Health Insurance Exchanges - Real-Time Analyst Insights on HIX

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Given the importance of the changes from PPACA and the creation of the health insurance marketplaces, we are providing our online Frost.com blog on HIX in collected form. This discussion is brought to you by our Connected Health research program.

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Health Insurance Exchanges - Real-Time Analyst Insights on HIX

  1. 1. www.frost.com CONNECTED HEALTH Unique Skill Sets Needed to Run Government Health Insurance Exchanges (HIXs)..................................... 2 Capitol Hill Grills Administration Officials over ‘Data-Hub’ for HIX Deployment............................................. 2 HIX Questions Abound in New Hampshire........................................................................................................................... 3 Millions of Americans Expected to Enroll for Coverage Using HIX by 2022....................................................... 4 HIX Essential Health Benefits (EHB) Should have a National Standard.................................................................. 4 Vast Differences between States’ Readiness for HIX Go-Live Date.......................................................................... 5 Will Politics or the Movement forTransforming Healthcare in America Prevail in 2014?............................. 5 Less than 45 Days until HIX Debut.............................................................................................................................................. 6 19 States Running their Own HIXs Predict Higher Enrollment Numbers than HHS..................................... 6 NewYork State Going All-In Creating a Bona Fide Brand for its HIX...................................................................... 7 Innovation and SmartThinking Being Used in States Running their Own HIX................................................... 7 States Hinting that Actual Online Enrollment for Insurance Marketplaces Will Not Happen.................... 8 Senior Advisor to CMS Administrator:‘We’re Going to be Ready’ October 1.................................................. 8 Consumer Surveys Indicate HIX and ACA Knowledge Does Not Match Reported CMS Readiness.................................................................................................................................................................. 9 RAND Study Points to Lower HIX Premiums than Critics Predicted............................................................................ 10 Health Insurance Exchanges Real-Time Analyst Insights on HIX – August 2013 Vital Signs SEPTEMBER 10, 2013 Industry Focus connected health Patrick Riley, Senior Industry Analyst, Healthcare | Daniel Ruppar, Global Research Director­
  2. 2. 2 www.frost.com Given the importance of the changes from PPACA and the creation of the health insurance marketplaces, we are providing our online Frost.com blog on HIX in collected form for the month of August for ease of use by our subscription clients. This discussion is brought to you by our Connected Health research program. Please also follow our blog, part of the Healthcare Community on Frost.com. Twitter @Patrick_FrostHC View Patrick Riley’s blog View our Healthcare Community blog Unique Skill Sets Needed to Run Government Health Insurance Exchanges (HIXs) 01 Aug 2013 For a federally run HIX to be successful, it must compete in the same space as traditional insurance channels and beat them. This means whomever is in charge must be part Richard Branson (entrepreneur), part Donnie Deutch (marketing), and partWarren Buffet (business acumen). At the same time, they must also be prepared for relentless scrutiny of how he or she obligates public funds. Spend too much to attract new enrollees and FOX News will insist money is being squandered. Spend too little to win new enrollees and MSNBC will attack, saying management is inept. And this individual or team, let’s hope, must refrain from entering into a political debate, which is what every reporter who interviews them or writes about them will try to do. Well-run exchanges hold the potential to leverage buying power, achieve optimum efficiencies, and demonstrate the highest level of customer service. Ideally, these marketplaces, as the Obama administration likes to call them now, have the potential to add a new level of government service by assisting people who may never have known what it is like to have a doctor or health insurance at all. They can serve to identify eligibility and introduce government subsidies that will impact a family’s lifestyle like probably nothing before in their lives. Yet, if government-run health insurance marketplaces become too successful, they will cut into the revenue of insurance brokers who will, in turn, cry foul and contact their Congressional representatives demanding a leveling of the playing field. If, however, these brave young men and women, who are in for the fight of their lives against a mountain of challenges, can manage to overcome these obstacles, they will become pioneers in spreading healthcare coverage and stabilizing health insurance markets for years to come. Maybe. Capitol Hill Grills Administration Officials over ‘Data-Hub’ for HIX Deployment 02 Aug 2013 There were two hearings yesterday inWashington,one before theWays and Means Committee and the other in front of the Energy and Commerce Committee. At the latter session, CMS Administrator Marilyn Tavenner testified. Most of the Congressional interest and questions surrounded the so-called “Data Hub.”
