Tag: healthcare

Posted on by

3 Ways Worksite Care Works

Several states are estimating double-digit percentage hikes for insurance premiums in 2019 under the Affordable Care Act.  America’s saga has included these annual increases along with rising healthcare claims under traditional insurance plans. In response, many employers are innovating change to regain control of healthcare dollars.

School districts, government agencies, sheriff’s offices, corporations, and small businesses alike have reduced costs by transitioning to self-funded health plans and launching worksite care for employees, dependents, and retirees.

For those considering this money-saving switch, here are three ways employers and plan members mutually benefit from health and wellness centers at or near the worksite:

  • Added Convenience: Utilization of onsite and near-site health centers is high because plan members embrace convenient access to an array of medical services. Primary care, first aid, occupational services, pharmacy, disease management, and wellness services are within easy reach through worksite care. Plan members simply visit the health center during a lunch break, as opposed to taking time off to travel across town for check-ups.
  • Increased Productivity: Keeping employees in peak working condition is a benefit to any organization as a whole. Plan members are often incentivized to access free health-risk assessments with lab work for evaluation of cholesterol, blood sugar, liver function, blood pressure, and other bio-metric panels. Screenings and onsite wellness initiatives help catch any health issues early and support efforts for optimal health.
  • Decreased Costs: In addition to providing preventative care to mitigate risks and avoid high-claim costs, onsite health and wellness centers help decrease specialty-care needs and help avoid expensive ER visits. Wholesale costs on generic drugs also reduce pharmacy costs, while providing access to free prescriptions for plan members. Best of all, plan members pay zero deductibles and no copays for worksite care.

“Worksite care provides a win-win situation for employers and plan members,” said Ray Tomlinson, president Crowne Consulting Group, which is engaged in operating over 30 onsite and near-site health centers across Florida. “Services are tailored for each employee population to eliminate unnecessary spending and to optimize benefits for health and productivity.”

Crowne Consulting Group has built a solid reputation in helping employers implement an onsite-healthcare model with customized services for plan members. Healthcare centers, including operations and administration, are costing approximately 30 to 70 percent less than what employers are paying under the fee-for-service model.

Crowne Consulting Group and its affiliates serve school districts, city government, county government, sheriff’s offices, and private organizations.  Call 407.654.5414 for information.

Posted on by
Onsite Employee Healthcare Centers
Reduce Wasteful Spending in Pharmacy Costs


Crowne Consulting Group Helps Employers Save Money
with Wholesale Prescription Programs 

April 17, 2018 (Ocoee, Fla.) – Beyond improving care and convenience, onsite healthcare centers are helping both employers and patients achieve significant savings in medical and pharmacy costs.

Crowne Consulting Group, Inc. is engaged in co-operating over 30 health and wellness centers for large employers across Florida. In addition to medical care, centers offer free pharmacy services with generic prescriptions available for employees, dependents, and retirees.  Employers pay low-cost wholesale rates on prescription drugs, which drastically reduce expenses for the employers. Patients benefit by conveniently walking away from appointments with free or low-priced medicine.

“Employers need innovative solutions because Americans are wasting millions annually on price gouging, clawbacks, and other forms of prescription drug overcharging,” said Ray Tomlinson, president of Crowne Consulting Group, which specializes in decreasing employer healthcare costs through customized onsite-healthcare models.

In addition to improving access to quality care, Crowne’s experts stay focused on helping employers combat the rising costs of specialty pharmacy drugs through drug-spending evaluations and cost-containment programs.  Spending control is vital according to a study released in March by University of Southern California – Schaeffer Center for Health Policy & Economics, which found customers overpaid for prescriptions 23 percent of the time. Reports reference “clawbacks” as when customers unreasonably pay prescription copays that are higher than a drug’s actual cost.

JAMA Internal Medicine recently reported generic drug substitutions are critical in reducing wasteful spending in healthcare. The researchers specifically noted expenses can be mitigated with generic versions of statins as opposed to brand-name drugs with higher costs.

