BKCW Insurance and HealthJoy Partner in Texas

BKCW Insurance and HealthJoy Partner in Texas

Hello, Texas! We’re very excited to welcome our newest benefit advisor partner BKCW Insurance, Risk Management & Benefits. Now, companies working with BKCW will be able to leverage artificial intelligence-driven cost containment and engagement technology for their employees within the benefits strategies BKCW Insurance delivers.

Founded in 1952, BKCW Insurance is a third-generation family-run operation with a vast book of business spanning several industries. With offices in Austin and Killeen, TX, they are capable of handling any type of insurance risk with the knowledge, professionalism, and integrity that only an award-winning agency of 60+ years can provide. Currently, BKCW operates primarily in the state of Texas, but has clients with operations in 37 states. During the last 25 years, BKCW has established itself as a leader in providing customized insurance programs to a number of specialty industries. BKCW has been recognized by the Independent Insurance and Brokers of America (IIABA) as a Best Practices agency for 17 consecutive years and as the Top Performing Agency in its size class for four different years.

“BKCW pairs a history of expertise and excellence in client success with a forward-thinking approach to employee benefits and technology.” Said Doug Morse-Schindler, President and Co-Founder of HealthJoy. “Healthcare costs have continued to take a larger portion of business bottom lines and employee paychecks, and BKCW understands that stopping that vicious cycle starts with engaging employees and empowering them to make better decisions. Their reputation in their market is unmatched, and we are honored to take this solution to their clients together.”

“Containing costs and mitigating risk for the companies we work with starts with changing the way that employees and their families interact with the healthcare system. They need tools to help make the easy choice the best choice, not only for their health, but for their wallet,” said Tyler Spears, Managing Partner at BKCW. “healthjoy.combines artificial intelligence and personal service to provide users an integrated and dynamic platform to access their healthcare resulting in smarter and more timely decisions. We are very excited to bring this solution to our clients.”

For more information on this exciting announcement, reach out to Tad Dorroh at BKCW at 254-699-7100 or via email at t.dorroh@bkcw.com

About HealthJoy

HealthJoy’s mission is to transform broken healthcare experiences for employees and their families through artificial intelligence-driven technology, curated resources, and expert service.

HealthJoy’s mobile app features an intelligent virtual assistant, JOY, that makes navigating healthcare a personalized, proactive conversation for members. Whether connecting with a doctor virtually or a local specialist, researching a procedure, lowering prescription costs, or negotiating a medical bill, employees simply chat with JOY whenever they need help. The platform integrates a company’s health plan information and other benefits for personalized recommendations and is fully supported by HealthJoy’s expert concierge team for more complex issues, saving money, time, and frustration.

For companies, HealthJoy’s platform provides comprehensive engagement, communications and cost containment tools that deliver unrivaled utilization rates and actionable insights. The platform also gives HR teams the ability to leverage push notifications to send personalized, relevant information to employees, and saves HR teams time by empowering employees to solve their own health care problems. 

BKCW Insurance and HealthJoy Partner in Texas

We’re Excited to Welcome Lake Norman Benefits as a HealthJoy Partner Agency

We’re so excited to welcome our newest partner agency, Lake Norman Benefits, a nationally-recognized benefits consulting firm. Companies working with Lake Norman Benefits will now be able to leverage HealthJoy’s artificial intelligence-driven technology to engage employees and contain costs. 

Founded in 2008 by President David Contorno, Lake Norman Benefits, Inc. partners with business owners in North Carolina, Virginia and New York to provide customized employee benefits package design and implementation, with a focus on lowering costs and improving outcomes and employee wellbeing. Companies working with Lake Norman Benefits have cut their healthcare spend between 20 and 40% while reducing employee out of pocket costs and payroll deductions. Lake Norman Benefits was acquired by the Hilb Group in 2014, and is a top 30 insurance agency nationally. They have received both local and national accolades, being named Advisor of the Year in 2015 by BenefitsPRO magazine, and one of America’s Most Innovative Benefits Leaders by Forbes.