  3. 3. 3 www.frost.com v i ta l s i g n s Tavenner described the data-hub as a “kind of router you probably have to hook up in your home.” Not exactly a very comprehensive explanation to ease concerns of lawmakers. In theory, the data-hub is supposed to connect online shoppers for health insurance with the IRS (validate income) and the social security administration (to check eligibility and/or enrollment in Medicare or Medicaid). This is obviously a Herculean task. Tavenner and IRS officials assured Congress that testing was ongoing, problems are immediately being addressed and all is well. Daniel Wefel of the IRS also indicated testing was ongoing and that he would share results of this work with Congress, as they asked to see data and test outcomes. Republicans and Democrats alike are very anxious to learn more about how the data-hub will verify income as subsidies will be made available. The fear is, without being able to validate a household income, fraud will be rampant and the subsidy bank account will get drained due to false claims. Both CMS and the IRS have promised, make that testified under oath, that everything will work come 1 October. We will see and continue to follow the data-hub trail. HIX Questions Abound in New Hampshire 12 Aug 2013 I recently spent a week in New Hampshire, the home of true democracy and town hall meetings. I attended such a meeting in Concord where the subject was health insurance exchanges. There was an overwhelming feeling of frustration and lack of information for attendees to digest and get answers. As the meeting drew on, specifics began to emerge and the reality of the night was that no one truly understands how and what health insurance will be made available to residents come 1 October of this year. There were multiple queries in regard to essential health benefits (EHB) and what coverage would be made available through the federally approved health insurance carriers. And many questions were centered on premiums for the four levels of coverage. New Hampshire borders Massachusetts and is very familiar with health insurance,but people here want information first-hand. Nothing, including politics and healthcare, is accepted at face value. Granite State people like to look candidates and federal programs in the eye, ask questions, and get answers. Unfortunately, on this cool August evening, many more questions arose rather than being answered. I was able to see people, good people, become angry and disenfranchised. We only have six weeks until the HIXs go live and much needs to be explained, digested, and then acted upon. As this crowd ushered out, materials handed out at the onset of the meeting were stuffed into trash receptacles rather than taken home. A typically bad omen for aspiring presidential candidates,and perhaps equally as ominous for the Affordable Care Act.
  4. 4. 4 www.frost.com Millions of Americans Expected to Enroll for Coverage Using HIX by 2022 13 Aug 2013 According to the Congressional Budget Office (CBO), 9 million eligible citizens will enroll for coverage using health insurance exchanges (HIXs) in 2014 and by 2022 an estimated 13 million more will sign up. These numbers indicate the sheer volume of newly insured or amended employer-based (small business) patients immigrating into our health system. Each state, working with the federal government, is crafting its unique and individual portals for individuals and small businesses to compare and buy health insurance. Some elected to establish and run their own “marketplace” (CA,CO,CT,DC,HI,KY,MD,MA,MN,NV,NY,OR,RI,VT,WA,ID and NM); two have elected to run a state-based exchange (ID and NM), where the states perform most core exchange functions and the federal government maintains the health IT infrastructure;and Utah has received approval to establish what is being called a bifurcated exchange, where the state of Utah handles all small business core exchange and infrastructure, and the federal government handles the individual elements. The majority of states chose to do nothing and per the ACA, let the federal government establish and run the exchange for them (AL, AK, AZ, FL, GA, IN, LA, MS, MO, NJ, NC, ND, OK, PA, SC,TN,TX,WI,WY). There are two more fabrications of an exchange plan: the first, referred to as Variant 1, is where the “state conducts plan management and/or consumer assistance, outreach, and education functions on behalf of the federal government; the federal assets then operate the remaining core exchange functions” (AR,DE,IL,IA,MI,NH,andWV). Variant 2, or marketplace plan management,is where the state conducts plan management on behalf of the federal government; the federal government operates the remaining core exchange functions (KS, ME, MT, NE, OH, SD, andVA). Enrollment is expected to begin by October 1 of this year with an open enrollment period running to March 31, 2014. Coverage will go into effect January 1, 2014. Each state offers varying degrees of readiness. HIX Essential Health Benefits (EHB) Should have a National Standard 14 Aug 2013 The Department of Health and Human Services (HHS) decided that rather than establish a national standard for EHBs, it would defer to the states to choose a set of plans to serve as a benchmark for each state. Whatever benefits or attributes this one plan offers in the 10 designated categories, the remaining plans must match as their essential elements. This policy has drawn criticism and praise from different sides in the debate. Providers and consumer groups are opposed to this way of thinking and prefer a national standard of care,which is what doctors and hospitals are accustomed to doing. But state administrators and businesses applaud this flexibility, which allows them to customize EHBs to match local resources and healthcare models.