Through wholesale generic drug programs and onsite healthcare services, Crowne’s clients have reported multimillion-dollar savings in healthcare expenditures, while simultaneously enhancing care for patients.

 

About Crowne Consulting Group:  Crowne Consulting Group, Inc., founded in 1986, provides administrative oversight services for worksite health and wellness centers and is a related company with The Crowne Group, an employee benefits consulting firm specializing in employer solutions and personal lines of insurance.  Crowne serves public sector employers such as school boards, city and county government, sheriff offices, as well as private organizations.  Solutions for consumer-driven plans include health reimbursement arrangements, self-funded plans, onsite health centers, as well as risk management and human resources consulting.

###

Posted on by
Employee Healthcare Costs
– Forecasting for 2018

Crowne Healthcare Costs Forecasting 2018As employers across America look ahead to 2018 budgets, experts predict the keys to successfully maintaining a healthy bottom line will be controlling actual service costs while also reducing medical risks.

According to projections from PwC Health Research Institute (HRI), medical costs in the 2018 employer insurance market will grow at a slightly faster rate than 2017.  HRI’s latest edition of “Behind the Numbers” lists price of services and rates of utilization as the leading factors affecting 2018’s projected 6.5% medical-cost trend.

“In a competitive labor market, employers are looking for new cost containment strategies beyond shifting more costs to employees,” according to HRI’s report, which also recommends employers take action by considering customized worksite-health-promotion programs, drug-spending evaluations, and a stronger focus to “tackle price” on provider arrangements.

An increasing number of employers are now choosing self-funded health plans as a first step in combating costs. Self-funded employers pay medical costs for services without paying insurance premiums to carriers each year. Notably, most self-funded plans will require reinsurance or a separate stop-loss policy for catastrophic events in order to financially manage long-term risks or losses.

Benefits experts can help organizations easily transition to self-funded programs.  Once self-funded, employers are positioned to mitigate risks and lower expenses through the customization of healthcare programs for employees, retirees, and their dependents.

“Shifting to self-funded plans and focusing on preventative care are two ways budget-minded employers in today’s market are achieving the greatest return from healthcare investments,” said Ray Tomlinson, president of Crowne Consulting Group, a benefits-planning firm specializing in self-funding and the operation of over 30 onsite and near-site employee health centers.

Employers are launching onsite health and wellness centers for plan members to combat rising healthcare costs.  Onsite healthcare specifically attracts self-funded groups because medical visit costs are paid directly by the employer without claims being filed through the more expensive fee-for-services model typically conducted by Group health insurance programs.  With an onsite-care model, however, the employer controls spending by paying significantly lower costs.

“Self-funded employers can substantially cut costs through customized risk management and on-site care programs, while patients reap the benefits of no out-of-pocket costs and easily accessible primary care, disease management, screenings, x-rays, wellness, and prescriptions,” said Tomlinson.

Crowne Consulting Group’s clients have included school districts, cities, counties, sheriff’s offices, and private organizations.  Contact Crowne or call 407.654.5414 for information and employer solutions.

Posted on by

Employers Turn to More Sophisticated Health Benefits and Wellness Incentives

Crowne Consulting Group Keeps Pace with National Trends Toward Screenings, Health Risk Assessments, and Customized Wellness Programs.

Employee-HealthcareOct. 24, 2017 (Ocoee, Fla.) – As health literacy and risk management become critical components of employer-sponsored health coverage, Crowne Consulting Group meets the demand by launching onsite healthcare with measurable wellness solutions for employees, retirees, and dependents.

Crowne’s benefits planning experts have spent years touting the rewards of preventive medicine through the operation of onsite and near-site health and wellness centers. A growing number of large and small employers agree the onsite-care model uniquely positions them to incentivize plan members to participate in life-saving biometric health screenings, health risk assessments, and reward-based wellness programs including smoking cessation, exercise, nutrition, and disease management.

