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Archive for August, 2009

American Dental Association Web Survey Offers Chance at $150 Gift Certificate

Saturday, August 22nd, 2009

Participate in the American Dental Association (ADA) Web-based survey at www.ada.org/goto/publicsurvey and become eligible to win a $150 Amazon.com gift certificate and, at the same time, help redesign the ADA’s Web site, ADA.org (see also <http://www.newsrx.com/library/topics/American-Dental-Association.html> American Dental Association).

ADA.org provides news and information on hundreds of dental topics, ranging from basic dental care to baby’s first tooth to gum disease to tooth whitening. These topics also include an extensive video collection of various oral health subjects.

The survey, which takes about 10 minutes to complete, shares three creative designs and asks participants their opinion of each one. Feedback from the survey will help the Association select a design that prompts visitors to make ADA.org their primary source for oral health information. Everyone who completes the survey by Monday, Aug. 17, 2009 is automatically in the drawing for a $150 Amazon.com gift certificate. However, to be eligible to win, participants must be at least 18 years of age and reside in the United States.

The ADA will announce the winner of the gift certificate later this month.

About the American Dental Association

Celebrating its 150th anniversary, the not-for-profit ADA is the nation’s largest dental association, representing more than 156,000 dentist members. The premier source of oral health information, the ADA has advocated for the public’s health and promoted the art and science of dentistry since 1859. The ADA’s state-of-the-art research facilities develop and test dental products and materials that have advanced the practice of dentistry and made the patient experience more positive. The ADA Seal of Acceptance long has been a valuable and respected guide to consumer dental care products. The monthly Journal of the American Dental Association (JADA) is the best-read scientific journal in dentistry. For more information about the ADA, visit the Association’s Web site at www.ada.org

Keywords: American Dental Association, Gum Disease.

Two Texas Dental Students Receive One-time Scholarships from United Concordia Dental

Saturday, August 22nd, 2009

Two students from the University of Texas Health Science Center at San Antonio Dental School have received one-time scholarships of $2,500 per student from United Concordia Dental to help pay for tuition. Maritza Chavez, 23, of McAllen, Texas, and Winston Faltine, 25, of Houston, were chosen for their academic achievements and contributions to the community.

“We are proud to provide these two outstanding students with scholarships,” said Harlon L. Robinson, corporate vice president of human resources and administration and diversity chairman, United Concordia Dental. “This program is an example of United Concordia Dental’s longstanding commitment to the education of women and minority students.”

United Concordia Dental created a scholarship and grant program to help recruit women and minorities to the dentistry profession and to improve access to dental care for those in need.

“Many dental schools realize that minority communities have a disproportionate burden of dental problems and a short supply of minority providers,” said Gary Delz, DDS, United Concordia’s Texas dental director. “This year’s recipients have demonstrated a strong desire to help their communities through a career in dentistry.”

After graduation from dental school in 2013, Faltine and Chavez plan to provide dental services to the underinsured and uninsured. Chavez said she plans to use her skills as a dentist to serve children in the Rio Grande Valley, where she grew up. “I chose to become a dentist because when I was growing up, my family could not afford dental care,” Chavez said. “I believe that as a health care professional, I will be in a position where I can help serve the needy. When I graduate, I plan to return to the Rio Grande Valley and serve my community.”

Faltine said he hopes to practice in Texas. His wish to become a dentist started in Venezuela, where he was born and raised. “I grew up in a small town where my mom was one of the few dentists available,” he said. “We lived above my mother’s dental clinic, and I still remember watching patients coming to the house during weekends and holidays with teeth issues. My commitment and passion began there and remains strong. As I learn more about this exciting field, it grows even stronger.”

United Concordia awarded scholarships and grants to 20 students during the 2008-2009 school year at the Harrisburg (Pa.) Area Community College (HACC) Dental Hygiene Program; Medical College of Georgia School of Dentistry; University of North Carolina School of Dentistry; University of New Mexico Division of Dental Hygiene; and University of Texas Health Science Center at San Antonio Dental School. The grants were awarded to students at six Historically Black Colleges and Universities (HBCUs): Bowie State and Morgan State universities in Md., and Elizabeth City State, North Carolina A&T State, North Carolina Central and Winston Salem State universities in North Carolina.

Keywords: Pediatrics, Dentistry, Pediatrics, United Concordia.

