Ensuring Your Security and Privacy Within HealthJoy

Ensuring Your Security and Privacy Within HealthJoy

At HealthJoy, we believe that privacy is your fundamental right. We design every technical system, process, service from the ground up to protect your information. We understand that your healthcare data is the most personal information possible and take extreme care when working with it. We never share a member’s data with their employer, spouse or any other 3rd party without consent. We are 100 percent compliant with all federal privacy laws as well as the Health Insurance Portability and Accountability Act (HIPAA) which has strict guidelines on how to handle data. 

Only You Can Access Your HealthJoy Account

You can secure your HealthJoy account easily with a password that meets password best practices in use today- i.e. at least eight characters long that contains digits, alphanumeric and standard characters. You can create millions of possible combinations. You can also use advanced security technologies such as Touch ID or Face ID to log into your account. Your employer may also enable two-factor authentication for an added level of security. We’ll even monitor your account and let you know immediately if your password is compromised.

Your Healthcare Data Belongs To You

We understand that when it comes to your health and health records, these are private matters. We will never share your data with your employer, under any circumstance. The only data we may share with an employer is aggregated data that’s 100 percent anonymous to protect privacy. An employer will never see your health record. All aggregated data presented is based on the entire employee population, so your employer might view how many online medical consultations happened in April for the whole company, but they will never know you performed five for your family that month. HealthJoy doesn’t gather personal information to sell to advertisers or other organizations.

Fort Knox Approach To Data

We are serious about cybersecurity, our data and how the handling of that data complies with all HIPAA federal requirements and we take it much further. We only use 256-bit encryption within our app and to store all data. Our data center is SOC2 compliant. SOC2 is an auditing procedure that ensures your data is securely managed and processed.

Robust Employee Training

Our employees provide you and your family with confidential, one-on-one help in navigating the complex healthcare system. They are trained to work with providers, facilities, insurance companies, and other health-related organizations to resolve complex issues. They also go through extensive training on HIPAA and how to handle any data. If at any point they need to work with a 3rd party on your behalf with sensitive information, they will get your approval and will not proceed without it. Every one of our employees understands the trust our members place in us each day.

Your Transactions Are Safe

Your peace of mind is our highest priority. Our app connects with 3rd party financial accounts including 401k, HSA, FSA, HRA and many more.  We’re serious about security and use cutting-edge technology to ensure your personal information is fully encrypted and securely stored. For members with high deductible health plans that have a medical consultation fee, we utilize Stripe.com, a PCI Service Provider Level 1, that manages billions of dollars every year in transactions for the largest companies in the world. Our company never stores your financial information on our servers.

Only The Best Partners In The Business

Your mother was right, people judge by who you associate with, and we take that to heart. We only work with companies that are entirely HIPAA compliant that handle your data with care. We make sure through both process and technology that we treat all information correctly. We require HIPAA business associate agreements (BAA) in place with each of our partners to maintain PHI security and overall HIPAA compliance

Most expensive drugs in the US for employers

Most expensive drugs in the US for employers

In a previous blog post, we investigated why drug costs are rising, and what employers and patients can do about it. It seems unbelievable, but the monthly cost of supplying some of these drugs costs more than the average car. Here are the most expensive drugs, listed in order of cost for a one-month prescription:

top-drugs-for-cost

The most expensive drugs tend to be specialty drugs, which charge a steep fee for treating rare conditions. The exception would be Harvoni and Sovaldi, which treat hepatitis C, a disease that affects an estimated three million Americans. Even if you don’t have a rare disease, however, it’s likely that you’re overpaying for your prescription. Prices of the same drug vary significantly between different pharmacies, so your local grocery store may not always be the best option. What’s more, even those with the best insurance packages may be able to get a better deal on prescriptions than their insurance copay amount. All this pricing madness is happening under your nose, and it can feel overwhelming to know where to begin searching for the best-priced drug.

Luckily, our benefits experience platform was built to help patients navigate the complicated pricing schemes we see today. Healthcare Concierge teams who perform Rx savings reviews can help you make the best of a tough situation. After scouring the market for generic alternatives, manufacturer’s coupons, mail order options, and much more, a prescription expert will secure the best price for your prescription. That way, you don’t have to do any of the grunt work that comes with saving money. Our prescription algorithm takes into account the following data to identify the best options:

  • Therapeutic alternatives
  • Manufacturer coupons
  • Prescription assistance programs
  • Our Rx savings program
  • Mail-order pharmacies
  • International mail-order drug programs
  • Pharmacy prices
  • Optimization of dosage
  • Generics

Our 9 point strategy delivers average savings for members of $65 per month per medication. This is the reason JOY; our artificial intelligence-powered virtual assistant interacts with every member and asks about their present medications.

