Ronald E. Bachman is president and CEO of Healthcare Visions, a thought leadership firm dedicated to advancing ideas and policy initiatives that are transforming the U.S. healthcare market. The major goals of Healthcare Visions are to advance consumer-based solutions to lower the number of uninsureds, improve mental health coverages, develop the concept of consumer-centric Medicare and Medicaid, and advance employer introductions of healthcare consumerism.
Mr. Bachman is also a Senior Fellow of the Center for Health Transformation (CHT), the Georgia Public Policy Foundation (GPPF), the National Center for Policy Analysis (NCPA), and at the Wye River Group on Health. Mr. Bachman is an actuary with extensive experience in healthcare strategy for payers, providers and employers. Ron is a retired partner from PricewaterhouseCoopers where he consulted to a broad range of clients including: employers, HMOs, hospitals, physicians, indemnity carriers, BlueCross BlueShield plans, as well as State and Federal Agency clients.
In 2008 and 2009, Ron facilitated the Georgia Uninsured Work Group and the passage state health reform legislation to reach 500,000 uninsured in Georgia. That legislation has been praised as a new market-based approach to dealing with the uninsured in the United States. Ron is actively working with other states to pass similar reforms and create a coalition of like minded state desirous of market based solutions. As a Sr. Fellow since 2005, Ron has worked on special projects with CHT and Speaker Gingrich regarding the uninsureds, health policy issues, and market transformation ideas.
In 2008, Ron has testified before the U.S. Congress on “Engaging American Ingenuity to Solve the Uninsured Problem.” Ron worked closely with the Bush White House and Treasury on the language and principles of the 2002 Health Reimbursement Arrangement (HRA) guidelines. In 2003 and 2004, Ron worked through the CHT to provide policy input on Health Savings Accounts (HSA). Ron has consulted with various government agencies on national health issues and legislative and regulatory proposals. He has served as a designated expert on actuarial issues to the Centers for Medicare and Medicaid Services, the Congressional Budget Office, the Department of Labor, the National Institute of Mental Health, and several members of Congress.
Ron was instrumental in providing technical and market advice on mental health that resulted in the passage of the 2008 Wellstone-Domenici Parity Act. Mr. Bachman was an expert resource on mental health policy to several members of Congress, including Senator Ted Kennedy and Senator Pete Domenici. During the past two decades, Ron testified in over 30 states on the costs of mental health. He produced several financial studies and analyses of national and state proposals for mental health parity.
Ron is active in several American Academy of Actuaries Work Groups including: Mental Health, Individual Health Insurance, Consumer-Driven Healthcare, Genetic Testing, Mandated Coverages, High Risk Pools, The Uninsured, Small Group, and Healthcare & Tax Credits.
Mr. Bachman is the author of several publications, including “Consumer-Driven Healthcare – The Future in Now”, “Giving Patients More Control” published by the National Center for Policy Analysis. He has written numerous articles such as, “Boomers Will Revise an Aged, Ineffective System” and “Consumer-centric Medicare” both articles co-authored with Newt Gingrich, founder of the Center for Health Transformation. As an advisor to the Wye River Group on Health (WRGH), Mr. Bachman was instrumental in three seminal reports entitled “An Employer’s Guide to Patient-Directed Healthcare Benefits”, “An Employer’s Guide to Health Care Consumerism”, and “An Employer’s Guide to Pharmaceutical Benefits.” Ron is a member of the American Academy of Actuaries Mental Health Parity Work Group that produced the 2005 report entitled, “Mental Health Parity: Often Separate, Usually Unequal.”
A sample listing of other articles and papers written by Mr. Bachman are: Healthcare Consumerism – the basis of a 21st Century Intelligent Health System; HSAs Myths and Facts –The Inconvenient Truths; Clinical Depression – A Bottom Line Issue, If CEOs Only Knew; A Legislator’s Guide to Creating an HSA State; Consumer-centric Medicare; A Roadmap for Legislators on Market Reform for Health Insurance; and Georgia Collaboration Succeeds in Market Reforms.
Ron is a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries, a past Board member of the Southeastern Actuaries Club, and past President of the Atlanta Actuaries Club. Mr. Bachman is on the Board of Directors of the National Mental Health Association of Georgia, the Georgia Free Clinic Network, and Skyland Trail.
Ron holds a Masters in Actuarial Science from Georgia State University and a Bachelor of Science in Applied Mathematics from the Georgia Institute of Technology. He is an active member of the Simpsonwood United Methodist Church in Atlanta, Georgia.
The great frustration for many Americans during the debate on ObamaCare was tone-deaf politicians. No one seemed willing to listen to their concerns. Federal deficits, pork-barrel spending, and the cost of health care got lost in the push to pass partisan legislation. As we move into the regulatory phase of writing the critical implementation rules, the concern is that Obama-bureaucrats will also ignore the people.
The power is now with the bureaucrats to define “essential benefits”, structure plan designs, establish rate structures, set rules for cost-sharing, make decisions on allowable rewards and incentives, and so much more. Many of those in Congress and in the Obama administration have previously voted against health care consumerism and the use of insurance with personal care accounts. The fear is that they will write rules to inhibit or prohibit the adoption of the fastest growing concept since 401(k)s.
Released April 14, 2010, a Mercer study for the American Association of Preferred Provider Organizations (AAPPO) showed that insurance with health care consumerism now covers an estimated 23 million lives. health care consumerism includes insurance plans with personal care accounts attached to the insurance coverage.
Health care consumerism is about health plans that put economic purchasing power—and decision-making—in the hands of participants. It’s about supplying the information and decision support tools they need, along with financial incentives, rewards, and other benefits that encourage personal involvement in altering health and health care purchasing behaviors.
These account-based insurance plans give choice, options for care, and key health decisions to patients. There are several types of personal care accounts, but all are growing rapidly. Plans with health savings accounts (HSAs) and Health Reimbursement Arrangements (HRAs) grew 27 percent from 2008 to 2009, up from 18 million to 23 million lives.
For the first time in our history, people are choosing plans that empower individuals and lower premiums without shifting costs to patients. Karen Greenrose, president and CEO of AAPPO said, “At a time when employers are faced with the difficult choice of limiting benefits or raising health care costs to their employees, they are turning to CDHPs given the cost savings inherent in these plans.”
Health care consumerism encourages good health and health care purchasing behaviors with support for higher use of prevention, more adherences to medical treatments, greater personal responsibility, and an emphasis on health and health care education.
Health care consumerism is an inclusive concept for engaging plan members. It is good for both the healthy and those suffering from chronic conditions. Health care consumerism is a voluntary system rather than a coercive process. No one is forced to be compliant. Individuals have free choice. The success of this approach is no longer theory. HSA eligible plans, insurance with HRAs, and other consumer-driven options have been proven to lower overall health costs and improve care. These plans work for young and old, male and female, rich and poor, republicans and democrats, progressives and conservatives.
According to a 2009 study of health care consumerism by the American Academy of Actuaries (AAA), “The total savings generated could be as much as 12 percent to 20 percent in the first year. After the first year, studies indicate trend rates lower than traditional PPO plans by approximately 3 percent to 5 percent.” The basis for these remarkable results is the use of health care consumerism.
Get Ron Bachman Feed
Loading ...
Post a Comment