Killer Charm : Dentalplans Coupon

Saturday, August 22nd, 2009

Philip Markoff, the alleged Craigslist Killer, is a classic example of a terrifying type of psychopath: a clean-cut guy who seems normal…until he reveals his hidden violent side. Former Manhattan sex-crimes prosecutor Linda Fairstein tells what she’s learned about these murderers and the young women who fall for them.

At 10:15 on the evening of April 14, 2009, Boston detectives responded to emergency calls from the posh Marriott Copley Place hotel. A young woman, later identified as 25-year-old Julissa Brisman, had been found lying in the doorway of her hotel room on the 20th floor. She had been hit over the head and shot three times. One bullet entered her heart and killed her almost instantly.

Brisman was an aspiring actress and model from New York City, a petite and striking woman who had also worked on and off as an erotic masseuse, advertising her services on Craigslist. It soon emerged that she’d planned to meet an online client that night in Boston. When police uncovered the Craigslist connection, they were instantly reminded of another case: Just four days earlier, in a room at Boston’s nearby Westin Copley Place hotel, a 29-year-old woman who’d listed herself in the erotic-services section on Craigslist had also been attacked by her client. In that case, the assailant pulled out a gun, bound her hands behind her back, and robbed her before vanishing.

As investigators struggled to pull together leads in the two cases, another hotel attack occurred just over the state line in Rhode Island. Two days after Brisman’s murder, another woman who had advertised erotic services on Craigslist was tied up by her client in a room at the Holiday Inn Express, but the assault was interrupted and the attacker escaped.

In the press, the Craigslist Killer case began to take on a psycho-on-the-loose, Silence of the Lambs kind of sordidness: The guy appeared smart and brazen, yet it was hard to picture him as anything other than a lowlife — perhaps an ex-con with a history of robbery or murder, someone who’d give you the creeps if you shared a hotel elevator with him.

But when the cops arrested a suspect within the week, the public was in for a shock. Security-video footage showed a good-looking guy strolling away from two of the crime scenes while casually checking his cell phone. Investigators tracked him through e-mail forensics and other evidence and, on April 20, arrested the man identified as the alleged Craigslist Killer as he drove on the interstate with his fiancée. He was later charged with murder and multiple other crimes.

In all other ways, though, the alleged killer defied most people’s assumptions of what evil looks like. Philip Markoff, 23, was a medical student at Boston University. Tall, handsome, from a solid family, and with no criminal record, he was living with his fiancée, 25-year-old Megan McAllister, a fellow med student he had met in college while both were volunteering at a local hospital. They were reportedly planning a beach wedding in August.

Friends of Markoff spoke out immediately, backing McAllister’s statements to the press that “he wouldn’t hurt a fly” and describing him as personable and highly intelligent. News articles mentioned his good looks, as though his physical appearance was an indicator of good behavior. The mainstream media repeatedly used expressions like clean-cut and all-American in describing him.

But as Boston police continued to amass critical evidence, the picture darkened. Investigators found a stash of women’s underwear — which they characterized as souvenirs from victims — in the springs of the bed Markoff shared with McAllister. Detectives also found zip ties (the kind used to bind the two robbery victims) and a semiautomatic gun in a hollowed-out copy of every med student’s bible, Gray’s Anatomy.

You can’t help but wonder: Is it possible that Megan McAllister had no clue that there was something not quite right about the man she planned to marry? All my investigative experience causes me to doubt that. But that is just one of many mysteries that surround the psychopathic personality and the people he deceives.

A Psychopath’s Mask

Many of the details that have emerged about Markoff’s personality fit the criteria for a psychopath: someone (usually male) who almost entirely lacks empathy but can appear normal, even charming and brilliant. Psychopaths apply their intelligence to mimicking conventional behavior; they are both great actors and heartless predators. There are about 1 million in the United States, or about 1 percent of the adult male population (but as much as 25 percent of the prison population). In other words, they can be anywhere. And since their danger flies under the radar, it’s important to understand how they operate.

In my 26 years supervising the sex-crimes unit in the Manhattan District Attorney’s Office, my colleagues and I prosecuted many people who fit the psychopath criteria: dentists and doctors, teachers and lawyers, accountants and professors, college students and the wealthy heirs of prominent parents.

