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A New Approach to Change

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Over the past few years, statistics on obesity and its related health problems have been well documented in the media. According to the Centers for Disease Control and Prevention (CDC), 64.8 percent of Georgia adults can be classified as overweight, while almost 30 percent of adults are obese. Among children ages 2 to 5, 15.8 percent are overweight and 13.5 percent are obese. The toll this health epidemic takes on individuals and families transcends economic boundaries and county lines. In Cobb County, for example, nearly 24 percent of adults are considered obese. With the dawning of a new year, many people will make resolutions to lose weight, go to the gym more and eat less. Having a strong support system in place can make the difference between achieving your health and wellness goals and slipping back into old habits. Facing down temptation and building up the motivation to work out is often easier with someone by your side to encourage you, so think about what you could accomplish if you had the entire community cheering you on.

The Power of Community

A variety of Cobb County activists, government officials and health care providers have come up with a way to make that happen: the Cobb2020 Health Improvement Initiative. The collaboration is supported by a Community Transformation Grant awarded by the CDC to Cobb & Douglas Public Health. The grant facilitates a multi-layered plan to make healthy living easier and more affordable, says Lisa Crossman, director of Clinical & Prevention Services at Cobb & Douglas Public Health. The business and community leaders involved with Cobb2020 are working to create a plan to identify the county’s most prevalent health problems and implement initiatives to create change.

Crossman and her colleagues believe that building healthier communities is essential to future generations. “Chronic health conditions are the health care challenge of this century,” she explains. “Obesity, cardiovascular disease, diabetes, chronic respiratory disease and cancers are quickly eroding life expectancies in our community, and for the first time in our history, today’s children and young adults may have shorter life spans … than their parents.” Due to a combination of unhealthy diets and sedentary lifestyles, these preventable diseases are robbing many children of a healthy future. Crossman says that through education, policy improvement and proactive advocacy, Cobb2020 hopes to shift the county in a more positive direction.

When it comes to health, some people may have a misconception that intervention on the part of corporations or governments eliminates choices and results in a “Big Brother” atmosphere. But those involved with Cobb2020 note that the initiative is all about increasing choices for county residents. “This isn’t about telling you how to live your life, and it’s not about banning fast food or super-sized sodas,” explains Jay Dillon, Cobb2020 chair and director of communications for the Cobb County School District. “It’s about giving you the information you need to make healthy choices, to help those around you make healthy choices and improve the health services for those who need it the most.”

Cobb2020 Takes Shape

Nearly two years ago, the Cobb2020 Partnership began building collaborations with a variety of individuals and organizations on both a local and regional level. The partnership formed a steering committee, under the direction of Dillon and Dr. Jack Kennedy, district health director for Cobb & Douglas Public Health. “This steering team, comprised of key leaders in the community, is charged with establishing local strategic health goals, securing resources and promoting sound health policy to improve the health status of Cobb,” explains Crossman. Using a process called Mobilizing for Action Through Planning and Partnerships (MAPP), the all-star roster of organizations, from the American Cancer Society and the Cobb Chamber to Kennesaw State University and WellStar Health System, assessed the county’s current health status and set about creating a health improvement plan.

According to Crossman, MAPP is a process created by the CDC that has a proven success rate, so Cobb2020 will not become another well-meaning program that does not accomplish its goals. “The first step involved getting organized by developing a charter, vision and values,” she explains. The second step was to determine the state of health and health care in Cobb. “The third step … involved using the data to identify the key strategic issues impacting our community, and then establishing goals and strategies to address them,” says Crossman. “Based on our assessments, the steering committee identified two main areas of focus: healthy lifestyles and access to health services. These two areas are the main focus for our Cobb Community Health Improvement Plan.”

Putting the Plan to Work

Cobb2020 has done their due diligence in figuring out where the county’s residents need help. Now it is time to put their plan into action. “Specifically, we would like to reduce death and disability due to tobacco use by 5 percent among Cobb County residents; reduce the rate of obesity through nutrition and physical activity by 5 percent; and reduce death and disability due to heart disease and stroke by 5 percent,” says Crossman. These goals require commitments of time and money from Cobb2020’s community partners, both of which the organization has in spades. “Although this is just the beginning of our process, collectively we have received a multi-year commitment from the CDC resulting in $1 million for our county, and we secured more than $43,000 in sponsorships for our Cobb2020 event,” says Crossman.

In an effort to officially introduce the plan to the community, Cobb2020 organized an event called “The Weight Is Over,” which took place this past October at Marietta’s Strand Theatre. “The main goal of the event was to raise community leaders’ awareness about the growing health problems, particularly obesity and barriers to health services in Cobb County,” explains Crossman. “We also wanted to inspire them to collectively take action and join the Cobb2020 Partnership’s Health Improvement Initiative.” Three hundred and fifty attendees from around the county enjoyed a program emceed by WSB’s Condace Pressley and a keynote address from Georgia Attorney General Sam Olens. The program also featured clips from an HBO documentary film series entitled “Weight of the Nation.” At the end of the evening, nearly 200 community leaders had pledged to become involved with Cobb2020. Cobb2020 does not intend to let this momentum and excitement about change go to waste. “From January to March, Cobb2020 will reach out to community organizations like the Cobb Chamber of Commerce, the Cobb Business Associations and local civic groups to present how we can partner to reach the community health goals,” says Crossman.

