Category: Employee Benefits
Watch CEO Present on “Excess Mortality: A Peek Under the Iceberg”
Watch a replay of the Insurance Collaboration to Save Lives (ICSL) presentation on “Excess Mortality: A Peek Under the Iceberg” in which our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS participated. Steve discusses possible causes leading to an increase in mortality and morbidity post COVID-19, how we can use proactive health risk mitigation to respond, and what the returns may look like.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Humaculture, Inc.
- Josh Stirling, Founder of Insurance Collaboration to Save Lives, Insurtech Advisor, Board Director and Former #1 Ranked Insurance Analyst
- Valerie Chezem, ASA, MAAA, Assistant Actuary, Everence®
- Mary Pat Campbell, FSA, MAAA, Vice President, Insurance Research, Conning
- Teresa Winer, FSA, MAAA, Actuary, Office of Insurance and Fire Safety Commissioner, Georgia
Objective
At the ICSL, dozens of industry executives have been developing a plan to help insurers proactively address the tragedy of on-going 20% increased mortality since 2020. Excess mortality and morbidity is a problem for our industry, and society. The ICSL brings together insurers to work together to solve it. Learn more about the impact we can make in the video. Steve Cyboran presents at 27:31.
Key Takeaways
- Through May of 2023 US mortality continues to be 20% high for ages 15 through 45
- There are underlying health conditions leading to excess mortality
- Insurers and employers can have impact that makes financial sense
- There are innovative ways to improve financial results
Presentation
Watch the presentation:
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Insurance Collaboration to Save Lives (ICSL): Upcoming Actuarial Presentations
Watch our CEO, Steve Cyboran, present at the following events.
Description: Excess Mortality – A Peek Under the Iceberg
Everyone is attentively watching the current excess mortality and morbidity crisis unfolding. We think it’s just the tip of the iceberg. Join our cross-industry team as we share a proprietary analysis of U.S. and global public health data digging into the underlying problems. Discover the iceberg of health problems underlying the elevated death and disability we see playing out in the bottom line. Can anything be done to slow this train? Risk mitigation strategies for insurers will be explored, with an invitation for participants to exchange ideas within the group. This will be a combination of presentation, panel, and Q&A discussion with multiple presenters including actuaries and other industry experts.
By the end of these sessions, attendees will understand:
- An up-to-date perspective on the current excess mortality and morbidity crisis
- Insight into the myriad of underlying health conditions
- Innovative ideas to improve financial results
Country Relevance: Non-Nation Specific
Experience Level: All levels
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Humaculture, Inc.
- Josh Stirling, Founder of Insurance Collaboration to Save Lives, Insurtech Advisor, Board Director and Former #1 Ranked Insurance Analyst
- Valerie Chezem, ASA, MAAA, Assistant Actuary, Everence®
- Mary Pat Campbell, FSA, MAAA, Vice President, Insurance Research, Conning
- Teresa Winer, FSA, MAAA, Actuary, Office of Insurance and Fire Safety Commissioner, Georgia
August 23 11-12:15 EDT: SOA Life Meeting
- Venue: New Orleans Marriott, 555 Canal St New Orleans, LA 70130-2349
- Conference Page: https://www.soa.org/prof-dev/events/2023-life-meeting/
- Agenda: https://www.soa.org/prof-dev/events/2023-life-meeting/#tab-agenda-selected
September 11 10:30-11:30 EDT: Society of Insurance Research
- Venue: The Westin Cincinnati, Cincinnati, OH
- Conference Page: https://www.sirnet.org/ConferencePage
- Agenda: https://www.sirnet.org/Agenda
September 14 2-3 EDT: SOA Life Meeting Virtual Event
- Location: Online
- Conference Page: https://www.soa.org/prof-dev/events/2023-virtual-life-meeting/#overview-selected
- Agenda: https://www.soa.org/prof-dev/events/2023-virtual-life-meeting/#tab-agenda-selected
October 25 10-11 AM EDT: 2023 SOA ImpACT Conference
- Venue: Indiana Convention Center, 100 S Capitol Ave Indianapolis, IN 46225
- Conference Page: https://www.soa.org/prof-dev/events/2023-annual-meeting-exhibit/
- Agenda: https://www.soa.org/prof-dev/events/2023-annual-meeting-exhibit/#tab-agenda-selected
November 7 12:30-1:30 PM EST: 2023 SOA ImpACT Conference Virtual
- Venue: Online
- Conference Page: https://www.soa.org/prof-dev/events/2023-virtual-impact-conference/
- Agenda: https://www.soa.org/prof-dev/events/2023-virtual-impact-conference/#tab-agenda-selected
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Houston Business Coalition on Health Conference Presents The Value of Alternative Medical Facility Healthcare
Join the Houston Business Coalition on Health (HBCH) for its annual meeting where HBCH will be outlining the value of alternative medical facility healthcare. Our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS will be facilitating a session during the meeting.