I got my first exposure to the type when, as the newly designated chief of the bureau, I was assigned to the trial of Marvin Teicher, a distinguished-looking and highly respected dentist. A brilliant police investigation, in which a female detective went undercover as a patient, revealed his true character: Teicher was captured on film molesting the sedated woman.

I was as astonished as the rest of the public to discover that a prominent health-care professional — a man whose hobby was starring in musical comedies in an amateur theatrical group — was also a repeat sexual predator. Teicher was my introduction to the elaborate double lives led by psychopaths and to the disguising power of their outward appearance of respectability: their college degrees, their breeding, and often their good looks.

Many psychologists call this power the mask of sanity, a phrase most famously applied to the charming, handsome serial killer Ted Bundy, who was executed in Florida in 1989. Bundy was a law student during part of his killing spree. By the time he was captured, he was estimated to have murdered at least 30 young women in a four-year cross-country rampage. And just like Philip Markoff and Marvin Teicher, he compelled, and traded on, women’s trust.

The mask of sanity is the element that makes women like Trisha Leffler, Markoff’s first known robbery victim, tell reporters, “He was a tall, good-looking guy. When I first laid eyes on him, I was comfortable.” Moments later, he was pointing a gun at her. One of Bundy’s methods was to put his arm in a sling and approach a woman to ask for help in lifting a small sailboat onto his car.

Bundy’s “mask” was so convincing to women that when he was on trial for the horrific murder of a 12-year-old girl in Florida, he asked his then-girlfriend on the stand if she would still marry him, despite all she knew about him. She answered yes. And although Markoff’s fiancée finally reportedly called off the wedding, her first response to his arrest was to e-mail news outlets protesting that “Philip is a beautiful person inside and out and did not commit this crime.”

Often, the women involved with men like Markoff, Bundy, and Teicher are not only blinded by the men’s charm but also deeply in denial. Their friends and family, usually equally blinded, support their choice of such a successful man, and tearing down the illusion becomes increasingly difficult. How could they have gotten so involved with someone so bad?

What the Women Know

But sometimes the spell does get broken and the people in a psychopath’s life realize the signs were always there. In Bundy’s case, an ex-fiancée, Liz Kloepfer, saw the truth and reportedly called police in Utah after he moved there from Seattle, where a number of young women had disappeared and later been found dead. Kloepfer told authorities that Bundy was not at home on the dates some of the women had gone missing, that his sex drive had dwindled when the rape-murders began, that he owned a fake cast, and that he had once tied her up and attempted to choke her. He was eventually arrested during a routine traffic stop, when police found suspicious items, such as handcuffs, in his car.

Once a psychopath is arrested, stories often leak out about earlier crimes. Take the case of Eric Lewenstein, which I supervised several years ago. In 1997, Lewenstein was 22, wealthy, handsome, and living in New York, the son of a high-profile physician and grandson of a financier. One night, he allegedly attacked a young aspiring actress he met at a trendy nightspot, forcing her into the restroom and beating her when she resisted his advances. Despite her injuries, the victim declined to press charges, fearing that she wouldn’t be believed.

She didn’t testify until five years later, when Lewenstein was charged with a similar attempted sexual assault, in which the victim described how the perp smashed her head against the tiles in a restaurant restroom. Both women told their stories in court, and Lewenstein pleaded guilty.

One week after Markoff’s arrest, I got an e-mail from a woman who’d gone to high school with Lewenstein. “Stories will start to come out about Markoff,” she wrote. “We all knew about Eric. His nickname was Frankenstein.”

That’s why when I trained young lawyers investigating sex offenders and killers, I told them to talk to ex-wives and girlfriends. They often have information they’ve been too embarrassed to reveal or they feared no one would believe. Once the mask is ripped off, people who’ve glimpsed behind it come out of the woodwork.

Several days after Markoff’s arrest, a friend of his from undergrad days told the press about a night when the pre-med student overpowered her on their way home from a night out, pinning her against a wall as he came on to her until a classmate pulled him away. “There are other people who have seen glimpses” of Markoff’s dark side, the young woman said. I assume police and prosecutors will be hearing from many of them. We usually do…after the unmasking.

– ADDITIONAL RESEARCH BY AMANDA TUST

Criminally Cold

Psychopaths tend to have very low levels of anxiety and emotional arousal, making them abnormally fearless.