How Your Workforce Can Drive Down Healthcare Costs

How Your Workforce Can Drive Down Healthcare Costs

Have you ever noticed that buying healthcare is unlike buying anything else in the U.S.? It’s an entirely different experience from going to the shopping mall or the car dealership. In many ways, it’s the absolute opposite experience from what we expect as consumers of nearly every other service. When shopping for common medical treatment like a CT scan, it can be almost impossible to find basic information like the price and quality of different providers. As consumers, we’ve collectively lowered our standards of what to expect when it comes to shopping for medical care. This phenomenon can largely be explained through a concept known as moral hazard. We’ll take a closer look at what healthcare’s moral hazard issue is, what it means for healthcare, and how we can drive down healthcare costs.

What is Moral Hazard?

Going shopping is an activity we often associate with wastefulness, buyer’s remorse, or “retail therapy.” Shopping is also full of opportunities to save money through price matching, store-by-store comparisons, and online research. In the world of healthcare, this is what shopping is all about. A shoppable service is a common healthcare procedure that can be researched or “shopped” in advance and is offered by multiple providers. These services include things like MRIs and colonoscopies, and often have price and quality data available. Simply taking the time to “shop around” for the best place to receive treatment can yield huge savings, because the prices and quality of these services vary widely between providers. Sadly, we don’t shop around nearly enough as consumers of healthcare, due to a phenomenon that economists call moral hazard.

Moral hazard is a behavior that consumers display when insurance covers them. They tend to take more risks and become less careful about spending decisions, merely because they know that someone else will foot the bill if any mishap does arise. In other words, we care less when we know we’re not paying.

In healthcare, this behavior is visible every time we walk into the doctor’s office. Since it’s implied that we are not responsible for a large chunk of the bill, we tend to pay less attention to how much medical services cost. We don’t usually pry or look closely at the pricing details before receiving care, partly because that information is hard to come by, but also because we’ve come to rely on insurance to keep us off the hook for the full cost of our care.

In a similar vein, we may not be picky as we should be in choosing how much care to receive. Instead of sticking solely to the treatments we need, we seek unnecessary care when we know insurance covers it. This incentive to order too much care is the very reason deductibles were created; they impose an amount that patients must pay towards their care out-of-pocket before insurance coverage begins. Consumers aren’t the biggest issue, though—healthcare providers today have become notorious for overtreatment and providing unnecessary care. Doctors tend to order unnecessary procedures because they face profit motives and for legal protection against lawsuits. After all, they have the expertise and informational advantage, so who are we to question their decisions?

The Consequences of Moral Hazard

What does moral hazard mean for healthcare costs? For one, it means we regularly overpay for services that are available at a much lower price. Doctors and hospitals that provide the same treatments at lower costs while maintaining quality are out there, but people don’t know how to find them. When every individual across an entire nation fails to check their options for medical treatment and overpays, it quickly adds up. In fact, the Health Care Cost Institute finds that nearly half of the $524.2 billion spent on health care by individuals with employer-sponsored insurance is shoppable. This means that merely helping people make better decisions in their healthcare spending can substantially cut down on the bill. Smart shoppers save a great deal of money over a lifetime, and this fact rings especially true in the healthcare market.

Cost containment isn’t the only thing we’re missing out on because of moral hazard. As consumers, usually, we demand high-quality, all-around fantastic customer service. If a store or restaurant doesn’t deliver this, we take our business elsewhere. We know our options, and we reward the companies that meet our demands.

In healthcare, on the other hand, it seems we have settled for a system that provides a subpar customer experience. Hours on hold, unreadable and incorrect bills and confusing insurance policies are things that would not fly in any other industry. If more people were willing to make informed shopping decisions in healthcare as they do for everything else, the confusion would vanish quickly. Customers would demand clarity around prices as well as an immediate end to thick booklets that health insurance companies send out.

All this is to say that a solution to unreasonably high healthcare costs is to listen to the age-old rule that the customer is always right. We need to bring consumerism back to healthcare; only then will there be pressure for the market to act in the way it should—with more reasonable prices, a high priority for customer satisfaction, and better care outcomes.

How to Become a Consumer of Healthcare

With plenty of political backfire by both parties against even the smallest health care reform, it can be hard to imagine how we’ll ever bring about the type of change that is needed. Luckily, third-party innovators are opening the horizon of possibility for improving our healthcare system.

Take healthcare navigation platforms – these are powerful tools for finding the best price and quality for any given procedure. To do so, they perform research and shop for the best provider possible using reputable sources that most people don’t realize exist. On top of saving you hours of online browsing and pinpointing the provider who gives you the best value for your dollar, a healthcare guidance platform might even save you a trip to the doctor’s office altogether. Using tools like telemedicine, you can resolve many health issues by merely consulting an online medical provider.

The idea that someone else is covering most of your healthcare bill is a myth. We need to realize how much we truly spend to fund this system over our lifetimes, and that rising costs are not resulting in better care. Patients can only make smart decisions and drive the market towards cost-effectiveness if they can navigate the system and tell right from wrong and left from right. They need advocates to guide them through the tricky terrain of using healthcare. In short, the secret to eliminating moral hazard and empowering employees to drive down healthcare costs is to lead them to the right spending decisions in the easiest, most enjoyable way possible.

 

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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/2018/08/' > <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>