The ACA and Exchanges: Becker s Hospital Review. A Catalyst for Change and Emerging Liability Issues
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1 The ACA and Exchanges: Becker s Hospital Review A Catalyst for Change and Emerging Liability Issues WAMSS Lake Chelan Waterfront Resort Phil Dyer, Senior Vice President Healthcare Management Services Kibble & Prentice/USI
2 The U.S. Healthcare Industry Currently under enormous financial strain and demographic pressure, healthcare will have to reinvent itself over the next few decades. National Health Expenditures (Billions USD) 3,000 2,500 2,000 1,500 1, National Health Expenditure as Share of GDP (Percent) In 2012: $2.8 Trillion dollars $8,937 per person By 2020: $13,709 per person (projected) SOURCE: Centers for Medicare & Medicaid Services, Office of the Actuary, National Health Statistics Group 2
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4 ARRA HITECH The first step to major changes American Recovery and Reinvestment Act (ARRA) including the Health Information Technology for Economic and Clinical Health Act (HITECH) Signed into Law February 17, 2009
5 Patient Protection and Affordable Care Act (PPACA) Signed into law March 23, 2010
6 Unprecedented Change: Drivers of Fundamental Disruption in Healthcare Delivery Systems and Payment Methodologies Medicaid Federal Rules on Health Insurance Medicare Fundamental Disruption Health Insurance Exchanges
7 The Pace of Change Network Changes/ Budget Impacts (Federal/State) 1 year, recurring annually Reimbursement Reform 10 years Cultural Transformation of Institutions 30 years
8 The current calm in healthcare professional liability An unprecedented period of stability in the low frequency of claims and a steady, predictable severity trend, coupled with record levels of financial capacity. Medical Malpractice Industry Combined Ratio 154% 130% 134% 142% 137% 100% 107% 108% 116% 112% 96% 91% 84% 83% 78% 81%
9 Percentages of Practices Owned by 80% 70% 60% 50% 40% 30% 20% 10% % MGMA DATA Doctors Hospitals Source; Medical Group Management Association
10 ACO s New or Old? Integrated Delivery System PHO (Physician Hospital Organization) or more? No standardized model in the private sector for care coordination (Merritt Hawkins) :By 2013, only 30% of physicians will be independent
11 Now add; EXCHANGES Additional million people in the system Some states have their own, others default to the Feds Increased pricing of healthcare in individual and small group markets (bigger increases for younger enrollees Community Rating) Enrollees with skin in the game greater point of service cost sharing No provider pricing transparency (missed expectations) Narrow Networks Lack of Health Literacy (of the H/C system, of Insurance) languages and cultural barriers
12 Source: Deloitte
13 The Current Marketplace MARKET % Employer Direct Purchase Medicaid Medicare Military Uninsured 4% 13% 14% 47% 14% 8%
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15 The Metallics 60/40 70/30 80/20 90/10 Bronze Silver Gold Platinum Four Levels of Benefits
16 Subsidies in the Exchanges under the ACA Household Size 100% 133% 150% 200% 300% 400% 1 $11,170 $14,856 $16,755 $22,340 $33,510 $44, ,130 20,123 22,695 30,260 45,390 60, ,090 25,390 28,635 38,180 57,270 76, ,050 30,657 34,575 46,100 69,150 92, ,010 35,923 40,515 54,020 81, , ,970 41,190 46,455 61,940 92, , ,930 46,457 52,395 69, , , ,890 51,724 58,335 77, , ,560 For each additional person, add $3,960 $5,267 $5,940 $7,920 $11,880 $15,840
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20 No One Ever Washes A Rental Car
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22 Pressures on Providers Legal & Business Complexity Dramatic increases Demand grows unabated Reimbursements and Overall Medical Spending Providers Emphasis on Margins, Costs & Resource Allocations Moving away from patient care as top priority Uninsured Patients Growing population adding to financial and system stress
23 Reform Stressors Drinking out of a Firehose Undiminished demand for specialists and no one on call Not enough doctors, expanded mid-levels Resource constraints Absence of tort reform
24 EHRs Compliance (HIPAA-HITECH), RAC/ZPIC, MetaData ACO: CMS & Private Providers become Payors? Payors become Providers? HC Reform Value Based Purchasing MCO Liabilities Evidence- Based Medicine Scope of Practice Patients as Consumers? Missed Expectations? Anti-Trust Stark
25 Driving the Value Proposition Providers are focused on moving from volume to value, which means more integration along the care continuum. High Impact on Value Managed Care Shared Risk Specialty Co-management Bundled Payments Medical Home Clinical Integration Accountable Care Integrated Delivery Network/ Health Plan Low Center of Excellence/ Specialty Institutes Limited Integration 25 Full
26 Exposures associated with ACO and Integrated Delivery Systems activities and services may outweigh traditional insurance coverage
27 P/P/P Patient Provider Payment
28 ROLE PLAY? Providers Becoming Payors Payors Becoming Providers
29 It s Happening! Some hospital networks also become insurers By Roni Caryn Rabin Kaiser Health News, August 25, 2012
30 Hospitals Plot the End of Insurance Companies
31 Follow the Money! Aetna acquires Coventry Health Wellpoint buys Amerigroup Cigna buys Wellspring United buys Monarch Health $5.6B $5.0B $3.8B $5.6B Highmark acquires West Penn Allegheny $470M
32 Increased Liability Issues New Standards of Care More Causes of Action Direct Liability ACO Vicarious Liabilities More Stringent Informed Consent Integration Challenges
33 Corporatization of Medicine Missed Expectations Anger Professional Liability Historic Claim Etiology Communication Resentment Will increased institutionalizing of medicine make patients feel more disconnected from their providers, and more willing to bring action against nameless, faceless corporations?
34 Exchange Value Specific Functions I. Issuers of QHPs Marketing & Outreach Eligibility Determination for tax credits Enrollment Premium Aggregation Customer Service Enrollment reconciliation with HHS New Membership opportunity previously uninsured II. Health Care Market Easy plan comparison and purchase of health insurance Reporting of cost/quality metrics Awareness of need for health insurance Supporting use of innovative product designs and payment methodologies Expanded access to health insurance coverage Reduced charity care III. Public and State Appeals of eligibility determinations and individual responsibility Information on health insurance carriers Trustworthy source of health care reform information Broad-based Public Information Other impacts of ACA 34
35 The Shifting Sands of Reimbursements
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41 Summary Fundamental Disruption Pace of Change Varies Exchanges as Catalysts for Change More Patients/Different Patients/Provider Shortage Reimbursement Pressures
42 Questions?
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