“Free lab work and primary care coupled with incentives for medical action far surpass the outdated standards of wellness programs triggered by large claims,” said Ray Tomlinson, president of Crowne Consulting Group. “Onsite care and proactive programs achieve success by saving employers millions of dollars in medical costs – while also saving countless lives.”

According to a study discussed in the September AEM Journal from the Society of Academic Emergency Medicine, patients with limited health literacy were twice as likely to have preventable emergency department visits resulting in a hospital admission. Employers are recognizing costly health-literacy issues and are taking action through wellness initiatives.

The 2017 Employer Health Benefits Survey by Kaiser Family Foundation reports 58 percent of small firms and 85 percent of large firms offer at least one key wellness program.  Additionally, 38 percent of small firms and 62 percent of large firms offer workers health risk assessments. Notable incentives for participation include gift cards, merchandise, and financial rewards such as payroll-fee avoidance or lower premiums.

About Crowne Consulting Group:  Crowne Consulting Group, Inc., founded in 1986, provides administrative oversight services for worksite health and wellness centers and is a related company with The Crowne Group, an employee benefits consulting firm specializing in employer solutions and personal lines of insurance.  Crowne serves public sector employers such as school boards, city and county government, sheriff offices, as well as private organizations.  Solutions for consumer-driven plans include health reimbursement arrangements, self-funded plans, onsite health centers, as well as risk management and human resources consulting.

###

Media Contact: Ray Tomlinson, President, 321.221.0665, rtomlinson@crowneinc.com

Posted on by

What Makes a Healthy Employer?

Crowne provides tips to build a healthy workforce.
Healthy Workforce
Build a Healthy Workforce with the Help of Crowne Consulting Group.

Employers have great opportunities to apply for an array of awards each year.  From the best places to work to fastest growing companies, there is no shortage of honors and nominations. Particularly, many organizations, respected journals, healthcare groups, and business associations across the nation give out employer health awards for having a healthy workforce.  The standards vary for award rankings, but most designate wellness and easy access to care as essential criteria for a healthy workplace.

“Preventative care and disease management are top priorities for cultivating a healthy workplace,” said Ray Tomlinson, president of Crowne Consulting Group, a benefits-planning firm specializing in the operation of over 30 onsite and near-site employee health and wellness centers throughout Florida.

Public and private organizations deemed as “healthy workplaces” have implemented onsite care for employees, retirees, and dependents.  Onsite care provides plan members with convenient access to no-cost primary and chronic care, screenings, lab work, X-rays, EKG, generic prescriptions, and wellness programs including smoking cessation.

  • Through Crowne’s onsite-care model, patient appointments can be made online or by phone for a 20-minute visit with a doctor.
  • Patients can reserve additional time with the physician if needed, and they never have to pay a copay.
  • In addition to physicians, the staff typically includes nurses, dieticians, exercise physiologists, and other medical staff.
  • Teams work together to provide a holistic approach to care while nurturing a healthy working environment.

Crowne points to the District School Board of Pasco County as a shining example for healthy workplaces. The district has worked with Crowne’s experts and medical affiliates since 2011 through CareHere Crowne LLC, which oversees onsite care operations for its more than 10,000 plan members. The district’s list of subsequent awards have included a Platinum Fit-Friendly Worksite Award from the American Heart Association, a Worksite Wellness Silver Award from the Florida Tobacco Cessation Alliance, the Top 100 list from the Healthiest100 awards, and a Healthiest Employers Award from the Tampa Bay Business Journal. Between 2011 and 2016, the District also saved over $26 million in health and medication expenditures

“Financially, the ease of use and cost-free care keeps utilization high for employers wanting a return on investment when implementing onsite care for a healthier workforce,” said Tomlinson.

———-
Learn more about bottom-line wellness! See Crowne Consulting Group’s featured statements in the Orlando Business Journal’s August 18, 2017 cover story: How Orlando-area firms save money on health care budgets.  The special issue also features the 2017 Healthiest Employers.

Crowne Consulting Group’s clients have included school districts, cities, counties, sheriff’s offices, and private organizations.  Call 407.654.5414 for information and employer solutions.