Looking Ahead

In the coming months and years, Cobb County residents can expect to see a shift in the way the community approaches health and wellness. While Cobb2020 finalizes its strategic efforts to make these changes reality, it is already making information available to the public to help with those New Year’s resolutions. The initiative’s website, cobb2020.com, offers information and resources on nutrition as well as suggestions on ways you and your family can have fun while getting fit. You can also sign a pledge for change through the website—an important first step in building a healthy foundation for life. “The best way to create a healthy community is to get everyone involved and take responsibility,” says Crossman. “From large organizations to families and individuals, everyone in the community needs to become involved with our effort to make Cobb a better place to live.” As 2013 kicks off, don’t let a lack of support derail your efforts to get healthy. Sign the pledge, engage with the community and enjoy the journey.

Global Flavor

Some of the most visible and most visited global businesses in Cobb are those that literally feed our international appetites. Drive the length of Cobb Parkway alone and you’ll lose count of the number of ethnic and global fusion restaurant signs (some written in their native tongues) beckoning from block to block—cuisines born entire continents apart, sharing a parking lot. Whether you’re in the mood for Mexican or Mongolian, Chinese or Caribbean, Italian or Indian, Greek or German, you can satisfy your craving or your curiosity without crossing the county line. Even rarer offerings, like Bosnian and Egyptian, and those fusing radically divergent dishes (think Taqueria Tsunami’s Latin-Asian mashup, or Heirloom BBQ’s Korean-meets-American-Southern smokery), are on the menu. A diverse selection of international food markets rounds out the bill of fare. Restaurants and home cooks alike can stock their kitchens with authentic ingredients from Cobb’s International Farmer’s Market, Vatan International Grocery, Marietta Halal Meat, Patak Meats and Tomato Japanese Market.

All these global options add up to big local business. According to the National Restaurant Association, restaurant industry jobs as a whole have grown faster than the national economy for the past 12 years, even with 93 percent of restaurants maintaining staffs of fewer than 50 employees. Restaurants, and ethnic restaurants in particular, also attract and hire more minority managers than any other industry. And because nearly all of these restaurants are locally owned and operated, the money we spend on those bowls of pho, skewers of halal and hand-wrapped tamales feeds back into our communities.

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Aging Gracefully in a Graceless Age

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One of my favorite relatives growing up was my great-grandmother, who we called Mimi. Even though she lived in an assisted living facility, her health was good and her mind sharp. I loved listening to stories about her days as a flapper and living through World War II. She was also an accomplished painter and sculptor, a passion she continued to indulge with her close friends at the facility. She passed away a few months before her 101st birthday.

While the mythic fountain of youth has eluded us, we are, overall, living longer than previous generations. The average life expectancy in the United States is now 78.5 years, but according to the journal Science, about 7 in 1,000 people will live to be 100 years old. Imagine all the history you would witness if you lived that long. Besse Cooper, a resident of Monroe, Ga., held the Guinness World Record title of oldest living person before she passed away in December at the age of 116. Since her birth in 1896, World Wars I and II as well as wars in Korea, Vietnam, Iraq and Afghanistan have been fought; 12 constitutional amendments have been ratified (including women’s suffrage and both the institution and repeal of Prohibition); 21 presidents have served; the Great Depression and the current recession have wreaked havoc on the economy; and untold social movements have unfolded.

With the amount of war and social upheaval that can unfold in a lifetime, it is nothing short of miraculous that people can live healthy lives for so long. While genetics and environmental factors certainly play a role in determining lifespan, recent studies reveal that personality and attitude count for more than most people probably realize. Nir Barzilai, Ph.D., the director of the Institute for Aging Research at Albert Einstein College of Medicine in the Bronx, recently published research from his Longevity Genes Project. Common traits among centenarians include being extroverted, laughing often and not being afraid to express emotions. While a certain amount of aches and pains are to be expected past a certain age, Daniela Jopp, Ph.D., of Fordham University, found that those who age successfully adjusted their expectations about their health and did not to focus on complaints.

In 2011, researchers Howard S. Friedman and Leslie R. Martin published “The Longevity Project,” the culmination of 20 years of studies on key predictors of longevity. Their research indicates that people who were conscientious and committed to their jobs (even going so far as to work part-time after retirement), friends and family, fared the best. Additionally, obsessing over diet and structured exercise routines does not necessarily lead to a longer life as much as making a concerted effort to be active.

What I take away from these studies is the need for balance in our lives, taking each day as it comes and maintaining a strong social network, which is often more difficult than eating right and getting enough sleep. Even when the inevitable characteristics of age set in—fading eyesight, limited mobility—you can continue to nurture your friendships by taking advantage of Cobb County’s network of active adult facilities, like Presbyterian Village and Sterling Estates. These facilities, and many others like them, understand the importance of social bonds in the twilight years.

The New Year is a time full of promise and hope, but try as we might, with our to-do lists and resolutions, we cannot know what the future holds. So make sure that calling friends on their birthdays and taking time for yourself is just as high on the list as counting calories.

Giving the Gift of Life

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On average, every 11 minutes another name is added to list of people waiting for transplants and between 18 and 20 pass away daily while they wait. Fortunately for Georgians, Marietta’s WellStar Kennestone Hospital recognizes the importance of helping those waiting for an organ. The hospital recently received a Department of Health and Human Services Bronze Medal of Honor for having outstanding organ donation rates between April 1, 2010, and March 31, 2012. They reached a 79 percent conversion rate, meaning 79 percent of the people who had the potential to be an organ donor actually donated. Because of this, 80 life-saving organs were recovered for people in end-stage organ failure. Kennestone earned the previously annual award in 2009 and 2010 before it became a biannual honor.