“Lake Norman Benefits is one of the most reputable and forward-thinking consultancy firms in the country for good reason. Their expertise is unmatched, their commitment to innovation is unprecedented, and their team is world-class,” said Doug Morse-Schindler, President and Co-Founder at HealthJoy. “They are the definition of best-in-class, and our core values are completely aligned. We couldn’t be more excited to call them a partner.”

“HealthJoy allows us to constantly and effectively engage employees to better and more confidently navigate a complex, inefficient healthcare system,” said David Contorno, President at Lake Norman Benefits. “Most importantly, the platform  delivers real, actionable intelligence to maximize physical health and significantly impact and lower the cost of care to both the patient and the employer.”

“It’s hard to be American and not understand that healthcare costs take a larger portion of company revenues and employee paychecks every year. When it comes to cost containment, it’s one thing to provide benefits, and it is entirely another to change behaviors and direct people to the resources they need to be informed consumers.” said Nick Taylor, CFO at Morgan Creek Capital, a Lake Norman Benefits client out of Chapel Hill, NC and HealthJoy user. “We were impressed by the comprehensive nature of the solution, and the level of personalization the platform provides. Using HealthJoy, we’ve already saved 50% more in a third of the time as compared to the last tool we introduced to our employees.”

About HealthJoy 

HealthJoy’s mission is to transform broken healthcare experiences for employees and their families through artificial intelligence-driven technology, curated resources, and expert service.

HealthJoy’s mobile app features an intelligent virtual assistant, JOY, that makes navigating healthcare a personalized, proactive conversation for members. Whether connecting with a doctor virtually or a local specialist, researching a procedure, lowering prescription costs, or negotiating a medical bill, employees simply chat with JOY whenever they need help. The platform integrates a company’s health plan information and other benefits for personalized recommendations and is fully supported by a HealthJoy’s expert concierge team for more complex issues, saving money, time, and frustration.

For companies, HealthJoy’s platform provides comprehensive engagement, communications and cost containment tools that deliver unrivaled utilization rates and actionable insights. The platform also gives HR teams the ability to leverage push notifications to send personalized, relevant information to employees, and saves HR teams time by empowering employees to solve their own health care problems. 

Sick of Rising Prescription Costs? Save Big with these Rx Strategies

Sick of Rising Prescription Costs? Save Big with these Rx Strategies

“Complicated problems require complicated solutions,” and healthcare is no exception. Most employers cannot invest the time to learn about the many pieces of the healthcare puzzle. They need innovative benefit advisors who stay on top of and lead industry trends. With employers inundated by news of ever-rising prescription costs, benefit advisors introducing ways to cut prescription spend by 20% are sure to stand out from the crowd.

This article is meant to serve as an introduction to the value of several prescription programs HealthJoy has integrated into our platform for some of our clients. These programs operate as a complement to the pharmacy benefit manager (PBM) and deliver significant savings especially for self-insured, midmarket employers. Keep in mind that these are one part of a prescription strategy which is one part of a larger healthcare strategy. As employee benefits industry leader David Contorno summed it up, “There’s no silver bullet a broker or consultant can bring in that will solve healthcare. View each solution as part of a larger strategy to reduce cost, and then you get a much stronger effect.”

Mail-order, Generic vs. Brand Drugs and more
Employers can no longer afford to neglect prescription costs, as pharmacy spend now accounts for 17% of all medical spend. We can break down the larger problem of prescription costs into two parts: generic and brand name drugs. Generic drugs account for 90% of prescriptions and 28% of pharmacy spend. Generics are a more accessible pool for reducing costs due to their quantity. Brand name drugs make up only 10% of scripts, but each script has a significant impact on rising prescription costs. Mail-order prescription sourcing programs that work alongside a client’s existing PBM combat both sides of pharmacy spend.