SOURCE: THE INTERNATIONAL HANDBOOK OF PSYCHOPATHIC DISORDERS AND THE LAW

Spot a Psychopath Before It’s Too Late

Psychopaths are masters of deception. That’s why we asked forensic psychiatrist Keith Ablow, a Fox News contributor and frequent expert trial witness, to explain the tiny tics that can tip you off to a dangerous guy.

He’s thoughtless. Since psychopaths don’t feel empathy, they have no problem ignoring your feelings. Watch out for even simple things, like pressure to stay at a party when you’re tired.

His story doesn’t add up. If he leaves a couple of years of his life unexplained, he could be hiding something. “People who edit their life histories may be denying you information about the worst part of themselves,” Dr. Ablow says.

He’s self-obsessed. When he says you’re the only one who understands him, it really means no one does. Run if he hangs out only with “special” people or he feels he’s above following rules.

He’s too perfect. Men who only talk about how great their lives are aren’t being honest. Everyone has loose ends and complaints. “If you get none of that data, you might be with someone who’s a faker,” says Dr. Ablow.

He has two faces. Don’t buy it if your normally sweet guy blames sudden bad behavior on alcohol or drugs. Rage or violence when he’s intoxicated gives you an idea of what goes through his head when he’s sober too.

He has a history of violence. “Many women are good and kindhearted, and they want to dismiss evidence of violence in the past,” Dr. Ablow says. Don’t. If he has lashed out against others, he could easily turn against you.

CIGNA’s New Electronic System Helps New Dentists Join the Network Faster, Reducing Time Filling Out Paperwork by More Than 85 Percent

Saturday, August 22nd, 2009

Saving dentist offices nationwide approximately 26,000 hours a year combined versus unautomated systems, CIGNA’s (NYSE:CI) electronic system speeds the way for first-time applicants to join the company’s network of dentists. Also called e-onboarding, the paperless credentialing system allows dentists to electronically sign their application and, using the Internet, securely send all required documentation and information such as professional history, licensure, dental specialties and education. Available now to PPO dentists, the new electronic credentialing system is scheduled for release to HMO dentists this fall (see also <http://www.newsrx.com/library/topics/CIGNA.html> CIGNA).

The electronic system saves in many areas. It reduces a typical four hour process to a single-sitting of 15 to 30 minutes. Also, the process to formally accept and add a dentist to the CIGNA network can now be completed in just 24 hours or less, down from the usual four business days. Paperless systems also support CIGNA’s corporate social responsibility green initiatives. This electronic system alone saves 750,000 pieces of paper per year. Earlier this year, Uptime Institute named CIGNA as one of the Global Green 100 for Corporate Leadership in Information Technology.

“In addition to being environmentally friendly, moving to a paperless system is part of our ongoing effort to make it easier to work with us and give dentists more time to focus on treating patients,” said Julie Vayer, vice president for CIGNA’s dental network and products. “CIGNA also offers network and non-network dentists and their office staff convenient access via the Internet to eligibility, benefits and claim/referral information through our secure website for health care professionals.”

The secure site already offers additional time-and money-saving tools exclusive to both CIGNA network HMO or PPO dentists including free continuing education courses and discounts on products and services through CIGNA Network RewardsSM.

CIGNA’s national PPO network of dentists has more than 60,000 unique dentists serving patients in more than 130,000 office locations. CIGNA also has one of the largest dental HMO networks in the country with 13,700 unique dentists in 43,500 office locations. Individual customers can locate in-network dentists using the dentist directory on http://www.mycigna.com/ or on http://www.cigna.com. Dentists can also contact CIGNA to request information for participation in the company’s dental networks at 800.CIGNA24 (800.244.6224). About CIGNA CIGNA (NYSE:CI), a global health service company, is dedicated to helping people improve their health, well-being and security. CIGNA Corporation’s operating subsidiaries provide an integrated suite of medical, dental, behavioral health, pharmacy and vision care benefits, as well as group life, accident and disability insurance, to approximately 46 million people throughout the United States and around the world. People covered by a CIGNA dental plan can choose their dentists from one of the largest dental HMO and dental PPO networks in the United States. To learn more about CIGNA, visit www.cigna.com. To sign up for email alerts or an RSS feed of company news, log on to http://newsroom.cigna.com/section_display.cfm?section_id=18.