As Kaysha Cranon, senior public affairs coordinator for LifeLink of Georgia, says, “[Organ donors] were able to help the thousands that are waiting on our transplant waiting list here in Georgia. The need is very great; there are more than 3,600 people in Georgia waiting, so it’s a very big honor to get on a national level that says you’re addressing and helping people in your service area, in order to give that life-saving gift of an organ transplant.”

That national recognition would not be possible without the efforts of local hospital staff. “What we do in our hospital is a lot of education of the nurses and physicians about what potential organ donors might look like,” says Laura Garlow, trauma program manager at Kennestone. “When we have patients [who] the medical staff [recognize as having] non-survivable injuries, we notify LifeLink, as they help us [provide] information to families for the opportunity to donate, if that’s the wish of their loved ones. We’ve spent a lot of time educating our nurses and our physicians about the need for organ tissue donations and the opportunities to create a positive experience for the families when they’ve lost a loved one.”

In Georgia, a whopping 3,363 people on the transplant list need kidneys, 51 need lungs and 54 need a new heart. This Valentine’s Day is also National Donor Day, which is focused on five points of life: organs, tissues, marrow, platelets and blood. National Donor Day was started in 1998 by a partnership of the Saturn Corporation and the United Auto Workers and garnered the support of the U.S. Department of Health and Human Services. To support the cause, many non-profit health organizations, including WellStar, sponsor blood and marrow drives and organ/tissue sign-ups across the nation. “We usually do things through Donate Life Georgia, which is a non-profit organization tasked with educating the state of Georgia about organ and tissue donation,” says Cranon. “What we do is honor and highlight different transplant recipients and bring their stories to the media to create awareness statewide. Last year we highlighted heart recipients because it was February and Valentine’s Day.”

There are many ways to get involved with National Donor Day, and it starts at your local donor registry. When applying for or renewing a driver’s license, it’s as simple as checking the organ donor box. You can also visit donatelifegeorgia.org/register and sign up online. Once you’ve made the commitment to be an organ donor, tell those you love. Sharing the news with your family and friends may help them understand the importance of donating. “So far 4.3 million Georgians … are on the registry. There’s about 9 million people in Georgia so we have some work to do, but we certainly are making strides,” says Cranon. Georgia has the No. 8 registry in the nation in terms of effectiveness and number of people who are on it.

According to Elle Pallent, hospital liaison between WellStar and LifeLink of Georgia, WellStar is coming up with many ways to honor those who donate both on Feb. 14 and in the month of April. In addition to spreading the word and participating in national campaigns, you can get involved with local and national groups to help promote donation in your community. Workplace Partnership for Life (WPFL) is a national initiative uniting the federal government with the organ donation community and businesses committed to spreading awareness of the importance of donor registration. The WPFL has helped register more than 580,000 new donors in the United States.

“It’s so important that hospitals are doing all they can … because there are so many people in need and their only hope for survival is organ donation,” says Cranon. “When someone says ‘I want to be an organ donor,’ they’re really saying, ‘I want to give life to someone else.’ What they’re doing is giving a gift that no one else could give this recipient, and that is the gift of life.”

A Bring Your Own Device (BYOD) Update

byod-updateIn September/October, we featured an article about the implementation and effects of two new pilot programs in Cobb County schools – Bring Your Own Device (BYOD) and flipped classrooms. At the time the article was written, three Cobb County middle schools had launched the program. Since then, the number of participants has grown due to positive response from both teachers and students—BYOD has increased to 104 participants, while flipped classrooms have jumped to 27. Teachers and students are reported to be excited about the new programs.

The BYOD program allows students to bring their own laptops, tablets or other electronic devices to class with them to aid the learning process and allow them to tap into a larger pool of online resources. The flipped classroom engages students via video lectures and allows students to do homework during normal class time. The district initially launched the programs at Lost Mountain, Pine Mountain, Floyd, Smith, Daniell and Dodgen middle schools.

Some schools implemented just one program, but many are trying both. In mid-December, Chief Academic Officer Amy Krause gave a presentation on the programs during a school board meeting, based on the programs’ engagement in area schools. Testing and achievement data from teachers will be collected later this year.

Worth a Pound of the Cure

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Avoiding the Hidden Risks of Workers’ Comp and Health Care Fraud

By many estimates, health care fraud costs U.S. taxpayers approximately $200 billion a year—about 5 to 10 percent of the nation’s health care expenditures. Annually, that amounts to hundreds of dollars per person worth of health care coverage, which is a cost that often comes in the form of increased premiums.

However, according to Paul Baker of Marietta-based Sterling Risk Advisors, outright cases of fraud only constitute part of the problem. “While fraud is present and is an issue in the system, strict fraud probably only accounts for about 10 percent of the total claims expense,” explains Baker. “This is significant, but not to the same extent that exaggeration of injuries or mismanagement of claims cost the industry.”

While cases of fraud may or may not be the driving factor in increasing workers’ comp and general health care premiums, there’s little doubt they represent an impact on the economy. After all, the typical claim can involve a chain of professionals ranging from doctors and attorneys to business owners and insurance adjusters. Needless to say, a workers’ comp claim is not an inexpensive phenomenon.

