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* We’ve finished the first calendar quarter of 2014. The Affordable Care Act’s sign-up results have gotten a lot of attention. How do you feel about the amount of attention that employers – your clients and prospects - are giving to the law’s impact on their plans? Select one response. |
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What strategic moves are you urging employers to make for 2015? Rank in order of priority |
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Formally evaluate private exchanges |
| | Take steps to increase employees & dependents engagement with primary health plan |
| | features like health screenings, biometric assessments, special support for management of chronic conditions |
| | Increase employer’s attention to population health and the impact of health improvement programs |
| | Amend plans to support access to/use of remote primary care services (telephysician visits, retail and/or urgent care clinics) |
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What percentage of your clients offer employees health coverage that qualifies as a High Deductible Health Plan or that features a Health Reimbursement Account?
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What percentage of your clients offer employees ONLY High Deductible Health Plan coverage or that features a Health Reimbursement Account? |
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Questions 6 and 7 have to do with specialty pharmaceuticals. The introduction of an increasing number of specialty pharmaceuticals presents consumers with new financial challenges to obtaining recommended care - and employers with new challenges for financing that care. Please rank your replies.
What is your approach to advising clients on the prescription benefits strategies best suited to their needs? |
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We don’t give attention to prescription benefits in isolation from our employers’ health benefit plans |
| | We focus on cost-management strategies like the definition and pricing of prescription drug tiers, the terms of step therapy and prior authorization requirements, and selection of Pharmacy Benefits Managers |
| | We evaluate pharmacy benefits explicitly in the context of the employer’s overall health benefits strategy. For example, we try to avoid plan designs that encourage employees to manage chronic conditions more effectively but which create barriers to obtaining medications that support them sticking to prescribed treatment regimens. |
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The introduction of an increasing number of specialty pharmaceuticals presents consumers with new financial challenges to obtaining recommended care - and employers with new challenges for financing that care. Please rank your replies.
What changes are you advising your clients to make for 2015? |
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Examine your health plan data to determine what share of your prescription drug benefit payments are now being made via your medical plan rather than your prescription drug benefit |
| | Create a specialty drug tier that provides flexibility to determine the plan’s share of reimbursement based on medical necessity |
| | Monitor the market closely for emergence of plan design alternatives to conventional prescription drug plan designs |
| | Look for ways to get creative with copay support services offered by drug manufacturers |
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| Any unusual/innovative specialty pharmacy strategies you are evaluating or recommending that we did not list in the previous question? | | |
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The 2013 edition of Kaiser’s annual Employee Benefits Survey summary reports that 80% of employers rely on brokers/advisors for help in making decisions about whether to engage new health benefits service providers like health insurers and PBMs.
Do you feel that the same proportion rely on brokers/advisors for help in making plan design decisions, separate from making choices about service providers/administrators, etc? |
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If No, what percentage of employers do you feel rely on their brokers/advisors for benefit plan design help? |
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This question and the next one have to do with private exchanges. Have you guided any of your clients to private exchanges in 2014? If so, approximately how many? |
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Specifically with respect to prescription drugs, do you anticipate private exchanges offer the opportunity for fundamental change in prescription drug benefit strategy? |
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Your replies to this question and the next one will help us build a basic profile of respondents.
Approximately how many group accounts with 50+ employees does your firm have? |
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Approximately how many total employees and dependents are eligible for the health benefits you advise your total client base about? |
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