  5. 5. 5 www.frost.com v i ta l s i g n s There is no national policy for health insurance benefits; there never has been. Each state is left to police its own practices, and states also mandate what certain benefits will be covered, but from state to state there is much difference. Coverage for core services, such as inpatient care, outpatient services, and primary care, is typically not mandated, but most plans cover them. Insurers and employers both have made known their grievances and positions in regard to the essential health benefits package, standardization or current policy of benchmarking plans by the states. But there should be some level of common ground across state borders that guarantees a level of benefits agreed upon by HHS and Congress. Without a standard, too much room is left for individual interpretation and policymakers love a way to modify, codify, and relieve responsibility. And the recipient of this political maneuvering is most always the segment of our population without a voice: the poor. Vast Differences between States’ Readiness for HIX Go-Live Date 15 Aug 2013 States such as NewYork and Connecticut, who opted to run their own HIX, are ramping up strategically and with forward thinking to be ready to begin enrolling people who need health insurance this October. Connecticut is opening nine retail store fronts that will resemble Apple stores, and NewYork’s Governor Cuomo is personally involved in ensuring the Empire State is ready to go in six short weeks. Contrast this activity to Missouri where virtually nothing is being done, by design. The state lawmakers overwhelming oppose the Affordable Care Act, and as a result the good people of Missouri have no inkling of the process, the premiums, essential health benefits, approved health plans or anything at all to do with the federal government running their health insurance exchange. Nothing has been published,spoken,or even hinted. The Center for Medicare and Medicaid Services, or CMS, has said that “specifics” will be made available on or about September 1, giving the entire state 30 days to disseminate, digest, and understand a complex and truly new subject. CMS plans to simply refer individuals to their www.healthcare.gov site for more information. The Supreme Court, in its June 2012 decision, left the operational guts of establishment of HIXs to the states. Be careful what you wish for. Some states, and it is their constitutional right, have said no thank you. Will Politics or the Movement for Transforming Healthcare in America Prevail in 2014? 16 Aug 2013 Dr. Don Berwick, the father of The Triple Aim solution for healthcare, scolded industry leaders last week to “not focus solely on profit” as a cure-all for healthcare in America. He suggested that his formula for controlling per capita costs, increasing access, and improving quality outcomes may be missing an ideological socio-economic foundation, that being fiscal responsibility. Perhaps, even a moral responsibility to find a common ground for holding back escalating health industry costs, which we seem to be doing as of late, without the singular narrative of boosting operating margins at the expense of the quality of our delivery system. Meanwhile,Washington, under the direction of the Obama administration, keeps the course set for established hard dates for implementation of the tenets of theAffordable CareAct. On the immediate horizon is the creation and flip of the ignition switch for health insurance marketplaces, or exchanges, set to go live on October 1. HHS has announced it is spending $67 million in the 34 states in which it is establishing and running these very same entities to assist the “navigation” for online browsers looking to enroll in health insurance. This seems to be a bit of an admission that the majority of us will get lost somehow in the process.