Perhaps even more specifically, though, cases of fraud affect individual businesses. In layman’s terms, workers’ comp has a direct bearing on your labor costs, which have a direct effect on how competitive you are in your industry. As a result, it’s imperative to understand how to minimize the various risks inherent in this system.

The Process Explained

Under the U.S. workers’ comp system, employers are required to have insurance that covers workers suffering from work-related injury and illness. Essentially, the system acts as a compromise between employers and employees: Employees receive benefits regardless of fault and, in exchange, employers get protection from lawsuits by injured employees.

“Workers’ comp insurance is based on the industry that you’re in, the size of your business’ payroll and claim experience,” says Baker. “So the insurance is based on these three things. The first is the danger or risk of your industry—for example, a roofing contractor has a higher potential of injury, so they’re paying more in workers’ comp. Then, the second factor is all of their payroll taxes combined. And ‘past claims experience’ is the only [insurance factor] where you get a credit score from a third party based on your loss history.” This credit score determines the competitiveness of your workers’ comp rates, and it’s weighed against the size of your payroll—in fact, your rate is a percentage of your gross payroll. For small- and medium-sized businesses in particular, this means that having a larger-than-normal history of individual claims and a relatively small payroll can drive up rates.

From a risk management standpoint, Baker says Cobb business owners should take precautions to protect themselves from unnecessary workers’ comp claims. “The most important first step is to not let problematic people into their company. It’s much easier to not hire someone who is a problem, or incompetent and may hurt others than to try and get them out of your organization once they’re on board, or worse, after they have had an injury. Institute background checks, questioners and drug testing before hiring.”

Instituting specific employment policies and making sure to have adequate legal representation are other ways business owners can protect themselves. “The policies they should have include a return to work program, a drug-free workplace policy, strict hiring practices, an employee handbook, formal reviews and they should offer an incentives and rewards program for no lost time,” says Baker. “All business owners should also have an industry-specific attorney who knows labor issues, as well as contractual documents.”

Baker also notes that the outcomes for workers’ comp and health care claims can be more important to employers than they are to any other party. “Be proactive and hold your insurance company accountable for their actions in managing a claim and setting reserves,” cautions Baker. “Use an agent who will be an advocate for you with the insurance carrier and will help you be involved in the process and aware of what’s going on with your reserves. Don’t find out a month before renewal that you have a $100,000 reserve and your company is dropping you.”

Hands in the Till

Of course, it would be unfair to single out America’s hardworking labor force as the sole perpetrators of workers’ comp and health care fraud. Rather, in many cases, health care fraud can occur on the health care provider’s side as well.

“A small percentage of dishonest health care providers commit fraud for financial gain, using the health care delivery system to do so,” says Howard Levinson, clinical fraud director of HealthLink’s Special Investigations Unit. “Fraud can also be committed by members and insurance brokers, medical identities can be stolen, theft occurs, but much of the fraud and abuse we investigate are committed by health care providers, whether that is a single doctor, a hospital system, a pharmacy or a medical equipment company.”

Levinson says one of the most common types of health care frauds occurs when these aforementioned fraudulent providers bill for services that weren’t actually rendered. Considering insurance companies process millions of claims annually, he explains, it’s simply unrealistic to expect that each and every claim will be precise. That means that, even in this day and age, health care providers effectively are held to an “honor system” when it comes to submitting claims. Subsequently, there’s a relatively low discovery risk for providers who make bogus claims or bill for additional, un-rendered services.

Another way to commit fraud is to misrepresent the services rendered. For instance, a health care provider could be well aware that a particular treatment isn’t covered by the patient’s insurance company. “So, instead of billing what they actually did for the patient, they misrepresent that service as something else, something that’s payable by the insurance company,” Levinson explains.

“Upcoding” is another common type of fraud. This particular form of fraud takes advantage of the fact that patient services are all assigned billing codes. The unscrupulous provider then turns in a claim with codes that indicate a higher level of care was delivered than what was actually provided. “For example, a patient may be healthy and go for a basic checkup,” says Levinson, “but the physician bills as if the patient were really sick, exaggerating how much work he or she did in order to get paid more.”

Reducing the Risk

Clearly then, one major step in reducing the risk of health care provider fraud (whether for workers’ comp cases or routine checkups) can be in how employers educate their employees about it. Employers can easily emphasize to their workers the importance of reviewing the explanation of benefits (EOBs) they receive in the mail in the wake of receiving health care services.  Levinson says it’s a simple task to train employees to scan for incorrect items or for unperformed services.

“Tell employees to check their bills and EOBs to make sure they received the services they and their insurance company are paying for,” he explains. “Too often, members throw away these EOBs without reading them because they can be difficult to understand. Employers could work with the insurance company to assist their employees in deciphering the EOBs.”

According to Levinson, employees should also be made aware of medical identity theft, whereby medical ID numbers are stolen and used to bill services to insurance companies. This type of fraud is especially devastating, because it can be an absolute catastrophe for fraud victims’ medical records. “If someone is using your medical identity to bill your insurance for HIV infusion therapy drugs, now you’re saddled with a diagnosis of HIV and a record of having received hundreds of thousands of dollars worth of drugs,” says Levinson. “You may be perfectly healthy, but it can be very difficult to clear that up and get insurance somewhere else.”