Panel topics include:
- Independent Primary Care Clinics
- Onsite / Near Site Clinics
- Retail Clinics
- Ambulatory Surgical Centers
- Free Standing Imaging Centers
- Free Standing Specialty Infusion Centers
- Community Oncology Clinics
- Home Health Care
- Digital / Telemedicine
Event Info
Breakfast and Lunch: Included
Time: August 24, 2023 7:00 AM – 7:00 PM (CDT)
Location: 6500 Main St, Houston, TX, 77030, United States (Rice University – Bioscience Research Collaborative Building)
HBCH Employer Member: $50
Employer Non-Member: $75
HBCH Associate Member: $100
Associate Non-Member: $350
Event Link: https://coalition.houstonbch.org/ap/Events/Register/MrD6wGoP
LinkedIn: https://www.linkedin.com/company/houston-business-coalition-on-health/
Houston Business Coalition on Health Presents Houston Smart Network
Join the Houston Business Coalition on Health for this employer-only event (consultants may come with their client) where HBCH will be outlining the concept, timeline, and benefits for participating in the Houston Smart Network. Our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS will presenting during the meeting.
Lunch will be served!
HBCH is on the cusp of developing a Houston-based alternative to your regular health plan that provides more for less. HBCH will highlight Smart Network benefits, including better health outcomes, less cost for you and your employees, and an integrated, simple employee experience.
This interactive discussion will include:
- The urgent need for a Smart Network in Houston
- Overview of the Smart Network – a different but proven type of benefits option
- Smart Network Design Elements
- Actuarial Analysis of the Smart Network
- Local and National Provider Assessments
- How to Get Started
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Chief Behavioral Officer, Humaculture, Inc.
- Chris Skisak, PhD, Executive Director, HBCH
- Dan Burke, VP Corporate Benefits, Turner Industries Group, LLC
- Sue Prochazka, Benefits Consultant, HBCH
- Josh Berlin, CEO, rule of three
- Ken Janda, CEO, Wild Blue Health Solutions
- Daniel Crowe, MD, Wild Blue Health Solutions
- Juliet Breeze, MD, CEO, Next Level Medical
- Cheryl DeMars, President & CEO, The Alliance
Objective
Explain the benefits of the Houston Smart Network, understand employer interests, including willingness to support financially, and learn about new Texas legislation that will be gamechanger for employers. Interested employers can contribute to the development of the Houston Smart Network, and each dollar may be matched by two major philanthropic organizations.
Event Info
Fee: Free!
Lunch: Included
Time: Tuesday, June 6, 2023 12:00 PM – 4:00 PM (CDT)
Location: 50 Waugh Drive, Houston, 77007 (United Way of Greater Houston)
Event Link: https://houstonbch.org/smart-network-overview/
Watch CEO Present on Insurance Collaboration to Save Lives
Watch a replay of the Insurance Collaboration to Save Lives (ICSL) Executive Briefing, in which our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS participated. Steve discusses how small investments can yield significant returns. Not only does preventive medical screening in this collaborative need to achieve outcomes, but it also needs to make economic sense. Return on investment can be increased by decreasing screening costs, increasing the effectiveness of screening, and targeting larger policies first.
Presenters
- Josh Stirling, Founder of Insurance Collaboration to Save Lives, Insurtech Advisor, Board Director and Former #1 Ranked Insurance Analyst
- Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Chief Behavioral Officer, Humaculture, Inc.
- Sven Lohse, Principal, Research at Canton & Company
Objective
At the ICSL, dozens of industry executives have been developing a plan to help insurers proactively address the tragedy of rising mortality and morbidity. Excess mortality and morbidity is a problem for our industry, and society. The ICSL is bringing together insurers to work together to solve it. Find out the impact we can make from Steve Cyboran in this presentation on slides 33-36 and at 32:46 in the video.
Presentation
You can access the slides below.
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Watch CEO’s Presentation on Strategies to Reduce Total Cost of Care
Watch a replay of our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS, present at the Houston Business Coalition on Health on How to Reduce Total Cost of Care Through Organizational Culture. Joining him as a presenter is Ray Fabius, MD, Co-Founder and President of HealthNEXT.
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Strategies to Reduce Total Cost of Care, in Search of the Holy Grail
Come see our presentation at the Houston Business Coalition on Health (HBCH) conference on Thursday, December 8 for Strategies to Reduce Total Cost of Care, in Search of the Holy Grail.