While the cost savings are evident to self-funded employers, an arguably greater value is that to the employee and her family. For Mr. Contorno, these programs are most important in that they address prescription adherence: “Typically as medical and drug prices have gone up, employee cost sharing has gone up. That drives care and adherence down. We use programs like Rx ‘n Go and Rx Manage because they are strategies that help both the plan and the employees. That’s the paradigm you have to work in.”

Rx ‘n Go – Focusing on the generic and maintenance drugs that make up the majority of scripts, Rx ‘n Go offers access to over 1,200 generic medications as a complement to a typical employer-sponsored Rx benefit. Employers pay a flat rate per Rx for the drugs that members fill through Rx ‘n Go, while employee cost is reduced to zero. They deliver up to a 90-day supply of generic maintenance medications right to an employee’s doorstep. The company can typically demonstrate 15% to 25% in plan savings on the covered medications due to their focus on the most efficient acquisition and distribution of generic medications. Mort Jorgensen, one of the owners of Rx ‘n Go, explained, “we can’t necessarily get the prescriptions at a lower cost, but we are mission-driven. Helping employees reduce cost, access more choices, and improve medication compliance is what we do. Company savings are a great side effect of our mission.”

Rx Manage and ScriptSourcing (Internationally Sourced Prescriptions) – Addressing the other end of drug costs, Rx Manage and ScriptSourcing reduce the costs of brand name drugs for employers. Employee share is reduced to zero in these programs as well. These companies get their prescriptions through English-speaking countries that have the same quality control standards as the U.S. (referred to as “Tier 1”) – Canada, the United Kingdom, Australia and New Zealand. These countries often have lower prices because they negotiate with drug manufacturers as a country rather than as relatively tiny employers and insurance carriers. It’s also great that all drugs come with instructions written in English rather than potentially other languages.

Barriers to implementation
There are two main barriers to actually setting up the program. The first is structural – does the current plan allow the employer to integrate a third party sourcing program? Some of our partners reported that fully-insured plans and carrier-owned third-party administrators (TPA’s) can make this process difficult.

The second barrier is educating an employer on the value and appropriateness of such programs. Some companies have a hard time understanding the incredible value these programs can provide. Or they are indifferent to the value stories whether around cost or benefit to employee health and wellbeing. Employers may also be concerned with importing prescriptions. Bill Hepscher, owner at Rx Manage, explains to potential clients the difference between “filling your prescription while on vacation in London, and stereotypes around buying prescriptions south of the border. When people think prescription importation, they default to the latter. Once they understand where the prescriptions are coming from, most employers get on board.”

Keys to a successful program
When rolling out one of these programs, you will face the same obstacle as with most other strategies. You have to figure out how to get employees to learn about and use it. How do employees learn that they can save $50 each month? How do you monitor and follow up so that they follow through, especially for high income individuals not motivated by zero cost? It cannot be just another component that’s a phone number contained in a benefits packet that’s thrown in a drawer. You need an outlet for employees to say, “Hey, I got prescribed this drug. Where do I fill it?” ScriptSourcing founder Gary Becker consistently focuses on engagement “because 70% of American households have $1,000 in savings or less. They don’t have time to focus on their benefits. We need to make sure they leverage zero copay programs, adhere to their medication, and don’t ultimately end up in the emergency room.”

Cutting-edge consultants and brokers are not just going to educate, inform and incentivize employees to make better decisions. Mr. Contorno, for example, takes in the pharmacy data each month and proactively reaches out to employees who could fill their prescription through one of these programs. HealthJoy also serves as that communication platform in addition to being the employee’s resource for all of their benefits. Employees know where to turn when they get a new script, and HealthJoy’s timely and personalized reminders won’t let them forget. Additionally, HealthJoy’s prescription optimization algorithm contains 7 other strategies to save employers money.

Our recommendations

  • Identify members up front and communicate to them from the start
  • Dedicate a resource for employee benefits questions and decisions; keep that resource top of mind
  • Track and follow up with those who received a recommendation to fill their prescription through one of these programs
  • Report on client success so that the value you delivered doesn’t go unnoticed!