Another form of educational outreach could be ensuring employees are made aware that it’s asking for trouble to unnecessarily give out private health care information. Employers should emphasize that workers exercise caution in selecting a trusted physician with a reliable staff to reduce the risk of health care information being mishandled. “Health care fraud is a violation of your trust by your doctor, hospital or pharmacy, etc.,” says Levinson. “Anything an employer can do to instill a culture of ethics among its employees can help decrease the risk of fraud.”

Of course, this practice of education and awareness not only benefits employers, but it’s in the best interest of their workers as well. “Patients may not actually be getting the services that they need,” Levinson explains. “If you’re going to doctors whose primary focus isn’t on your health care but on how much money they can get out of your insurance company, are you getting the proper treatment? Often, when fraud is occurring, patients are not.”

What to Do if Fraud Is Suspected

Fortunately, most health insurance companies have fraud hotlines for reporting suspected cases of health care and workers’ comp fraud, no matter if the fraudster is an employee or a health care provider. Employees who notice discrepancies in their billing should be encouraged to report their concerns to the company’s HR department. “Some significant fraud investigations have started with patients calling to say they were billed for something they didn’t receive, or that the doctor only spent five minutes with them and they were billed an exorbitant fee,” says Levinson.

These practices alone can prevent tens of thousands of dollars from being wasted, and it ensures the health of workers. Along with law enforcement, health insurance investigators are actively trying to identify and prosecute fraudsters. Remember: Workers’ comp and health care fraud increase costs for everyone in the system. By being vigilant and getting employees to recognize provider abuse, Cobb business owners could see improvements to their bottom line and ensure employees’ well-being in the process.

Montana Skies Concert

Their name, Montana Skies, is a metaphor for musical freedom, and they continue to follow their creative instincts far beyond traditional boundaries. In concert, these award winning musicians delve into music from Pink Floyd and Rush to Vivaldi, and House of the Rising Sun, as well as their own originals that have been featured everywhere from NPR to the Travel Channel.

To listen to Montana Skies visit www.montanaskiesmusic.com

Date:
January 5th 2013 at 8:00 pm.

Admission:
Tickets are $12 in advance and $15 at the door. Tickets can be purchased at www.theartplace.us

Address:
The Art Place Mt. View
3330 Sandy Plains Rd
Marietta, GA 30066

Tickets can be purchased at www.theartplace.us

For more information, please call (770) 509-2700

Merchant’s Walk Tree Lighting and Celebration

Merchant’s Walk and its retailers are hosting the Holiday Walk on Thursday, December 6, 2012 from 6pm to 9pm. The annual Holiday tree lighting and celebration will feature live Holiday tunes performed by the Pope High School Band and the Walton High School Women’s Choral Ensemble, as well as an appearance by Jolly St. Nick who will be on hand to light the tree for the season and for photos.  To express gratitude to the community for their continued support of Merchant’s Walk and its shops, guests will enjoy complimentary hot cocoa and gift bags filled with Holiday discounts and giveaways.  Merchant’s Walk retailers will also provide complimentary refreshments and in-store savings exclusive to Holiday Walk guests.

The live 25′ Fraser Fir will be adorned with eco-friendly lighting as well as ornaments created and donated by the art departments of some neighboring Cobb County schools.  Inspired by the theme “Peace on Earth,” Dickerson Middle, Dodgen Middle, Mt. Bethel Elementary, Sope Creek Elementary, Timber Ridge Elementary, Walton High, Wheeler High and The Wood Acres Schools were asked to use their imaginations and artistic skills to create an ornament as a representation of their school pride.

The Holiday Walk starts at 6pm with seasonal performances by the Pope High School band and the Walton Women’s Choral Ensemble.  Santa will make his appearance in time to light the tree at 6:45pm, and stay for photos and any special gift requests from the kids.

Date:
Thursday, December 6, 2012

Time:
6pm to 9pm

Address:
1289 Johnson Ferry Rd
Marietta, GA 30068

Event activities will take place near the tree – in the center of the parking lot across from Whole Foods

Admission:
Free

The Fight for Affordable Care

Few legislative battles conjure as much oppositional ire and passionate support as President Barack Obama’s Patient Protection and Affordable Care Act, known colloquially by dissenters and supporters alike as Obamacare. While the debate raged through much of 2009, lighting up Congress, town halls, water coolers and boardrooms across the country, the bill that eventually passed in the spring of 2010 represented the most significant health care overhaul since the passage of Medicare and Medicaid in 1965.

While the bill remains largely unpopular, garnering less than 50 percent approval nationally, polling on individual provisions within the bill enjoy widespread public support, particularly when it comes to issues like allowing young adults under age 26 to remain on their parent’s health plans (61 percent support), ensuring businesses with more than 50 workers supply their employees with insurance (72 percent) and ensuring that individual policy holders cannot be denied insurance for having pre-existing health conditions (82 percent).

While strong opposition remains, history reveals that support for the bill is likely to grow, as once reviled entitlement programs like Medicaid and Medicare now enjoy widespread support among voters of all political stripes. On the heels of Chief Justice John Robert’s majority Supreme Court decision to uphold the backbone of the bill—the government’s ability to enforce an individual mandate penalizing individuals who don’t purchase health insurance—the bill, or at least some incarnation of the legislation, is expected to stand the test of time and change the face of American health care forever.

