Welcome to 44north! We’re insurance geeks... For over 20 years 44North has been solely focused on improving the lives we touch by leading the HealthE Revolution. From humble beginnings with a card and a promise, 44North has grown to the state’s largest privately owned employee benefits firm, providing group healthcare benefits to over 400 Michigan organizations and over 50,000 lives.
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RATE RELIEF
Yes, we said Rate Relief! We help create long term cost-containment strategies that can save you $1,500 to $3,000 per employee annually, without changing your benefits or carrier.
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Total Lifetime Client Savings Over $2000,000,000!
Generic RX Optimization
Telemedicine
Our patient advocates can assist members to find the lowest cost pharmacy in their area. Did you know that for the 2nd and 3rd most frequently prescribed rx, the cost can be up to 10x more for the same rx?
Get the care you need anywhere, anytime for free
with our cutting edge telemedicine program.
There’s no limit on consultations and they can call in prescriptions directly to your pharmacy!
Patient Advocacy
Pricing Transparency While more carriers advertise online tools to compare prices, many providers don’t post their prices on carrier sites and can’t paint you the entire picture like we can.
Our patient advocates answer your employee’s benefit questions, investigate claims and help file appeals. We help put over $1,000,000 back into your employee’s pockets each year!
Self Funding Solutions
Alternative Funding Solutions
By analyzing plan utilization and implementing an alternative funding strategy that takes advantage of IRS Code Section 105, Michigan employers consistently see premium savings while maintaining current benefit levels for their employees.
More and more employers are experiencing substantial group benefit rate increases. Our in house TPA allows us to help employers create a seamless self-funded plan design to reduce spending. 44North also provides our partner clients the tools to carve out excess medical claims. When is the last time you received a refund?
Wellness Your employees are your most valuable resource, and when they are healthy, your bottom line will be healthy. We look at your corporate culture, employee demographics, and benefits strategy and offer wellness plans through your carrier, or standalone options.
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ADMINISTRATIVE SIMPLIFICATION
HR Technologies
For Human Resources:
• Improves communication • Gains instant access to your data • Easy to use and customize • Streamlines benefit shopping experience • Modernizes employee management For Employees: • Easy access to HR information
• Intuitive benefit enrollment • On the go mobile access • Paperless on-boarding • Employee self-service
Our tools deliver critical information to employees when and where they need it most. The “HR In Hand” app gives employees instant access to critical benefits and company information, including: Employee communication used to be difficult; not anymore! Mobile
• Virtual ID cards • Plan Summaries • Plan Documents • Provider Directories • Pharmacy/Laboratory Locations • RX information • Employee Directories • Company Forms & Resources • Federal Notices Compliance • And more
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Worried about ACA reporting & tracking requirements? We’ve got you covered. Simplified ACA Compliance
The Affordable Care Act is new to everyone so we decided to cut through the noise with a set of simple, but powerful tools that won’t break the bank.
Eligibility tracking for hourly employees • Set-up stability and administrative periods • Easily track hours during measurement periods • Quickly identify eligible employees An affordable data collection tool for 1094/1095 reporting • Track and categorize your employees • Import health plan enrollment data • Calculate affordability & your monthly FTE counts • Process 1094-C and 1095-C reporting
Isn’t it time your benefits and HR management caught up with the rest of your company?
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Next Level: • Online personnel notes • Event transaction logs • Track & approve employee changes • Event based compliance triggers • Customizable onboarding • Document uploading for employees
The Basics: • Personnel records management • Salary history • Dependent management • Emergency contacts • License & certificates • Education • Job descriptions
Streamline: • New hire and open enrollment • Defined Contribution • Decision support • Medical, dental, vision • Critical illness & accident • Life & disability • FSA, HSA & transit accounts • EOI & COBRA support
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COMPLIANCE & RISK REDUCTION
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Compliance Strategy When was the last time you reviewed your compliance strategy? If you offer employee benefits, you’ve always needed a compliance strategy, but the introduction of PPACA has forced healthcare benefits into the spot light. Employers and employees are paying closer attention to benefits than they ever have. And, so is the Department of Labor. The DOL has significantly increased its staff and budget to conduct compliance audits. Audits can be triggered by complaints from plan participants, a referral from another agency, or red flags in annual plan filings.
Who is preparing you for a DOL audit or assisting you with other potential areas of risk like:
HIPAA ERISA COBRA FMLA EMPLOYEE HANDBOOKS
PERSONNEL FILES FORM 5500 FILINGS FEDERAL NOTICES AND MORE!
44North has six compliance advisors!
In 2011, the DOL hired 1,000 new employees. As a result, the EBSA has collected:
2013: $1.6 Billion in monetary penalties from 3,677 investigations 2014: $599.7 Million in monetary penalties from 3,928 investigations 2015: $696.3 Million in monetary penalties from 2,441 investigations
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EDUCATION & CONSUMERISM
Talk to a doctor anytime, anywhere for FREE!
Telemedicine
$0 Copay Receive quality care via phone or online video Prompt treatment, average call back in 16 minutes Network of Doctors that can treat children of any age Secure, personal and portable electronic health record (EHR) Divert spending from your group medical plan Get the care you need for cold & flu symptoms, allergies, bronchitis, skin problems respiratory infections, sinus problems, and much more! SHARE WITH YOUR PCP: Teladoc is happy to provide information to your primary care physician with your consent.