Posted on by
PRESS RELEASE

Cost-Cutting Solutions to Enhance Employee Care

Crowne Consulting Group Defines Three Healthcare Solutions Proven to Save Employers Money.

July 20, 2017 (Ocoee, Fla.) – As the future of healthcare lingers in a national debate, Crowne Consulting Group, Inc. delivers achievable ways for employers to decrease medical expenses while enhancing care for employees.

An employee benefits consulting firm specializing in the operation of onsite health and wellness centers, Crowne Consulting Group has helped employers ranging from 170 to over 8,000 employees. HR departments and administrators have trusted Crowne’s experts to save millions of dollars in healthcare budgets by implementing three key solutions.

  1. Self-Funding: Employers self-fund to achieve the greatest return from their healthcare investments. Success is achieved by strategically transitioning from fully insured to self-funded or partially self-funded through a guaranteed program with a rate-cap for at least three years. Private organizations, school districts, cities, counties, and sheriff offices have worked with Crowne’s experts and affiliates to control expenses through self-funding.
  1. Onsite Healthcare: Implementing onsite or near-site employee health and wellness centers has helped reduce the cost of healthcare claims 30% to 70% less than what employers were paying under a fee-for-service model. Employers control costs, while employees, retirees, and dependents enjoy cost-free access to primary care, clinic services, chronic care, screenings, lab work, X-rays, EKG, generic prescriptions, and wellness programs.
  1. Disease Management: Employers flatten cost-trends and reduce expenses by assessing risks early and having a healthier, more productive workforce. Free screenings and workplace wellness programs enhance care for plan members and help employers prevent high-dollar claims by mitigating risks associated with chronic diseases.

“Regardless of politics and health reform, America’s budget-minded employers can access today’s most effective cost-containment solutions – from self-funding, to onsite care, to specialty pharmacy programs,” said Ray Tomlinson, president of Crowne Consulting Group.

About Crowne Consulting Group:  Crowne Consulting Group, Inc., founded in 1986, provides administrative oversight services for worksite health and wellness centers and is a related company with The Crowne Group, an employee benefits consulting firm specializing in employer solutions and personal lines of insurance.  Crowne serves public sector employers such as school boards, city and county government, sheriff offices, as well as private organizations.  Solutions for consumer-driven plans include health reimbursement arrangements, self-funded plans, onsite health centers, as well as risk management and human resources consulting.  Call 321-221-0665 for more information.

Posted on by

PRESS RELEASE

Onsite Employee Health Centers Bring Cities Success

City Government Clients of CareHere Crowne LLC Cut Costs While Improving Care.

April 12, 2017 (Ocoee, Fla.) – The benefits planning team at Crowne Consulting Group reports enhanced care and lower medical costs for city governments providing onsite and near-site health and wellness centers for employees, retirees, and dependents.

Employers had faced relentless increases in healthcare expenditures for years. In an effort to control budgets and save taxpayer dollars, many Florida cities turned to self-funding and worksite healthcare models as a way to control medical costs, while preventing and managing chronic conditions.

“On average, the operation and administration costs for onsite health centers are 30 to 70 percent less than what employers are paying under the fee-for-service model,” said Ray Tomlinson, president of Crowne Consulting Group.

Onsite health centers provide plan members with cost-free access to primary care clinic services, chronic care, screenings, lab work, X-rays, EKG, generic prescriptions, and wellness programs including exercise, nutrition, and smoking cessation. Florida cities opting for worksite care include Ocala, Ocoee, Apopka, Sanford, Kissimmee, Lake Mary, Sarasota, Leesburg, Mount Dora, Deland, and others.

The City of Oviedo, a CareHere Crowne LLC client, has experienced success with onsite care and wellness programs designed to encourage healthy lifestyles. The city won the 2016 Healthy Weight Community Champion from The Florida Department of Health. Since opening its employee health and wellness center in March 2010, the city reduced medical care costs while improving care.