 

The Bill

The year the Affordable Health Care Act (ACA) was passed, some of the most popular provisions of the bill went live, including small business tax credits for four million small businesses, allowing states to expand Medicaid roles, providing prescription drug donut hole rebates for seniors, expanding coverage for early retirees, providing insurance to Americans with pre-existing conditions and extending coverage for young adults under the age of 26. As a result of the new law, 123,000 young adults in Georgia have obtained insurance and 100,000 people have received prescription drug rebate checks.

By 2020, 35 million more Americans will be insured, and for the first time in American history, 95 percent of all non-elderly legal U.S. residents will have health insurance. Many of the most dramatic changes in the bill are not scheduled to come into play until 2014, when national insurance exchanges will provide affordable insurance at competitive rates, annual insurance limits will be eliminated, discriminations associated with gender and pre-existing conditions will lift, small business health insurance tax credits will increase and physicians will start to receive reimbursement based on value instead of volume. While many of these provisions will have positive effects on American patients, they place intense demands on medical insurance companies, health care providers and small businesses required to cover more employees.

 

Insurance Companies

The Affordable Care Act stipulates that insurance companies will no longer be able to rescind coverage of sick individuals based on an error or technical mistake, they will no longer be allowed to institute annual or lifetime insurance caps and adults and children with pre-existing conditions cannot be denied coverage. Additionally, unreasonable rate hikes will be prevented, consumers can appeal insurance company decisions and 85 percent of all premium dollars must be spent directly on care instead of advertising or administration.

While many of these popular provisions would force for-profit insurance companies to operate in the red, the bill hopes to offset the financial losses of patient protections by collecting increased revenue as a result of the individual mandate. Like Social Security and Medicare, the ACA aims to offset the costs associated with older, sicker patients by requiring healthier, often younger individuals who are currently uninsured, to pay into the system and mitigate any financial losses they might otherwise experience.

 

Physicians

Often considered the public face of health care, few Americans will be more affected by the new health care legislation than doctors. Quantum Radiology, one of the largest radiology groups in Georgia, recognized the importance of the law when it was still just a whisper among Washington elite. “We got involved pretty early, before the act was even passed,” says Dr. Alan Zuckerman, president of Quantum Radiology, a 43-physician practice that operates out of WellStar Health System as well as several stand-alone imaging centers. “We took several trips to Capitol Hill and visited with several congressmen and senators and voiced our opinions about what should be in the bill, so even before the act was passed we had a pretty good idea of what would be in it.”

Whether someone visits an emergency room, is admitted for surgery or is examined for the presence of disease, radiologists are tasked with reading every patient film and diagnosing any internal pathologies or injuries. “What we realized early on is that whatever happened, more people would be coming into the system as patients and they are going to have insurance coverage,” says Zuckerman. “We certainly recognized the financial crunch. Health care costs are spiraling out of control and accounting for a greater and greater share of the gross domestic product, so to curb costs, the reimbursement per patient will decrease, which means doctors have to be more efficient.”

Quantum Radiology is looking to increase its efficiency by expediting services and buying supplies at a lower cost, but the real savings comes from reducing the number of exams per patient through the use of appropriateness criteria that determines exactly which scans are medically necessary. While they acknowledge that a streamlining process requires coordination with other physicians and assuaging fears of malpractice suits for scans that are not performed, such coordinated health care solutions are likely one of the most important ways of dampening costs in America’s ballooning medical landscape.

While Quantum Radiology experienced a mild increase in insurance expenses as a result of covering more employees and a new influx of dependents, such as adult children, the practice’s greatest challenges revolve around the bill’s attempts at cost control. “With the Affordable Care Act there are definitely examples of physicians being targeted,” says Zuckerman. “The CMS (Centers for Medicare and Medicaid) schedules reveal increasing downward pressure on reimbursement and there are increased taxes and fees on medical equipment manufacturers, which will be passed on to the consumer—in this case, hospitals and physicians.”

And while more patients with private insurance, Medicare and Medicaid coverage means an increase in revenue collection for services rendered, Zuckerman believes half the equation remains unsolved. “The No. 1 impact of the bill is an increase in the volume of patients with insurance, which presents a big issue. How do you bring extra patients into the system when there is already a doctor shortage?” says Zuckerman. “There will be an offset in revenue, but not an offset in time, so a doctor might be required to read 120 scans a day instead of the 100 he used to read.”

 

Health Care Systems

The nexus of the modern health care machine, the hospital system is the place where doctors, medical professionals, patients and administrators work together to form the microcosm that is modern medicine. One of the largest health care systems in Georgia, WellStar Health System has been at the forefront of monitoring the health care debate. “Even before the ACA was passed, there was a need to find better methods of population management,” says Jim Budzinski, executive vice president of WellStar Health System. “Finding new ways to serve ill and healthy populations and perform both preventive and curative medicine is all necessary for the future of medicine.”

As a company that offers insurance to all full-time and part-time employees, one of the most dramatic effects of the new legislation has been an increase in insurance costs for the average employee, both in terms of coverage expansion and an increase in dependents covered per insurance policy. “From an employer perspective, the impact of benefit cost increases for 11,000 employees amounts to roughly $1 million a year,” says Budzinski.

While WellStar remains a non-profit health system that pumps six pennies of every dollar back into reinvestments in equipment and facilities, the system likely will be required to absorb some of the costs passed on by medical device makers hit with increased taxes. “The bill also has significant Medicare reimbursement cuts tied to offsetting the cost of the expansion of Medicaid over the next 10 years,” says Budzinski, echoing some critics who forecast that nearly 15 percent of American hospitals could be forced into debt as a result of the funding cuts.