See Our CEO Present at HBCH
Presenter: Steve Cyboran, ASA, MAAA, FCA, CEBS, Humaculture, Inc. CEO presents with Ray Fabius, MD, Co-Founder and President of HealthNEXT
Fee: Free for employers not in health services (use link below)
Time: Thu, Dec 8, 2022, 1:00 PM – 1:50 PM CST
Topic: TCoC Reduction Through Organizational Culture
Location: 6100 Main St, 77005 (Rice University Bioscience Research Collaborative)
Webinar Replay: Pest Management, Minimizing Plan Losses through Fee Disclosure
Watch a replay of the fifth webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on how to use fee disclosure to leverage behavioral design, seek strategic advisors, and optimize plan efficiency.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant
- Wes Rogers, Humaculturist® and strategy consultant
- Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant
Objective
Beyond basic compliance, this series addresses how to strategically leverage the No Surprises Act and Transparency in Coverage to create a competitive advantage for both the employer and employees. This session focuses on how leveraging Fee Disclosure as a means of “Pest Management” to leverage behavioral design to align interests with your advisors to take a strategic approach and identify conflicts of interest and inferior value in services provided.
Fee Disclosure Key Takeaways
During this session, participants will learn that:
- It seems Congress doesn’t believe group health plan fiduciaries are knowledgeable about fees
- This may be a first step to shine light on fee reasonableness, conflicts of interest
- While the plan fiduciary remains responsible, advisors are put on notice to disclose
- Mere compliance ignores the opportunity to cultivate the organizational soil
- Leveraging Fee Disclosure as a means of “Pest Management” can:
- Identify conflicts of interest and inferior value in services provided
- Avoid advisors who haven’t already fully disclosed their compensation
- Seek advisors who take a strategic approach, cultivate your organizational soil
- Employ behavioral design to align interests
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the strategy and compliance process. Please contact us: [email protected].
Watch
Watch the Hidden Opportunities: Pest Management, Minimizing Plan Losses through Fee Disclosure Webinar Replay below, or via Rumble or YouTube.
Webinar Replay: Mental Health Parity…A Lucid Approach
Watch a replay of the fourth webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on why mental health issues, costs, and administration continue to increase despite Mental Health Parity efforts and how to effectively respond.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant
- Wes Rogers, Humaculturist® and strategy consultant
- Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant
Objective
Beyond basic compliance, this series addresses how to strategically leverage the No Surprises Act and Transparency in Coverage to create a competitive advantage for both the employer and employees. This session focuses on how investing in the organizational soil is “A Lucid Approach” and an example of a strategic action to build organizational resilience and mental fitness by leveraging the purpose, alignment, and health of the organization.
Mental Health Parity Key Takeaways
During this session, participants will learn:
- Mental Health Parity in health benefits has not reduced mental health issues
- In fact, mental health issues continue to increase despite efforts to equalize benefits
- Mere CAA compliance will increase costs and administration
- How investing in the soil is “A Lucid Approach” and an example of a strategic action to:
- Avoid what can be avoided
- Leverage the purpose, alignment, and health of the organization
- Build organizational resilience and mental fitness
- Communicate all negatives as the result of compliance
- Leverage behavioral design to achieve meaningful impact
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us: [email protected].
Watch
Watch the Hidden Opportunities: Preserving the Harvest…Leveraging HSAs Webinar Replay below, or via Rumble or YouTube.
Hidden Opportunities: Mental Health Parity…A Lucid Approach
Join us on Thursday, April 21 from 12:00 to 12:30 CST for the fourth webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, to learn why mental health issues, costs, and administration continue to increase despite Mental Health Parity efforts and how to effectively respond.
Presenters
- Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant
- Wes Rogers, Humaculturist® and strategy consultant
- Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant
Objective
Beyond basic compliance, this series addresses how to strategically leverage the No Surprises Act and Transparency in Coverage to create a competitive advantage for both the employer and employees. In this session we will include a focus on how investing in the organizational soil is “A Lucid Approach” and an example of a strategic action to build organizational resilience and mental fitness by leveraging the purpose, alignment, and health of the organization.
Mental Health Parity Key Takeaways
During this session, participants will learn:
- Mental Health Parity in health benefits has not reduced mental health issues
- In fact, mental health issues continue to increase despite efforts to equalize benefits
- Mere CAA compliance will increase costs and administration
- How investing in the soil is “A Lucid Approach” and an example of a strategic action to:
- Avoid what can be avoided
- Leverage the purpose, alignment, and health of the organization
- Build organizational resilience and mental fitness
- Communicate all negatives as the result of compliance
- Leverage behavioral design to achieve meaningful impact