The Annual Survey on Employer Health Benefits by the Kaiser Family Foundation estimated five percent of employers with at least 50 employees offered health services through an on-site health clinic. The 2016 survey interviewed over 1,000 non-federal public and private firms. Approximately 25 percent of larger firms with at least 1,000 workers offer onsite care benefits.

About Crowne Consulting Group:  Crowne Consulting Group, Inc., founded in 1986, provides administrative oversight services for worksite health and wellness centers and is a related company with The Crowne Group, an employee benefits consulting firm specializing in employer solutions and personal lines of insurance.  Crowne serves public sector employers such as school boards, city and county government, sheriff offices, as well as private organizations.  Solutions for consumer-driven plans include health reimbursement arrangements, self-funded plans, onsite health centers, as well as risk management and human resources consulting.

Call 407-654-5414 for more information.

Posted on by

Press Release
Crowne Consulting Group

Healthy Bottom Line for Healthy Workplaces

Heart Health and Financial Savings for CareHere Crowne LLC’s Onsite Care Clients.

Feb. 2, 2017 (Ocoee, Fla.) – Crowne Consulting Group, benefits experts helping employers save money through onsite healthcare, is spotlighting patient-focused care in celebration of American Heart Month this February.

“Onsite care is optimized when coupled with personalized initiatives including health-risk assessments, incentive programs, and worksite health coaches to help individuals maintain a healthy lifestyle through physical activity, nutrition, and disease prevention,” said Ray Tomlinson, president of Crowne Consulting Group.

The District School Board of Pasco County promotes a healthy culture with onsite care for over 10,000 plan members. The district has worked with Crowne’s experts and medical affiliates since 2011 through CareHere Crowne LLC, which oversees onsite care operations. Onsite and near-site health centers provide employees, retirees, and dependents convenient access to no-cost primary and chronic care, screenings, lab work, X-rays, EKG, generic prescriptions, and wellness programs including smoking cessation.

“After 25 years of smoking, I succeeded to permanently quit smoking without any tendency to smoke again,” said Maged Honien, 41, who is an eighth-grade science teacher working with a certified health coach at Pasco schools’ onsite health center. “I’ll keep taking care of my health by staying smoke free and by going to the gym at least twice weekly.”

In addition to success stories and district awards from the American Heart Association for promoting a healthy workplace, the district has drastically cut costs. Between 2011 and 2016, Pasco schools reported over $26 million savings in health and medication expenditures. Simultaneously, district employees saved over $4 million in co-pays for office visits and generic medication.

“In addition to lowering expenses, employers with onsite or near-site care centers are promoting heart health and demonstrating measurable outcomes in employee care,” added Tomlinson.

About Crowne Consulting Group:  Crowne Consulting Group, Inc., founded in 1986, provides administrative oversight services for worksite health and wellness centers and is a related company with The Crowne Group, an employee benefits consulting firm specializing in employer solutions and personal lines of insurance.  Crowne serves public sector employers such as school boards, city and county government, sheriff offices, as well as private organizations.  Solutions for consumer-driven plans include health reimbursement arrangements, self-funded plans, onsite health centers, as well as risk management and human resources consulting.

###

Posted on by

PRESS RELEASE

Employers Take Control of Medical Costs
With Self-Funded Health Plans

Nov. 16, 2016 (Ocoee, Fla.) – Healthcare cost control and risk management are critical reasons why Crowne Consulting Group and its benefits-planning partners are helping employers to self-fund their health plans.

While Crowne’s solutions have supported corporations, school districts, sheriff’s offices, and municipalities spanning Florida, the self-funding trend is spreading nationwide. Employee Benefit Research Institute (EBRI), a Washington, D.C.-based nonprofit, published a July report on trends in self-insured health plans between 1996 and 2015.  A rise from 28.5 to 39 percent was reported for private employers offering self-funded plans.

For decades, a majority of large employers and government agencies have benefited from self-funded plans, but EBRI’s report notes an increasing percentage of small and mid-sized businesses self-funding. Additionally, October’s Market Realities report by Willis Towers Watson forecasts lower rate increases for self-insured plans compared to fully insured plans in 2017.