Keywords: CIGNA, Technology, Data Management, Practice Management, Health, Dental, Professional Services, Insurance, Gener, Conservation, Data Management, Ecology, Environment, Information Technologies, Insurance, Technology, HMO, Health Insurance, Health Maintenance Organizations.

This article was prepared by Managed Care Weekly Digest editors from staff and other reports. Copyright 2009, Managed Care Weekly Digest via <http://www.newsrx.com> NewsRx.com.

MetLife Adds International Dental Travel Assistance Services to Its PPO Dental Plans

Saturday, August 22nd, 2009

When traveling and in need of dental care, help is only a phone call away. MetLife, the largest commercial dental carrier, which administers dental benefits for over 21 million people, announced that the company has added international dental travel assistance services as a standard feature to its Preferred Provider Organization (PPO)-based dental plans.

Effective immediately international dental travel assistance services are now available to all MetLife Preferred Dentist Program (PDP) participants and their covered dependants. While participants have always had the freedom to go out-of-network to use any dentist, even internationally, this new program provides participants traveling internationally with around-the-clock access to multilingual assistance coordinators that can assist in connecting plan participants with dental providers in over 200 countries. For domestic travel, participants can continue to access MetLife’s online directory or customer service center to find a local dentist within the U.S. among the company’s over 124,000 participating dentist locations.

“Access to timely and quality oral health care is important, yet people who experience a dental event away from familiar surroundings may not know where to obtain the services they need. These obstacles may be compounded when the person also does not speak the native language. MetLife added this new program to make it convenient for travelers to obtain information on locally accredited dentists, to help ensure they receive the care they need, when they need it, wherever they might be geographically,” says Mike Schwartz, vice president, MetLife Dental Product Management.

Any time, day or night, a covered participant can simply call collect to a special telephone number and receive a referral to dental providers in over 200 countries. These providers have been selected based upon strict criteria including schooling and training background; local accreditation; specialties covered and staff experience; experience working with foreign patients; English-language proficiency; and access to the technology needed to provide adequate assistance.

International dental travel assistance services are provided through an agreement with AXA Assistance USA, Inc. AXA Assistance is not affiliated with MetLife, and the services they provide are separate and apart from the benefits provided by MetLife.

For more information about international dental travel assistance services contact the MetLife customer service center or your MetLife representative. About MetLife MetLife is a subsidiary of MetLife, Inc. (NYSE: MET), a leading provider of insurance, employee benefits and financial services with operations throughout the United States and the Latin America, Europe and Asia Pacific regions. Through its subsidiaries and affiliates, MetLife, Inc. reaches more than 70 million customers around the world and MetLife is the largest life insurer in the United States (based on life insurance in-force). The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance and retirement & savings products and services to corporations and other institutions. For more information, visit www.metlife.com.

Keywords: MetLife, Inc., Other Consumer, Health, Travel, Destinations, Vacation, Dental, Other Travel, Professional Services, Insur, Annuities, Asia, Finance, Financial, Financial Services, Insurance, Investing, Investment, Technology

THE CONTROLLER’S FORUM

Saturday, August 22nd, 2009

CONTAIN HEALTH BENEFIT COSTS WITH SIMPLE COMMUNICABLE MODIFICATIONS

Challenge: Modify our health maintenance organization (HMO) plan to increase cost sharing.

Action: We looked for simple changes in our HMO plan that would keep costs from rising more than 6 percent. Our principal move was to raise average monthly contributions. For employees with single coverage, we raised these from $90 to $95. For family coverage, we raised monthly contributions from $340 to $360. To help retain employee good will, we decided to maintain the copayment for visits to a physician at $ 1 8, which was viewed positively. – Controller, transportation, 400 employees, Connecticut.

USE JIT AND OTHER MANAGEMENT PRACTICES TO LOWER INVENTORY COSTS

Challenge: Take cash out of inventory as our production falls.

Action: We integrated a JIT (iust-in-time) buying process with VMl (vendor managed inventory) to reduce our carrying costs by 50 percent. To do so, we took the top 20 items, which equal 80 percent of inventory dollars, and stocked them on site. Then, we put these stock items on consignment. The 80 percent of items that equaled 20 percent of inventory dollars were put in the JIT program. These are stored in the vendor’s facility. – Controller, manufacturing, 550 employees, North Carolina.

