reinvigorate and perhaps reinvent the concept of consumer-directed healthcare – providing consumers with a variety of health plan choices and an online administrative infrastructure to compare benefit options and make the right coverage decisions. During this panel, you will get an update on public exchanges as well as an assessment of emerging private exchanges and what they might mean for the future of consumer choice.

Bill Igleheart Vice President, Group and Individual Sales and Marketing Blue Cross Blue Shield of South Carolina (View Biography)

10:00-10:15 NETWORKING COFFEE BREAK     

10:15-11:30 PANEL DISCUSSION
HSAs vs. HRAs – Which Will Win?
HSAs get all the attention, but HRAs have almost the same market share. HRAs offer wide benefit design flexibility – making them an attractive option for employers interested in offering members a variety of plan options. HRAs are also likely to play an important role in the re-emergence of defined-contribution health plans. During this panel, you’ll learn how health plans are designing, marketing and administering HRA plans – and why they continue to be a viable alternative to HSA plans.

Neil Chaffee Manager, Products & Programs HealthPartners

Nick Calabrese Consumerism Product Management CIGNA (View Biography)

11:30-12:30 PANEL DISCUSSION
Does Consumer-Directed Healthcare Really Work?
The promise of consumer-directed healthcare is that it forces patients to be better healthcare shoppers – thereby reducing cost and improving quality. The problem is it doesn’t always work that way. Only half of HSA plan members, for example, actually open and fund a health savings account. Information on pricing and quality is sparse and often conflicting – making it difficult for consumer to comparison shop. And critics of consumer-directed healthcare say the notion of consumers having “skin in the game” is just another way cost shifting. On this panel, hear a frank discussion of what works and what doesn’t in consumer-directed healthcare.

Jacqueline Ebbs Director, Product Initiatives & Sales Support Blue Cross Blue Shield of Massachusetts

Chad Westover Vice President of State-Sponsored Business WellPoint (View Biography)

12:30-1:30: NETWORKING LUNCH

1:30-2:30 AFTERNOON KEYNOTE ADDRESS
Employer Perspective: Lessons of a Consumer-Directed Plan Implementation
A growing number of employers are taking the leap and offering consumer-directed health plan options to their employees. Others are making consumer-directed plans the only option in a full-replacing scenario. On this panel, hear from leading employers that have rolled out HSAs, HRAs, high-deductible health plans, and other consumer-directed products. Find out what lessons they’ve learned about adoption, employee satisfaction and cost savings related these products.

Kay R. Curling, SPHR Senior Vice President, Human Resources Salient Federal Solutions, Inc.

2:30-3:30 PANEL DISCUSSION
Creating an Effective Communication and Education Strategy
Education and information are keys to the success of consumer-directed healthcare. Consumers need to understand the benefits of funding a health savings accounts, how to use information to compare prices and quality, and how to choose a risk level they best suits their needs and comfort level. Health plans can play an important role by providing decision-support tools, research and data to help members make on the right choices. On this panel you will hear about innovative communications and education strategies from leading consumer-directed health plans.

Chris Riedl Senior Manager, Strategy and Product Management Aetna (View Biography)

Stephanie Swift CDH Product Lead UnitedHealth Care

3:30-4:00 NETWORKING COFFEE BREAK         

4:00-5:00 PANEL DISCUSSION
The Role of Banks and Financial Institutions in Consumer-Directed Healthcare
Consumer-directed health plans have turned banks into major players in the healthcare industry.  The question is whether banks will continue to acts as fiscal fiduciaries or will they attempt to expand their role and “own” the consumer. During this panel, hear an overview of the role banks and financial institutions plays in consumer-directed healthcare – including an assessment of technology platforms, services and potential threats to health insurers.

David Spalding Vice President of Allied and Ancillary Products and Services Blue Cross Blue Shield of Minnesota

5:00 Conference Concludes

Who Should Attend?

From Health Plans:  Chief Marketing Officers, Chief Sales Officers, Chief Innovation Officers, Chief Communication Officers, and Chief Strategy Officers.

Also, Presidents, EVPs, SVPs, VPs, Directors, and Managers responsible for:

• Product Development
• Consumer-Directed Health Care
• Strategic Planning
• Decision-Support Tools
• Sales and Marketing
• Prevention and Wellness
• Pricing transparency 

From Employer Groups: Chief Financial Officers, Chief Marketing Officers, Chief Sales Officers, Chief Communication Officers, and Chief Strategy Officers.

Also, Presidents, EVPs, SVPs, VPs, Directors, and Managers responsible for:

• Human Resources
• Benefit Managers
• Health and Wellness Programs
• Consumer-Directed Health Care

Conference Pricing

Team Discount:
Register 3 team members from the same organization at the same time and the 4th team member attends FREE! (Valid only at regular registration rate.)

Register Online or call 800-647-7600

About Corporate Research Group (CRG)

CRG has been providing the managed healthcare marketplace with breaking news, strategic intelligence, marketing research and custom consulting for over fourteen years. Our subscribers include, but are not limited to: public and private health plans, hospital and health systems, employee benefit professionals, federal and state policy leaders.