“Whether a decision to self-fund is for lowering insurance expenses or for managing government provisions, employers are achieving greater control of costs,” said Ray Tomlinson, president of Crowne Consulting Group, which is aligned with partners offering special programs with rate-caps from one of the nation’s largest stop-loss carriers for those risks who qualify.  “Reinsurance or external insurance for catastrophic events is essential in managing long-term risk and avoiding losses through high-cost claims.”

Crowne and its partners are also helping self-funded employers mitigate risks and lower expenses through the operation of onsite and near-site health and wellness centers.  In contrast to the typically expensive fee-for-service model of filing insurance claims, a self-funded employer can launch an onsite-care model and pay significantly less for medical services for employees, retirees, and their dependents. No-cost primary and chronic care, screenings, x-rays, wellness programs, and onsite pharmacies are among the benefits to patients of worksite healthcare.

About Crowne Consulting Group:  Crowne Consulting Group, Inc., founded in 1986, provides administrative oversight services for worksite health and wellness centers and is a related company with The Crowne Group, an employee benefits consulting firm specializing in employer solutions and personal lines of insurance.  Crowne serves public sector employers such as school boards, city and county government, sheriff offices, as well as private organizations.  Solutions for consumer-driven plans include health reimbursement arrangements, self-funded plans, onsite health centers, as well as risk management and human resources consulting.

Posted on by

Healthy Staff for Healthy Schools
How Onsite Care Benefits Teachers, Staff, and Students

apple-healthyschoolHealthy, hard-working teachers play an important role in the education of our children, which is why access to quality care and health education for our teachers is critical to inspiring learning in the classroom.

Based on a 2016 report by Education Week, approximately 39% of Florida K12 teachers missed more than 10 school days during the 2013-2014 schoolyear. Nationally that same year, slightly more than 1 in 4 teachers missed 10 days or more, according to data from Education Week Research Center’s review of U.S. Department of Education and the federal civil rights office.

While personal reasons for time off may vary, sick days out for colds, flus, and other preventable conditions are days setting students and teachers behind.  In an attempt to prevent teacher absences from impacting learners, some districts are taking a proactive approach to ensure their employees have convenient access to high-quality preventative care, vaccines, and primary care.  Florida schools are particularly embracing an onsite-care model by offering employee health and wellness centers at or near the worksite.

When opening Lake County School’s first employee health and wellness center in August 2011, risk manager Lauren Deridder said, “The health and wellness center provides convenient and quick service, and the employees have quality time with the doctors, less of wait, and no out-of-pocket expenses.” Now with four centers spread across the county, the district is saving $150 for every patient that is seen by the employee center instead of an outside physician.

The ease of use and cost-free care keeps utilization high for teachers, staff, dependents, and retirees.  Patients visiting onsite health and wellness centers enjoy free access to primary medical, screenings, lab work, X-rays, EKG, occupational health, wellness programs, generic prescriptions, as well as comprehensive treatment and health education for managing conditions like diabetes and high blood pressure.

“In addition to helping employers save millions of dollars, we’re thrilled to be helping keep teachers in the classroom,” said Ray Tomlinson, president of Crowne Consulting Group, which operates over 30 on- or near-site health and wellness centers throughout Florida, including several for school districts as well as private companies, cities, counties, and sheriff offices.

Unlike outdated wellness programs that are triggered by large claims or passive educational material, the onsite-care model includes an active approach based on extensive lab work, Health Risk Assessments (HRA), and health education through customized wellness programs. “These increased screenings, HRAs, and easy access to preventative care like flu shots are helping districts increase productivity, while also cutting absenteeism costs and expenses that could be reallocated for other school resources,” added Tomlinson.

Crowne Consulting Group’s school district clients have included Citrus, Levy, Pasco, Lake, St. John’s, and Indian River.  Crowne and its affiliates also serve city government, county government, sheriff’s offices, and private organizations.