While the ACA also mandates health care savings through implementing electronic health records, WellStar is in the process of implementing WellStar Connect, a new software system expected to cost $170 million over the next five years, which will digitize all clinical information so that it will be available at 120 WellStar locations. “We believe WellStar Connect will improve quality and reduce the cost in services to the point where it will offset our initial investment,” says Budzinski.

The high cost of health care is most acutely seen in the emergency rooms across the country, where costly tests and hands-on expertise are available to anyone, regardless of their insurance status or ability to pay. Since WellStar Kennestone has the busiest emergency department in Georgia, the problem represents one of the biggest revenue drains on the health system. “We are ending the third year in a row where our uncompensated care tops out at more than $200 million,” says Budzinski. “The fact is, one out of every 10 patients our hospitals served are uninsured, and in our emergency room, one out of every three people is uninsured.”

With the adoption of the ACA and its focus on chronic disease prevention, primary care services and the overall expansion of both private and public insurance, the hope is that the cost of uninsured care will decrease dramatically. “Those individuals who designed the bill plan for these costs to go down significantly due to expanded Medicaid and other initiatives,” says Budzinski. “But the truth is, no one really knows yet, especially since Gov. Deal has rejected the Medicaid expansion due to possible cost increases to the state.”

 

Small Businesses and Senior Care

As baby boomers retire in droves, the once robust workforce will begin to strain Social Security, Medicare and Medicaid, institutions that already account for 41 percent of the federal budget. AmeriCare Georgia is one of many small businesses that have stepped up to serve the Atlanta region’s aging population with the help of 120 employees who provide companionship, housekeeping, medication monitoring, personal care, meal preparation and transportation to the elderly and disabled.

“The ACA had been on my radar for a long time, and it’s been a tough thing strategy-wise because of the Supreme Court case and the presidential election—it was difficult to know what would happen,” says Doug Lueder, owner and president of AmeriCare Georgia and the advocacy chair of the National Aging in Place Council. “But ultimately, regardless of the outcome, I want to provide health care for my employees, while still maintaining our superior care to clients at competitive prices.”

For small businesses, particularly service-based companies like AmeriCare Georgia, where employee payroll is the biggest cost of doing business, an insurance mandate can have a big effect on the bottom line. “I’m trying to utilize technology where I can to gain efficiency and save money where I can so that I can still provide insurance to a minimum of 50 percent of my employees while still not increasing my costs to clients.” Lueder cites small business tax credits as one of the ways he’ll be able to comply with the demands of the new law. “If I’m paying at least half of the health care costs for my employees, the government will pay for 35 percent of the cost, and grants are available to companies who want to start wellness plans.”

However, he notes that the bill still represents an increased cost to employers, and puts a strain on his ability to provide vital services to his already cash-strapped clients. “The economy has been tough on my clients,” he says. “Many of them are seniors who have seen their home values go down—it definitely forces employers to look at hiring strategies differently.” While Lueder says he aims to provide insurance for all his employees, many of his competitors are outsourcing their workers from staffing agencies to keep from reaching 50 full-time employees. “Staffing businesses are growing because it’s safer to use agencies and let them worry about meeting the insurance costs,” he adds.

Lueder believes one of the most positive provisions in the bill is the 2012 stipulation that expands state Medicaid roles by raising the ceiling of income to 133 percent of the poverty level, which would allow him to expand his business and serve more low-income individuals who need care. “That increase in individual household income will allow more individuals to have care, and being able to serve a larger population will be a huge plus, because right now there are a lot of people who make just a little too much to qualify for the care they need,” says Lueder, who notes that Gov. Deal’s rejection of Medicaid expansion due to the current $300 million budget shortfall puts the program at risk, and could prevent 650,000 previously uninsured Georgians from receiving coverage.

 

Controlling Costs

While the ACA is still in its infancy, and its full impact may not be felt for years, once all its provisions are in place, there is evidence that medical cost increases may be slowing. While premiums still rose this year, the average family experienced a modest 4 percent cost increase—a victory given that premiums have skyrocketed by 45 percent since 2006. However, some critics attribute this drop as evidence that recessionary workers and their families are seeking and receiving less care.

Despite the current fiscal uncertainty, the independent Congressional Budget Office calculated that the ACA would result in a $210 billion reduction in the deficit from 2012 to 2021. While nearly half of the provisions detailed in the ACA are designed to keep care affordable, one of the biggest ways to control cost is preventing insurance companies from spiking rates and ensuring they spend 80 percent of premium revenues on care instead of advertising or executive salaries.

Other cost control measures include fighting insurance and Medicare fraud, providing free preventive care to stave off costly chronic conditions and rebuilding the primary care workforce to prevent patients from seeking more costly emergency alternatives. Other focuses include improving efficiencies through digital records, encouraging integrated health systems, reducing paperwork and administrative costs, linking payments to quality outcomes, enacting taxes to promote individual responsibility and paying physicians based on value, not volume.

