5 Target your low hanging fruit. Where is the easiest place to start? Tribal SponsorshipTribes, tribal organizations, and urban Indian organizations are permitted to pay premiums on behalf of eligible individuals.Medicare Part B (Reimbursement)Medicare Part CMedicare Part DQualified Health PlansTarget your low hanging fruit. Where is the easiest place to start?
6 Tribal Sponsorship Medicare Part D Successful sponsorship program informed us how worth while sponsorship is.In 2013, every $1 Fond du Lac spent on Medicare Part D premiums, there was over a $6 return.Includes some self pay. Revenues were all med part d – money spent on premiums was lower than actual premium cost.
7 Implementation Policy & Procedures You must establish and operate under policies that have been approved by Tribal Council.Contract Health Policy & ProceduresRegistration Policy & ProceduresPatient Advocate Policy & ProceduresTribal Sponsorship Policy & ProceduresEvery TC is different. Some may be anxious for you to get policy in writing, some may be sluggish. Only you know how to work with your TC. If you don’t have it written down, you shouldn’t be doing it. There are too many factors to not have it in writing. The more you understand, the better off you are.
8 ImplementationDevelop gates to access services that include enrollment activities.Educate staff and establish uniformity of application of the policy.Gather, assess, and troubleshoot specific real-life examples during team meetings.
9 Patient Meets With Patient Advocate Enrollment ProcessPatient Sees ProviderPatient Meets With Patient AdvocatePatient RegistersPatient ArrivesPatient FlowEligibility for Medicaid, MNCare (BHP), Medicare, and QHP’s is checkedDemographics are updatedUninsured individuals referred to Patient AdvocateAll uninsured patients are referred to a Patient Advocate for insurance eligibility check.
10 Enrollment Process Contract Health Services Because CHS is a payer of last resort, clients must apply for other alternative resources available to them.Process to get through the “gate” for CHS coverage:All CHS eligible individuals who are uninsured must complete the MNsure application process to determine eligibility for Medicaid, MNCare, or Tribal Sponsorship.Eligible individuals must accept Tribal Sponsorship, which is of no cost to them or their family.Descendents must complete the MNsure application process during the open enrollment period.Hardest process is to put gates in place. Success depends on the strength of the person enforcing gates and processes. Perception and language you use is key.
11 Contract Health Services Waiver Enrollment ProcessContract Health Services Waiver“By declining premium sponsorship by FDLTC, which is of no cost to me or my family, I understand that I am denying an alternative resource and will be waiving my rights to CHS funds until I have secured another form of health care coverage.”We are on their side, everyone wins when we are on the same team.
12 Evaluate & Redesign Monitor Progress Be prepared to adjust your focus. Target your enrollment processes and adjust rules for payer groups.Enforce flexibility with staff assignments.#3 – everyone should be responsible for everything, not only single parts of processes.
13 MarketingLiterature Make literature your own. Use your own photos and information.Newspapers, Lobby TV’s, radio station, social media.
14 MarketingPatient AdvocatesEducate clients and evaluate eligibility for Medicare, Medicaid, MinnesotaCare, MNsure and other employer/private insurance programs.Staff Expertise:Familiar with all rules.Relationally Rich Environment:One-on-one counseling.Community member staff.Plenty of time to talk.Familiar with cultural sentimentsExplains community benefits.Real marketing comes with face-to-face environment.
15 MarketingEducating Clients Why should IHS eligible individuals have health insurance? Although IHS makes a substantial contribution to the overall health of American Indians and Alaska Natives, in most Indian communities, the level of funding does not meet the need. Tribes must generate other sources of income.Why squander tribal resources when state or federal government will pay?
16 Patient Advocate Referrals MarketingPatient Advocate ReferralsPatient AdvocateMedical Department ReferralsDental Department ReferralsPharmacy Department ReferralsContract Health ReferralsRegistration ReferralsElectronic Health Records Reports
17 Building Business Office Capacity Third Party BillingExperienceCompetenceMeasures of CompetenceAdministrationBudgetingMonitoringManaging ContractsCredentialing
18 Contract Health Savings Medicare Like RatesThird Party AdministratorComprehensive Care Services (CCStpa)Blue Cross Blue Shield Discounts of 20-40%CHS pays discounted amount plus 22% of savings.Example:$1,000 bill – 40% discount = $600CHS pays CCStpa $ % of savings = $688
19 Contract Health Savings Medicare Like RatesThird Party AdministratorComprehensive Care Services (CCStpa)Medicare Like Rate Discounts of 30-40%CHS pays discounted amount plus per claim fee of $9.50.Example:$1,000 bill – 40% discount = $600CHS pays CCStpa $600 + $9.50 fee = $609.50All services have different discounts.
20 Contract Health Savings Medicare Like Rates Savings 2012BCBS Discounts$375,488 Billed to CHS$248,853 Paid by CHSSavings of $126,635MLR Discounts$563,369 Billed to CHS$172,221 Paid by CHSSavings of $391,148Total Savings of $517,783A
21 Tribal Readiness Checklist Key OpportunitiesPlan approaches to target activities, and ask yourself “where are your biggest opportunities?”Study PopulationsUse data from your electronic health record and the U.S. Census.Tribal SponsorshipMedicare and/or Qualified Health Plans.ImplementationEstablish policy and procedures, develop gates to access services, educate staff, and troubleshoot examples.Evaluate and RedesignMonitor progress, target enrollment processes, and enforce flexibility with staff assignments.MarketingHire Patient Advocates, create a referral process, use your own literature for materials, and educate patients.Building Business Office CapacityHave an experienced and competent billing department, and have processes in place for Administration to monitor.Contract Health ServicesCreate policy and procedures, and take advantage of Medicare Like Rates