  6. 6. 6 www.frost.com Lawmakers are grappling with budget funding votes, hinting that passing an operating budget for FY 2014 must “de-fund” Obamacare” or face government default. This sounds like a sequel to a B movie from a couple of years ago. Yet, this discourse is dominating Congress at the moment, which means Sunday talk shows will do the same, and FOX News and MSNBC will be spinning the story to suit their own political persuasions. So, the issue before us is that 2014, like it or not, will be a historical year for healthcare in America and around the world. There is much momentum in accountable care, its philosophy and ramifications, which, to date, have been for the most part very encouraging. Yet, politics is the concrete shoes healthcare transformation must wear into the deep end of the pool. If momentum can be maintained and lust for profit and power abates, we can achieve a great deal this coming year. If we cannot keep our head above water when it comes to the deep end and lose an ability to move forward because of the political debate, we will have lost a unique moment in history to do good. By the way, Dr. Berwick is running to be governor of Massachusetts. Albert Schweitzer has chosen to morph into Tip O’Neill. Less than 45 Days until HIX Debut 19 Aug 2013 Americans with incomes between 100% and 400% of the federal poverty level, or about $23,500 to $94,000 for a family of four, are eligible for federal subsidies on a sliding scale to offset monthly premiums. These health insurance exchanges,or what the administration wants to refer to now as marketplaces,are intended to make shopping for health insurance much more attractive and easier than the current system. Exchange shoppers will be asked to fill out a singular insurance application, which will then indicate if they can qualify for a tax credit on their premium, help with cost-sharing or if they qualify for state Medicaid. There is an online tool to calculate your potential for premium assistance. It is estimated to take two weeks to qualify and for the policy to go into effect, so signing up by December 16 should allow you to begin receiving care on January 1. You can use the Internet, phone, mail or go in person to a retail storefront center to sign up. If you elect to use an enrollment center, there will be “navigators” there to help you enroll and even in some states insurance agents and brokers. So, in theory, we have plans, resources at the ready. 19 States Running their Own HIXs Predict Higher Enrollment Numbers than HHS 20 Aug 2013 USAToday conducted a state-by-state query to find out how many new insurance customers they expect to enroll using health insurance exchanges or marketplaces come October 1. The numbers reported from the 19 states who filed with HHS to run their own exchanges are higher than what the feds are predicting. These 19 states predict almost 8.5 million new insured customers in 2014. The federal government is predicting just 7 million for all 50 states. Estimates from individual states are based on the number of reported uninsured and through discussions with state agencies responsible for enrollment; there is much desire for current uninsured workers to have health insurance, some for the very first time. Compound this with the fact that the employers of this same population will not offer health insurance as a benefit in the coming year as well. So, what you have is a very optimistic prediction for enrollment, which most analysts believe is a good thing.
  7. 7. 7 www.frost.com v i ta l s i g n s This process,HIX,is a function of how many people enroll and how many people will have access to solid primary care, which looks to prevent chronic disease. Numbers may decide the success or failure, but access to care should be the metric, regardless of numbers. New York State Going All-In Creating a Bona Fide Brand for its HIX 21 Aug 2013 According to the Syracuse - Post Standard,a newspaper I used to deliver as a young man, NewYork State has hired the services of NewYork ad agency giant DDB to develop the name,logo and ad campaign for the upcoming open enrollment period for the Empire State’s health insurance marketplace (http://www.newyorkstateofhealth.ny.gov). You guessed it; Billy Joel,who is from New Jersey but wrote the song and lyrics,“I’m in a NewYork frame of mind,” has given his blessing to the creative concept which includes television ads, bus wraps, radio, print, newspaper and direct mail elements. NY hopes to enroll 1 million new customers beginning in October and is offering monthly premiums starting at $170 a month for the least expensive (Bronze) option, with a $965 a month offering for the most expensive coverage (Platinum). States that are responsible for the creation and running of their own exchanges are actively promoting their services and using any and all tactics to make their programs go. Yesterday, these same states in a USA Today poll reported they hope to enroll 9.5 million new customers in 2014,which is 2.5 million more than the GAO predicts all 50 states will enroll. Very quickly we will see who is right. Innovation and Smart Thinking Being Used in States Running their Own HIX 22 Aug 2013 The 16 states and District of Columbia are cranking up their efforts to encourage millions to enroll in their insurance marketplaces come this October. The marketplaces created as a part of the Affordable Care Act (ACA) are the integral component of healthcare reform designed to expand healthcare insurance coverage to uninsured people. California has hired two national PR firms,Weber Shandwick and Ogilv, to promote its Covered California concept. Connect for Health Colorado is following a process used by Massachusetts in 2007 by showing informational videos during the Colorado Rockies baseball games. Connecticut is opening nine brick-and-mortar stores that resemble Apple stores to push their Access Health CT marketplace. One of the most provocative examples of commitment to the exchanges is being demonstrated by New York, which unveiled its New York State of Health campaign, complete with Billy Joel music and lyrics. Beyond these few examples, each of the 16 states has taken the task at hand seriously and is professionally developing well-thought-out campaigns and strategies to bring health insurance to millions who go without it. It makes one wonder, if the Supreme Court had not left the execution of the health insurance exchanges to individual states and rather required each state to do so, by law, how much further we would be along? And how many more lives would be provided access to healthcare services?