CUT RESEARCH EXPENSE BY RAISING HIT RATE IN OUR PRODUCT PLANNING

Challenge: Separate the wheat from the chaff earlier in our new product cycle.

Action: We have reduced the amount of time we spend on projects that never get implemented. Now, we have a much better success ratio because we do a better job of getting critical technical input and top management buy-in early in our project development cycle. We estimate that the time spent on these go-nowhere projects has dropped from 25 percent of our engineering time to maybe 1 0 percent. -Assistant controller, chemicals, 1,400 employees, Texas.

LOWER TOTAL BENEFITS COSTS WITH CHANGES IN OUR DENTAL PLAN COVERAGE

Challenge: Make small changes that deliver downside protection.

Action: Our dental plan is a popular benefit with stable costs, rising just 2 percent in the most recent year. Here, we decided to maintain the monthly employee contribution for coverage – that is, $17 for individual coverage and $50 for family. But we decided to increase our maximum annual benefit amount from $1,250 to $1,500. This preserves the strength of our coverage for routine dental visits. We continue to pay 100 percent for preventive care but require a 20 percent coinsurance payment for most restorative services. – Controller, services, 150 employees, New York.

MIX SELF-INSURANCE AND EXCESS COVERAGE TO DECREASE P&C PREMIUMS

Challenge: Develop an effective self-insurance program for P&C risks.

Action: We have taken our general liability coverage from a deductible program with third-party administration of claims to a self-insured program with self-administration. We created the functional expertise, systems, and procedures to administer our self-insured program. At the same time, we kept the ability to outsource the management of potentially serious claims to our carrier. We estimate our annual savings to be more than $1 million. -Controller, wholesale/retail, 2,500 employees, Tennessee.

NEGOTIATE FEE REDUCTION IN 401(k) PLAN BY ELIMINATING DUPLICATE PAYMENTS

Challenge: Cut 401 (k) costs without changing our pension program.

Action: Our company uses institutional mutual funds as investment options in its 401 (k) profit-sharing plan. The annual operating expenses of the funds include 1 0 to 1 5 basis points for administrative costs. In past years, the plan was also charged a flat lump sum for recordkeeping and trustee costs. Since this fee ($7,500 per year for a $24 million plan with 120 participants) is duplicated in the fund’s annual operating expenses, we were able to negotiate its elimination. – Controller, services, 700 employees, Minnesota.

TRIM INVENTORY LEVELS BY INCREASING USE OF CYCLE COUNTING PRACTICE

Challenge: Make fuller user of cycle counting.

Action: We implemented a moderately aggressive cycle count program in portions of the warehouse that we reserve for slowermoving items. In the fast-turning sections, we now conduct daily wall-to-wall inventory counts. This has made it possible for our buyers to order on JIT basis. Our control is so great that we can sell inventory in transit. Altogether, these actions reduced inventory costs by more than $20,000 per month. – Controller, distribution, 200 employees, Maryland.

REDUCE TRAINING COSTS BY ADOPTING INTRANET-BASED LEARNING MODULES

Challenge: Develop system for training hourly employees at reasonable cost.

Action: We made sure our hourly workers had access to intranet-based learning modules that are self-paced. This reduces our costs for travel, trainer salaries, and contracted trainers. There are also intangible benefits in this approach, such as the fact that the training in our modules is immediately usable on the job. Even so, there seem to be some drawbacks, with some managers not happy with the quality of staff learning. We’re sticking with this approach, however, since the cost savings may reach $25,000. – Controller, government, 250 employees, Illinois.

LOWER HEALTH BENEFIT SPENDING BY ADJUSTING COINSURANCE FOR HOSPITAL STAYS

Challenge: Boost cost-sharing for big-dollar illnesses.

Action: We adjusted our cost-sharing arrangements for in-network hospital services. After long deliberation, we decided to maintain our coinsurance charge at 20 percent of eligible charges. But then, we decided to add an overlapping set amount per hospital stay, which is $250. Meanwhile, we raised the coinsurance amount for out-of-network hospital stays from 30 percent to 35 percent of eligible charges. – Controller, hospitality, 1,000 employees, Florida.

CHANGE SALARY MIX AND BONUS STRUCTURE TO KEEP DOWN COMPENSATION COSTS

Challenge: Shift gradually to more performance-based compensation.