According to WellStar, one of the most exciting aspects of the new health care bill focuses on finding new strategies and innovative ways to create system-wide cost savings. “The ACA allows Medicare providers like WellStar to become an Accountable Care Organization (ACO), with the opportunity to manage an entire continuum of care for Medicare beneficiaries,” says Budzinski. “WellStar was one of the first to be selected and the goal of an ACO is to improve the quality of health care while bending the cost curve. We determined that out of 36,000 Medicare beneficiary lives assigned to us, 25 percent of those individuals incur 80 percent of the cost, so there is an opportunity to provide better integrated care to keep those patients healthy and out of emergency rooms and our hospitals.” Similar pilot programs across the country targeting the sickest, poorest and most underserved Medicare patients seem to show that great care can be cost efficient, especially when patients stay educated and in touch with their health so they can manage their chronic conditions, or work to prevent developing such conditions in the first place.

“Patients with chronic conditions like COPD, diabetes, heart disease and a handful of other conditions make up the most consistent patient core and present the greatest opportunity to have seamless care for these Medicare beneficiaries,” says Budzinski. “This program will allow us to continue our mission of improving care and this is just one of the opportunities that the ACA allows for in terms of bending the state and national cost curve. Without sacrificing quality, this year our cost per patient encounter adjusted for acuity was less than it was in 2008,” says Budzinski. WellStar’s success in controlling costs proves that despite an aging population, expensive emerging medical technology and ballooning lifestyle diseases, cost control in medicine might still be attainable.

 

The Future of Health Care

The Patient Protection and Affordable Care Act may represent one of the greatest expansions of consumer and patients rights—leveling the playing field for seniors, women and the sickest and poorest members of society. The provisions in the bill are designed to prevent some of the most heart-wrenching crises a family could face—a medically-induced bankruptcy, denying a child heart surgery because she has reached her lifetime insurance cap or being denied coverage for a previous incidence of cancer.

However, dramatic expansions of patient protections and consumer benefits come at a high cost—sometimes dramatic costs for small businesses that struggle to insure all their employees, doctors who must see more patients for less money, insurance companies facing regulations that could cripple their bottom line and health systems that struggle to maintain cost control and top-notch quality standards in a medical landscape innovating by leaps and bounds.

While many of the ACA’s provisions will benefit significant slices of the American population, it remains to be seen whether it, or anything, can curb the runaway cost of 21st century medicine. “There will be some positives and some negatives when you’re looking at the country as a whole,” says Zuckerman. “There will be more people in the system with insurance, and more alignments and incentives between hospitals, doctors and vendors, but the negatives will be more volume in the face of a doctor shortage and more dollars spent on bureaucracy instead of patient care.”

For Lueder, the act represents many upfront challenges, followed by a revolution in how Americans—one of the sickest populations in the developed world—view their own personal health choices and outcomes. “In the short term there will be big costs involved, but if we’re talking long term, I think it will be positive in terms of promoting health care and wellness,” says Lueder. “People will get sick less and companies will be more productive because absentee rates will be lower. People will no longer lose their homes due to medical costs and there will be long-term fiscal benefits because people will be healthier.”

In light of all the uncertainty yet to come in a rapidly changing medical landscape that just two generations ago had never heard of gene therapies, heart transplants or robotic surgery, perhaps WellStar’s Budzinski says it best: “It’s difficult to figure out the future until it starts to unfold in front of us, but we are preparing for it nonetheless,” he says. “In 2014 we’ll start to experience the insurance exchanges and Medicaid expansion, but our job is not to promulgate policy. Our goals haven’t changed. We’re still trying to deliver great quality care, improve our productivity and be efficient and good stewards of the community assets we have been entrusted with.”

Johnny Johnson

I moved to Cobb County in 1975 and in 1979  I opened Edward-Johns Jewelers.

The Story: I am a native Georgian, born in Villa Rica, and I moved to Atlanta when I was 5 years old. I graduated from Georgia State University and started in the jewelry business in 1969 with the only retail store in the Atlanta area that custom made jewelry. My wife, Anna, and I are celebrating our 43rd wedding anniversary in February.

Why Cobb? I moved to Cobb County in 1975 and in 1979  I opened Edward-Johns Jewelers. I had looked all over the north metro area to locate a store and chose to be in the Merchant’s Walk shopping center. I felt very at home there and felt that the East Cobb area would be a great place to start the business. My wife and I have always loved Cobb County and believe it to be the leading county in the state.

What Do You Love About Your Job? The thing I love most about the jewelry business is that we are generally involved in happy events with our customers, whether it is a couple starting their life together by getting married or a married couple celebrating anniversaries. We get to be involved in the birthdays of spouses, children and grandchildren. Because we create custom jewelry, we get to see the satisfied look on some-one’s face when they see a piece of jewelry created expressly for them. I particularly like to create pieces using a customer’s stones and giving them new life as a different piece of jewelry and hopefully a new family heirloom.

Leisure Time: My leisure time has changed over the years—age has a way of doing that. I love to play golf when I can, am an avid reader and am very active in Kiwanis International, having served as governor of the Georgia District and currently serving on the Kiwanis International Board of Trustees. My favorite leisure time activity has always been being involved in my children’s lives and supporting them. My daughter Jana is our store manager and our son Jerad is a teacher and coach at Pope High School. Anna and I have been absolutely blessed with four grandchildren (and one more on the way), and as all grandparents understand, there is nothing better than being a grandparent!

My Best Advice:  Treat people as you would like to be treated, and BE INVOLVED. Be involved in your local communities—give back to your area, make where you are a better place to live, work and raise your family. Be active in the many organizations in your community. Be involved in your business organizations, be part of your industry.

edward-johns.com • (770) 977-2026 • Woodlawn Square, 1205 Johnson Ferry Rd., Marietta, GA 30068