  8. 8. 8 www.frost.com States Hinting that Actual Online Enrollment for Insurance Marketplaces Will Not Happen 26 Aug 2013 TheWashington Post is reporting that the ability to actually“click” a purchase icon on a state insurance marketplace and buy health insurance October 1 may not be possible. Many states are quick to point out, though, that this disclosure should not be problematic. The plan for states like Oregon, California, and the District of Columbia is to let online shoppers bang around on the website, review approved health plans and check prices, but when it comes to select a plan and enroll online, you will be directed to call a representative to complete the transaction. Not exactly what the Obama administration and Kathleen Sebelius at Health and Human Services had hoped for. In Oregon’s case, it does not even plan to make its insurance marketplace website available to the general public. It will, however, make it available to insurance brokers and health plan navigators. The plan is to discover the glitches this way and spare the public from having to go through multiple and frustrating 404 redirect error messages. Spanish-language marketplaces appear to be getting pushed to the back burner, again, to the absolute dismay of HHS and health policy folks working in the White House. Hispanic enrollment numbers are needed desperately to make enrollment work for the president and the Affordable Care Act. Look for more revelations as we get closer to September and much anticipation as we close in on October for sure. Healthcare has never seen such activity and focus on “big data,” which can only benefit all of us in the long run.We may stumble or not exactly be flawless out of the gate, but so much is at stake that I predict we will eventually get to the end goal of seamless, bi-directional flow of state and federal data to facilitate public enrollment for health insurance. I will continue to examine all aspects of the health insurance marketplaces and try to stay abreast of the most important issues facing implementation. Senior Advisor to CMS Administrator: ‘We’re Going to be Ready’ October 1 28 Aug 2013 In Chicago, the keynote address at the National Association of Community Health Centers’ Community Health Institute meeting to discuss health insurance exchanges or marketplaces, as Kathleen Sebelius at HHS likes to call them, was given by the senior advisor to the CMS administrator, Mandy Cohen, MD. With less than 40 days until the actual go-live date of 1 October, it would have been fatal news to the Obama administration if she said otherwise. Dr. Cohen provided few details other than to reaffirm what CMS and HHS officials have been saying for six months now: they will be ready. It is encouraging and at the same time a bit unnerving given the steady flow of sound bites predicting October 1 to be a day that will launch the GOP presidential bid for 2016, as many Republican candidates are hinting that October will be the month that buries Obamacare either through failure of the online health insurance marketplaces or the defunding for implementation of the Affordable Care Act. Democrats are hoping for millions of “customers” to show up and sign up for health insurance. Predictions are for millions; CBO says 7 million and a recent USA Today poll indicated that the 16 states running their own exchanges are hoping to enroll 9.5 million alone, just in those states.
  9. 9. 9 www.frost.com v i ta l s i g n s This is not my first rodeo, but it is my first health insurance exchange, just like it is for everybody else. Here is what I believe will happen. First, there will be problems, guaranteed, but I believe there is resolve beyond politics to push through the fog of war, if you will, and get to the other side of the creation of a true national health information exchange capability and with it, a process for individuals, small companies, and families to buy health insurance and receive care that will keep them healthy and out of the hospital. A simple but solid goal. Either way, October will be a month we will all remember. Consumer Surveys Indicate HIX and ACA Knowledge Does Not Match Reported CMS Readiness 29 Aug 2013 A recent Kaiser Family Foundation poll finds that consumers are woefully under- and ill-informed when it comes to the ACA and implementation elements such as health insurance exchanges.We know that Dr. Mandy Cohen, the CMS administrator responsible for HIX enrollment, reported earlier this week that CMS “is ready.” While at the same time, it appears from this Kaiser fieldwork that perhaps consumers whom CMS is expecting to enroll in approved health plans in all states beginning on October 1 may not have the level of information required to make such a decision or even understand where to look for health insurance. Kaiser found that 44% of respondents think “the law has been repealed (8 percent), overturned by the Supreme Court (5 percent), or unsure whether it remains the law or not (31%).” One other nugget from this poll is that from June to August of this year, knowledge about the health insurance exchanges has only gone from a paltry 8% to a dismal 12% with enrollment kick-off less than 40 days away. The other piece is that only 8% of respondents trust the news media to get objective information concerning theACA and its many confusing elements, one being the health insurance exchanges. Not surprising when you consider the banter from FOX News and MSNBC. Regardless, here we are literally on the eve of open enrollment and no one seems to know anything about something. So,I predict that enrollment will need a learning curve of opportunity to roll over our psyche.We have until March 31st to sign up and I predict not much will happen until after January. We will need that time to look, listen, and form opinions sufficient to enroll in care plans. So, look for initial numbers this fall to be small, then begin to climb in the winter. October 1 will not see servers crashing from lack of storage space nor will call-center phone trunk lines fail as a result of too many inbound calls. Progress and momentum will be gained, but not for weeks, even months.