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Why do we know the cost of appliances, furniture, and groceries, but not medications, medical tests and procedures? Pricing Transparency While more carriers advertise online tools to compare prices, many providers don’t post their prices on carrier sites. In addition to accurate price comparisons, 44North drives utilization through:
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Expert onsite consumerism education No cumbersome websites to navigate Real-time costs, not estimates or ranges Open enrollment education Quarterly reporting and utilization management
Knee Replacement
Hip Replacement
Facility
Location
Cost
Facility
Location
Cost
$29,696 $65,774 $38,026
$43,130 $35,000 $18,000
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Green Bay Milwaukee Green Bay Milwaukee
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Marquette
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C B D
Laurium Escanaba Iron Mountain
$35,000
$86,292
A hip replacement in Marquette costs over twice as much as one in Escanaba. A 90 minute drive can result in savings of $25,130!
A fifteen minute drive could save you $20,518, but we’d say the two hour drive is well worth the savings of $56,596!
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No one can predict an emergency, and no emergency should have to wait. It’s important for a consultant to be there when you need help. With 44North, our 24/7 customer service is designed to meet the needs of today’s customer. With both online and telephone service, you choose how we can best help you. 24/7 Patient Advocacy
HIPAA Certified Medical coding experts on call to help you: Navigate healthcare bills Understand EOB’s Sort out your pharmacy charges Act as your advocate, between provider and insurance company Unlimited calls for you and your family No cost
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over $10 million saved in 9 years!
See our 24/7 Patient Advocacy in action!
An insurance carrier denied a member’s out of state medical emergency claim. 44North worked directly with the insurance company on claims submission and follow- up over a 3-month period. The claim was approved and paid 100%
A 44North member’s claim was denied due to mistakenly being marked as out-of network. 44North worked directly with the insurance carrier’s customer service to reprocess the claim and submission of additional information. The claim was approved and paid 100%.
Total Savings: $13,360 For member and employer
Total Savings: $33,750 For member and employer
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Wellness
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D I D YOU KNOW???
On average, annual costs are higher for these individuals:
Depression Obesity Smoking High Cholesterol High Blood Pressure
$343
$370
$1,623
$2,500
$3,000
YOUR EMPLOYEES ARE YOUR MOST VALUABLE RESOURCE. WHEN THEY ARE HEALTHY, YOUR BOTTOM LINE WILL BE HEALTHY. • Reduced absenteeism & presenteeism • Controlled increases in healthcare costs • Improved productivity • Reduced Injuries • Improved employee morale and retention • Showed a 3 to 1 ROI for wellness directed efforts!
Productivity losses related to personal and family health problems cost US employers $225.8 billion annually.
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TPA SUITE & SERVICES Bringing the entire administration of your group benefits under our third
party administration allows you greater flexibility in designing a benefits strategy that fits your business. 44North can meet your basic benefit needs, but also can offer a comprehensive list of services and products that you may or may not need. We’ll help you figure out what works for you.
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Benefits don’t have to be complicated
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The Laundry List Group Employee Benefits: 24/7 Emergency Customer Support ACA Hours Tracking ACA Modeler ACA Tracking and Reporting: 1094 & 1095-C Alternative funding analysis Carrier Claims Audit Carve-out reduction strategies Claims advocacy and appeal management call center Claims audits COBRA - Advice, Notices, processing of elections, billing and payments Communicate with carriers, providers and collection agencies Compliance Dashboard - Online self-serve Contract/Document review Customized Enrollment packets Customized human resources staff training Dedicated claims support Diagnosis and prognosis trending Documenting issues from initial notification through resolution in our tracking system Early Retiree Reinsurance Program (ERRP) Employee meeting for claims advocacy, pharmacy, wellness and/or voluntary benefits ERISA Exclusive carrier claims representative support Flexible Spending Accounts - Medical and Dependent Care Health Reimbursement Arrangement HIPAA - Best practices, policies and procedures HR Compliance Consulting HRIS and carrier online enrollment processing Managing Enrollment Medicare Notices - Manage, review and audit Notices of Credible Coverage Online claims support Online enrollment On-site 44North professional administrative visits Partnership leveraging options Peer Benefit benchmarking analysis by industry, group size, location and union Plan Review and benefit analysis PPACA - investigate, clarify and implement 17
Premium Only Plan Prepaid Smart Cards Pricing Transparency
Quarterly plan performance reviews RFP development/bid solicitation RX Generic Discount Optimization Self-funded customized support and reporting tools Smart applications
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Strategic, active managing and planning on long-term strategies and future goals (Blue Print) Summary Plan Description (SPD) Tax code benefit analysis Wellness Services and Educational Materials
Voluntary Policies: Accident Critical Illness Life Long Term Disability
Short Disability Telemedicine
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Over 500 years of combined group benefit knowledge
MISHRM vested resource partner
2016 Michigan Governor’s fitness healthy workplace award winner
Nationally recognized as 101 Best & Brightest Companies
West Michigan’s 101 Best & Brightest Companies Nationally nominated as the top privately owned employee benefits firm (2015 & 2016)
As seen in:
44 North was featured in the GRBJ about our cutting edge pricing transparency product. We were featured a second time as the 3rd largest health benefits firm in Michigan!
44 North is the healthcare industry go-to for knowledge, expertise and business application know how.
44 North was featured in the Record Eagle for saving a large traverse city organization over $1 million in annual spending, relieving budget concern and saving jobs.
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100 employees 8 locations
Marquette
Traverse City
Cadillac
Saginaw
Muskegon
Rockford
Grandville
Zeeland
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www.44n.com
Leading The HealthE Revolution
© 44north | Spring 2018
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