Action: Several years ago, we began to shift a portion of each year’s merit budget to nonbase funds. Then, we respend this money in successive years. We plan to continue the process until our nonbase funds are 50 percent the size of the base merit funds. We believe this is a tremendous strategy for rewarding annual contributions without compounding future costs. – Assistant controller, high-tech, 4,000 employees, Texas.

Aetna to Acquire Horizon Behavioral Services, LLC

Saturday, August 15th, 2009

Aetna (NYSE: AET) announced that it has entered into an agreement to acquire Horizon Behavioral Services, LLC. Headquartered in Lewisville, Texas, Horizon Behavioral Services is a leading provider of Employee Assistance Programs to many mid-sized and large employers (see also <http://www.newsrx.com/library/topics/Aetna.html> Aetna).

The purchase price is approximately $70 million. Aetna expects to finance the transaction from available cash. The transaction is subject to customary closing conditions, including Hart-Scott-Rodino anti-trust approval and applicable regulatory approvals in California.

Aetna will acquire Horizon Behavioral Services from its parent company, Psychiatric Solutions, Inc. (NASDAQ: PSYS) the nation’s largest operator of owned or leased freestanding psychiatric inpatient facilities. Horizon Behavioral Services is the third-largest domestic provider of EAP services by membership with approximately 1,400 contracted employer clients representing over 5 million covered employees in all 50 states and countries around the globe. The company provides unlimited 24/7 confidential telephonic consultation, comprehensive online employee assistance program and work/life resources and access to a referral network of more than 14,000 licensed clinicians. Horizon’s clients include publicly and privately held companies, including Fortune 500 companies, government agencies, and various not-for-profit entities such as hospital systems.

“We believe this acquisition will significantly enhance Aetna’s ability to provide a greater variety of EAP services to our customers and will position Aetna as a key player in the domestic EAP business,” said Louise Murphy, vice president and head of Behavioral Health. “Horizon Behavioral Services is a strong addition to Aetna’s EAP business which we believe adds value and provides customers with another reason to select Aetna.” About Aetna Aetna is one of the nation’s leading diversified health care benefits companies, serving approximately 36.8 million people with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities and health care management services for Medicaid plans. Our customers include employer groups, individuals, college students, part-time and hourly workers, health plans, governmental units, government-sponsored plans, labor groups and expatriates. For more information, see www.aetna.com and Aetna’s Annual Report at www.aetna.com/2008annualreport.

Keywords: , Health, Professional Services, Finance, Insurance, General Health, Psychiatric, Acquisitions, Insurance, Mergers, Behavior, Mental Health, Psychiatric, Psychiatry, Aetna.

MetLife Adds International Dental Travel Assistance Services to Its PPO Dental Plans

Saturday, August 15th, 2009

Access to Oral Health Care Providers in Over 200 Countries

MetLife

Shalana Morris, 212-578-1115

snmorris@metlife.com

or

Karen Eldred, 212-578-9561

keldred@metlife.com

Logo: http://www.metlife.com

When traveling and in need of dental care, help is only a phone call away. MetLife, the largest commercial dental carrier, which administers dental benefits for over 21 million people, announced today that the company has added international dental travel assistance services as a standard feature to its Preferred Provider Organization (PPO)-based dental plans.

Effective immediately international dental travel assistance services are now available to all MetLife Preferred Dentist Program (PDP) participants and their covered dependants. While participants have always had the freedom to go out-of-network to use any dentist, even internationally, this new program provides participants traveling internationally with around-the-clock access to multilingual assistance coordinators that can assist in connecting plan participants with dental providers in over 200 countries. For domestic travel, participants can continue to access MetLife’s online directory or customer service center to find a local dentist within the U.S. among the company’s over 124,000 participating dentist locations.

“Access to timely and quality oral health care is important, yet people who experience a dental event away from familiar surroundings may not know where to obtain the services they need. These obstacles may be compounded when the person also does not speak the native language. MetLife added this new program to make it convenient for travelers to obtain information on locally accredited dentists, to help ensure they receive the care they need, when they need it, wherever they might be geographically,” says Mike Schwartz, vice president, MetLife Dental Product Management.

Any time, day or night, a covered participant can simply call collect to a special telephone number and receive a referral to dental providers in over 200 countries. These providers have been selected based upon strict criteria including schooling and training background; local accreditation; specialties covered and staff experience; experience working with foreign patients; English-language proficiency; and access to the technology needed to provide adequate assistance.