  10. 10. 10 www.frost.com RAND Study Points to Lower HIX Premiums than Critics Predicted 30 Aug 2013 Last year, the Society of Actuaries published its predictions for an anticipated 32% increase in health insurance premiums as a direct result of the Affordable Care Act. This caused a landslide of criticism and outcry from opponents and supporters of healthcare reform. RAND Corporation just looked at 10 states for 2016’s anticipated rise or fall for insurance premiums and found that the largely publicized double-digit increases may not be valid. Of the 10 states evaluated, only three (Minnesota, North Dakota, and Ohio) may have an increase in annual premiums. In Louisiana and New Mexico, the premiums are expected to go down compared to how the market would perform without theAffordable CareAct. For the remaining five states (Florida,Kansas,Pennsylvania, South Carolina, and Texas) and the country as a whole, RAND’s report shows “the law causes no change in premiums.” These findings are in stark contrast to the continued claim that as a result of the ACA health insurance premiums will double or even triple. The research also found a dramatic increase is expected for the number of people who would likely receive health insurance. The number or percentage of people may double for individuals, climbing from 4.3% to 9.5% for those under the age of 65 in 2016. Health and Human Services (HHS) commissioned the study and found some troubling news along with the premium increase good news. The study found small increases in coverage are likely in the small group market, and minimal differences in premiums, with and without the law. But one of the law’s major goals was to provide small businesses lower premiums by giving them better bargaining power. Bottom line is that predicting premiums is a very risky venture as the ACA introduces complex changes to market dynamics, and comparative analysis using historical data to predict uncertainties as to how the industry will respond is challenging, at best. And comparing premiums with or without the ACA is even more open ended and fraught with influencers never evaluated before. So, caution is urged before making bold commentary about premiums going up or down.
  11. 11. The Frost & Sullivan Healthcare team offers extensive coverage of the following markets and sectors: CUSTOMIZED SERVICES Growth Consulting ­ Clients may leverage our unique combination of market expertise, global presence, and relationships with key industry players for customized research, business strategy, consumer analysis, and organizational development projects. Clients get powerful and practical solutions to address their unique challenges and develop winning strategies for growth. Customer Research Clients gain insights into their customers’ behaviors and attitudes, find out what end-users think of their company, and how their products should look and feel in the future.These analyses are designed to assist you in formulating and applying effective product marketing strategies across your product and service lines. The Frost & Sullivan Healthcare Group specializes in closely monitoring the healthcare marketplace to provide critical information, opportunities, and strategic recommendations for market participants. Our global team of highly skilled industry analysts and consultants are educated and experienced in a variety of healthcare market sectors, and maintain well- developed, long-standing relationships with key industry participants. Leveraging these assets, the team provides clients with comprehensive industry knowledge, including detailed coverage of market, technology, economic, and customer-focused trends and forecasts. Greg Caressi SVP, Healthcare & Life Sciences t) 650.475.4555 e) gcaressi@frost.com Daniel Ruppar Director, Healthcare Research t) 210.247.2428 e) daniel.ruppar@frost.com Charlie Whelan Director, Healthcare Consulting t) 210.247.2436 e) cwhelan@frost.com Nils Frenkel Sales Director t) 210.247.2451 e) nils.frenkel@frost.com Life Sciences Ensuring clients have the tools to succeed in the new era of personalized medicine • Convergence of Therapeutics/Diagnostics • Pharma Pipelines • Next Generation Biologics • Vaccines • Life Science ResearchTools • Next Generation Sequencing Contract Outsourcing advanced medtech Enabling efficient and outcomes oriented healthcare delivery • Medical Imaging Modalities & Services • Contrast & Radiopharma • Surgical & Orthopaedic Solutions • Infection Control Solutions • Wound Management • Patient Monitoring Solutions • Ventilation and Anaesthesia • Sleep Diagnostics &Therapy connected health Defining how information technology improves patient care, operational efficiencies, and cost control • Provider InformationTechnology • Analytics • Health Information Exchange • Revenue Cycle Management • Telehealth • Remote Monitoring • VideoTelemedicine • mHealth

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