Hello Health Rosetta Advisors!

We are excited to get your input about, and assessment of, the capabilities and competencies of you and your team. Your insights are invaluable to us, as the results will help shape our priorities for the development of educational materials and supporting tools tailored to your needs. By sharing your expertise and experiences, you will play a crucial role in enhancing the resources available to you and your peers.

Please note: All answers will be utilized only by the Health Rosetta team for the development of resources and will not be shared with others.

Thank you for your time and contribution to this initiative! Your feedback is greatly appreciated and will make a significant impact on our collective success.

Full Name(Required)

Advisor Journeys Assessment

The answers of this assessment will be used to develop tools and resources for Health Rosetta Advisors. The answers are not used as a part of your renewal requirements and are completely confidential. Please provided candid feedback.

As an advisor, rank your strengths from strongest to weakest.

Strategy – delivering valuable insights and initiatives that solve client problems.
Analytics – understanding the complex data behind utilization and ability to glean insights from data.
Problem solving – ability to tackle complicated issues and formulate solutions, then act on those solutions.
Communications – finding ways to describe and break down concepts and strategies in an a way that others
understand.
Compliance – comfort level regarding the intricate rules on a federal and state level that impact plan design and
management.
Project management – the planning, implementation, and day to day support of plan management.

How comfortable do you feel implementing each of these Health Rosetta plan components? Refer to definitions below as needed.(Required)

	I am unfamiliar	Not Confident	Somewhat Confident	Very Confident	I use an external resource when discussing this topic
Second Opinion Programs
Open Networks
Level Funding
Self-Funding
Captive Arrangements
Direct Primary Care
Direct Contracting
Carved Out Pharmacy Programs
International Drug Sourcing
Onsite Pharmacy Solutions
Patient Assistance Programs
Independent Third-Party Administrators
Independent Prescription Benefits Managers

** Definitions available below this form.

In your own words, how do you determine which vendor(s) to recommend?

What tools do you and your team use to plan and manage a groups implementation and renewal cycle?(Required)

Are there any other resources or tools you and your team use to plan and manage a groups implementation and renewal cycle not mentioned above?

I feel totally confident and knowledgeable when describing the following concepts to a prospective or current client?(Required)

	Strongly disagree	Disagree	Neutral	Agree	Strongly agree
Plan design components like deductibles, out of pocket maximum, etc.
Funding methodologies like self-funding and level funding.
Plan terms like HSA, FSA, and HSA
Plan types such as PPO, HMO, HDHP
Financial components like ISL, run in, and laser

Which of the following, if any, do you provide during the decision making process for your prospects or clients?(Required)

	I develop & present	My vendor(s) develop & present	An internal resource (such as my team) develops & presents	Not regularly provided
Plan design comparison
Plan cost comparison
Contribution modeling
Plan cost/design benchmarking
Plan migration analysis (cost impact of employees electing different plans)
Plan design alternatives
Member impact/member journey materials
Plan underwriting methodology
Information to determine risk tolarance

Are there any other resources you provide that you share?

How do you handle the compliance requirements of your clients?(Required)

I am not involved

I personally support them

I have an internal support person on my team

I use a third party advisor

I use a third-party tool or resource

On which of the following compliance components do you guide and assist your clients on to ensure adherence?(Required)

State and Local Laws

IRS Regulations (Discrimination testing, FSA/HSA, etc.)

CAA Regulations (RxDC, NSA, etc.)

COBRA/HIPAA

ACA (Form filing; PCORI; PHSA; SBC; W2; Shared Responsibility, etc.)

Required Disclosures (CMS, model notices, etc.)

How do you determine whether an implemented program succeeds?(Required)

Rely on vendor/solution provided reporting

Use third party analytical reporting

Internally review data based on understood measurable metrics of success

What standard reporting do you provide to self-funded clients?(Required)

For your self-funded clients, who reviews your client's plan documents?(Required)

Plan Sponsor’s legal team

Health Rosetta

Non-attorney consultant

Internal/External attorney

N/A

Which of the following tools do you or your agency provide to clients independently of a TPA?(Required)

Full HRIS/BenAdmin portal

Online enrollment-only tool

Mobile benefits app

Member concierge/advocate

None of the above

Do you develop multi-year plan strategies for your clients?(Required)

Yes

Once you submit you’ll be sent to the HR platform to complete the rest of the renewal.

Definitions

Second Opinion Programs: Allow members to seek a second medical opinion from a specialist, often through a virtual consultation. This can help ensure the accuracy of a diagnosis and explore alternative treatment options, potentially leading to better health outcomes and cost savings for both the employee and employer.
Open Networks: In healthcare, open networks refer to health plans that allow employees to see any healthcare provider without requiring a referral.
Level Funding: This is a type of health plan where the employer pays a fixed monthly amount to cover healthcare claims. If the actual claims are lower than expected, the employer may receive a refund at the end of the year.
Self-Funding: In a self-funded health plan, the employer assumes the financial risk of providing healthcare benefits to employees. Instead of paying premiums to an insurance company, the employer pays for medical claims directly.
Captive Benefits Arrangements: These involve using a captive insurance company, can be used to fund health benefits, providing smaller employers with the advantages of self-funding while sharing risk with other employers in the captive.
Direct Primary Care (DPC): A healthcare model where employers contract directly with primary care providers to offer services to employees for a flat monthly fee.
Direct Contracting: This involves employers contracting directly with healthcare providers, such as hospitals or physician groups, to provide medical services to employees without working through a traditional network.
Carved Out Pharmacy Benefits: This refers to a strategy where the pharmacy benefits are managed separately from the medical benefits. Employers contract directly with a pharmacy benefit manager (PBM) instead of including pharmacy benefits in the overall health insurance plan.
International Drug Sourcing: This involves obtaining prescription medications from other countries where they may be available at lower prices. Employers may use vendors that facilitate the purchase and importation of these drugs to reduce costs for their health plans.
Onsite Pharmacy Solutions: These are pharmacies located within the workplace, providing employees with convenient access to prescription medications and other pharmacy services.
Patient Assistance Programs: Employers may leverage these and similar programs to help employees afford high-cost specialty drugs, thereby reducing the financial burden on both the employees and the employer-sponsored health plan.

	Used	Not Used
Reliance on a third party administrator or carrier
Industry knowledge and experience
Internally developed checklists or spreadsheets
Third party planning software
Health Rosetta’s platform

	I develop internally	My team develops internally	Carriers or vendors develop	Not provided
Regular utilization or loss ratio reporting
Recurring high cost claimant data
IBNR Reporting