International dental travel assistance services are provided through an agreement with AXA Assistance USA, Inc. AXA Assistance is not affiliated with MetLife, and the services they provide are separate and apart from the benefits provided by MetLife.

For more information about international dental travel assistance services contact the MetLife customer service center or your MetLife representative.

About MetLife

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The Springfield company’s second recent acquisition is Primary Health Inc., based in Boise

Wednesday, August 5th, 2009

SPRINGFIELD — A Springfield-based health insurer has made its second acquisition in a week.

PacificSource Health Plans said Monday it has acquired Primary Health Inc. of Boise, which has 29,000 members. Financial terms of the deal were not disclosed, but PacificSource said it funded the purchase with cash.

Last Tuesday, PacificSource announced it had acquired Redmond-based Advantage Dental Plan‘s commercial business, which has 35,000 members.

The two acquisitions together will add about $65 million to PacificSource’s current annual revenues of about $500 million, CEO Ken Provencher said.

And PacificSource — an independent, not-for-profit health insurer — isn’t finished growing.

It was licensed to do business in Washington at the end of last year and has a team working on a strategy for entering that market, Provencher said.

“We’re a year or two away from having a significant impact,” he said, but PacificSource initially is looking at the counties that border Oregon. “After that, we’ll start to pick markets where it makes sense,” Provencher said.

Its latest acquisition, Primary Health, has a presence in Coeur d’Alene, Idaho, near the Washington border, he said.

“That may also provide an opportunity to come into the market through eastern Washington. We’re evaluating that,” he said.

After Washington, Provencher said, he’s looking at a different form of expansion.

“(Washington) is as far as I can see from a regional standpoint. What we do believe is important is that we have a presence in the government sectors — Medicare and Medicaid. We want to position ourselves to service those segments.

“Being a not-for-profit lets us look at health care from a broad perspective, not just a profit perspective,” he said.

Both recent acquisitions had been in the works for some time, Provencher said.

PacificSource had been expanding on its existing base, “But that’s a very slow process,” Provencher said,

Primary Health had a solid base, but not the resources to grow, he said. PacificSource — which provides medical and dental benefits to more than 5,600 employers and covers more than 183,000 people — has the resources to help Primary Health grow, he said.

Both recent acquisitions also are part of a larger strategy by PacificSource to expand its business so it can spread out its fixed costs over a larger membership, Provencher said.

NEW ACTIVE DUTY DENTAL PLAN LAUNCHED

Wednesday, August 5th, 2009

Active duty service members now have a new dental program that started Aug.1, 2009.

The new Active Duty Dental Program (ADDP) becomes the dental care plan for active duty service members (ADSMs) assigned to locations with no access to a military dental facility. ADDP is also for service members referred by their dental treatment facility (DTF) to the civilian network for specialty care or due to unavailability of timely DTF appointments.

TRICARE Prime Remote enrollees-ADSMs with duty stations and residences more than 50 miles from a military dental facility-are eligible for ADDP. Reserve and National Guard members activated for more than 30 consecutive days on federal orders and who live more than 50 miles from a military dental facility are also eligible for ADDP on their activation date.

ADSMs who live in remote locations, but work within 50 miles of a dental treatment facility will continue to be seen at a DTF.

Of the more than 81,000 dental claims filed each year by ADSMs, approximately 31 percent of them come from service members living and working in remote locations. In the past, the Military Medical Support Office of the TRICARE Management Activity handled remote dental claims and referrals from DTFs. United Concordia, Inc., will now handle these claims and referrals through the new ADDP under a contract awarded in September 2008.

ADSMs using the ADDP will be able to take advantage of United Concordia’s network of dentists and specialists. No enrollment is required.

“United Concordia will establish an extensive dental provider network covering the United States, U.S. Virgin Islands, Guam, Puerto Rico, American Samoa and the Northern Mariana Islands,” said Navy Capt. Robert Mitton, TMA dental program director. “TRICARE wants to ensure a high level of beneficiary satisfaction as well as controlling costs.”

Letters and brochures are being mailed to ADSMs in remote locations to inform them of the new ADDP program. To download the brochure, click the dental section under the appropiate region on the TRICARE Smart site at http://www.tricare.mil/tricaresmart.