Take Action
The most important recommendation is to take action. Make steps toward stopping rising prescription costs, whether they are one of these programs or one of HealthJoy’s seven other techniques. If you would like to connect with any of these programs or learn about how HealthJoy boosts engagement and ROI, schedule a demo below. We at HealthJoy work with a variety of vendor partners and do a fair amount of education and introductions for our benefit advisors. If there is a topic you are interested in, I’d love to hear from you.

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<div class='gf_browser_unknown gform_wrapper gform_legacy_markup_wrapper' id='gform_wrapper_9' > <div class='gform_heading'> <h3 class="gform_title">10 Benefits Presentation Tips from TED Talks eBook - 2-Col (Pop-up)</h3> <span class='gform_description'></span> </div><form method='post' enctype='multipart/form-data' id='gform_9' action='/blog/2017/09/' > <div class='gform_body gform-body'><ul id='gform_fields_9' class='gform_fields top_label form_sublabel_below description_below'><li id="field_9_8" class="gfield gf_left_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_9_8' >First Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_8' id='input_9_8' type='text' value='' class='large' placeholder='First Name' aria-required="true" aria-invalid="false" /> </div></li><li id="field_9_9" class="gfield gf_right_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_9_9' >Last Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_9' id='input_9_9' type='text' value='' class='medium' placeholder='Last Name' aria-required="true" aria-invalid="false" /> </div></li><li id="field_9_4" class="gfield gf_left_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_9_4' >Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> <input name='input_4' id='input_9_4' type='text' value='' class='medium' placeholder='Email' aria-required="true" aria-invalid="false" /> </div></li><li id="field_9_5" class="gfield gf_right_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_9_5' >Company name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_5' id='input_9_5' type='text' value='' class='medium' placeholder='Company name' aria-required="true" aria-invalid="false" /> </div></li><li id="field_9_10" class="gfield gf_left_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_9_10' >Company Size<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_select'><select name='input_10' id='input_9_10' class='large gfield_select' aria-required="true" aria-invalid="false" ><option value='' selected='selected' class='gf_placeholder'>Company Size</option><option value='1-100' >1-100</option><option value='100-500' >100-500</option><option value='500-3000' >500-3000</option><option value='3000-1000' >3000-1000</option><option value='10000+' >10000+</option></select></div></li><li id="field_9_7" class="gfield gf_right_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_9_7' >What Describes You?<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_select'><select name='input_7' id='input_9_7' class='large gfield_select' aria-required="true" aria-invalid="false" ><option value='' selected='selected' class='gf_placeholder'>What Describes You?</option><option value='Employer' >Employer</option><option value='Benefit Consultant' >Benefit Consultant</option><option value='TPA' >TPA</option><option value='PEO' >PEO</option><option value='Other' >Other</option></select></div></li></ul></div> <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_9' class='gform_button button' value='Get Your eBook' onclick='if(window["gf_submitting_9"]){return false;} window["gf_submitting_9"]=true; ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_9"]){return false;} window["gf_submitting_9"]=true; jQuery("#gform_9").trigger("submit",[true]); }' /> <input type='hidden' class='gform_hidden' name='is_submit_9' value='1' /> <input type='hidden' class='gform_hidden' name='gform_submit' value='9' /> <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' /> <input type='hidden' class='gform_hidden' name='state_9' value='WyJbXSIsImFkODg5MTk3ZmY1MDIyZGVjZjEyNWI2ODk1Y2YyMGZiIl0=' /> <input type='hidden' class='gform_hidden' name='gform_target_page_number_9' id='gform_target_page_number_9' value='0' /> <input type='hidden' class='gform_hidden' name='gform_source_page_number_9' id='gform_source_page_number_9' value='1' /> <input type='hidden' name='gform_field_values' value='' /> </div> </form> </div>