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How Does Telehealth Keep Insurance Costs Down?

Prior to the pandemic, most patients opted for in-person doctor’s visits over telehealth options. With the onset of a contagious airborne virus, telehealth options grew dramatically. New, easy-to-use options became available for nearly all health insurance providers. With the large influx of telehealth appointments becoming the new normal, what does that mean for insurance and healthcare costs?

Your Virtual Benefit Administrator Makes a Difference

Your Virtual Benefit Administrator Makes a Difference

Brokers! Choosing your virtual benefits administrator is vital to the success and care of your clients. In order to give your clients the best health insurance experience, choose an administrator that offers a wide variety of products. Your virtual benefit administrator should give your client the ability to control their healthcare at their fingertips. How can a benefits administrator, like freshbenies, help your clients take control of their healthcare?

As the benefits marketplace continues to shift and evolve, your clients need to be in control of their health care services. 

How can you help your clients gain control of their healthcare?

Help them: 

Control their spending.

A virtual benefit administrator, like freshbenies, helps your clients take control of their spending related to healthcare. freshbenies users receive bottom-line savings. All packages include Member Engagement Systems to drive member experience. The expansion and wide-use of telehealth services give your clients the care they need from the safety of their own homes at an unbeatable price. More employees opt-in when services are bundled and convenient like those from our partner at freshbenies. 

Control the time they spend navigating healthcare.

With SBMA, Transamerica, and freshbenies, multiple vendors are bundled into one invoice, membership, and point of contact. This ensures your and the client’s experience is simple and streamlined. With freshbenies your clients’ employees can forget the hassle of waiting rooms and scheduling appointments.

The included Virtual Benefits Administrator takes away the hassle. You can negotiate medical bills, find local in-network doctors, and book a telehealth appointment all in one place.

Control their peace of mind.

As a broker, you want your clients to receive the best possible benefits packages at the best price. What comes with offering benefits that provide the best care, support, and price for your clients is peace of mind. With streamlined processes, convenient and cost-saving services, and instant access to their portal,  your clients can gain that peace of mind.

Thousands of employers, of varying sizes, trust SBMA and freshbenies. You can be confident that you are receiving the best care. 

At SBMA, our insurance coverage plans offer clients coverage when they need it most, with exemplary customer service. Our employee benefits administrators offer partnerships and health coverage that are ACA compliant, affordable and hassle-free.  To learn more reach out to our team at info@sbmabenefits.com.

Your Virtual Benefit Administrator Makes a Difference

Is Zoom HIPAA compliant?

Is Zoom HIPAA compliant?

Since the beginning of the global pandemic and stay-at-home orders, Zoom’s stock has grown nearly 250% from last year. With most business meetings, happy hours, and doctor’s appointments going digital, it is important to consider whether these communication forms are safe for sensitive information. Is Zoom HIPAA Compliant? Let’s explore!

What is HIPAA Compliance?

The Health Insurance Portability and Accountability Act (HIPAA) details privacy and security standards that help protect confidential information. The HIPAA requirements for video include: 

  • Ensure the confidentiality, integrity, and availability of all electronic PHI the covered entity creates, receives, or transmits.
  • Protect against any reasonably anticipated threats or hazards to the security or integrity of such information.
  • Protect against any reasonably anticipated uses or disclosures of such information that are not permitted or required under the privacy regulations.
  • Ensure compliance with its workforce.

Telemedicine Growth increases Zoom use

The increased usage of telemedicine due to the global pandemic and social distancing requirements has caused HIPAA regulations to loosen. Doctors are now able to utilize video conferencing applications, like Zoom, to communicate with their patients. Before COVID-19, doctors had many more rules and regulations surrounding which video-conferencing apps were HIPAA compliant.

Is Zoom really HIPAA compliant?

While Zoom had a few hiccups at the beginning of quarantine with some hackers getting into meeting rooms, they now have it down to a science. Zoom now has special accounts for healthcare professionals communicating with their patients.

It is essential that health care personnel enter into business associate agreements with Zoom before using the platform for telemedicine purposes. This agreement is a confirmation that Zoom and the user are aware of their responsibility regarding the privacy and the security of protected health information.

Telemedicine is the way of the future. Not only does it keep you socially distanced during the global pandemic, but it can also reduce your healthcare costs, and provide added convenience to typical doctor visits. Want to know more about telemedicine? Contact us.

is Zoom HIPAA Compliant?

The Pros and Cons of Telemedicine

The implementation of telemedicine has risen immensely over the last few months, as social distancing requirements were put into place. Telemedicine can be a great way to communicate with your doctor in the safety of your own home. Virtual visits can be used to detect symptoms of COVID-19, fevers, rashes, cold and flu symptoms, aches and pains, minor musculoskeletal injuries, small infections, and UTIs. While telemedicine can be an effective way to treat patients, there are pros and cons to consider.

The pros associated with telemedicine include:

  • Convenience. According to a study, 74% of patients prefer easy access to healthcare services over in-person appointments. Not only does this provide convenience for all patients, but it also helps those who live in remote locations have access to proper patient care. 
  • Cost-effective options. These services reduce healthcare service costs significantly. It helps to attract new patients, reduce no-shows, and reduce overhead for physicians who decide to utilize telemedicine.
  • Patients minimize unnecessary visits. As a patient, it can be a waste of time and money to go to the doctor or ER for minor medical consultations. If your symptoms do not require an in-person visit, opt for a telemedicine appointment instead! 
  • Telemedicine can lead to improved healthcare quality. When it is easier for providers to engage with patients, and remotely track their health with monitoring systems, they can work to identify problems as they develop. 

Now, let’s look at some of the cons linked to telemedicine:

  • Sometimes in-person visits are necessary to diagnose. Physical exams are impossible over the phone, which may be necessary for the diagnosis or treatment of a patient. For example, the COVID-19 test requires a nose and throat swab, to diagnose, so you must go to the doctor physically.
  • Security concerns. With the relaxation of telemedicine requirements due to the global pandemic, security concerns may arise. Cybercriminals can hack into telemedicine systems to steal personal healthcare information. 
  • You may not know the doctor providing your care. Utilizing virtual care services may mean you have a stranger on the other end of the call. These doctors will likely be unfamiliar with you and your medical history, and it may affect the level of care they can provide.
  • Training and equipment can be expensive. Reorganizing IT staff to train and create effective equipment costs both time and money. To ensure ROI from implementing telemedicine, staff, physicians, and medical staff needed to be trained properly. 

Although there are a few things to work out within the telemedicine technology, as you work to implement telemedicine into your benefit programs, the benefits of telemedicine can make a large impact. At SBMA, we believe in the power of telemedicine. That’s why we offer free telemedicine programs in all of our benefit programs. Learn more here.

Can a Doctor Really Diagnose Over Zoom?

Is zooming your doctor the new normal?

Imagine you’re in quarantine, beginning to feel early symptoms that align with Coronavirus, yet to keep others safe you feel you need to stay home. The symptoms begin to worsen, but you still don’t want to risk others safety by leaving the house. How can you ensure you will be okay without leaving the house? Telehealth services might be your saving grace. This begs the question, can a doctor really diagnose over Zoom?

The American Medical Association is working to maximize telemedicine service options in order to revolutionize healthcare– especially because COVID-19 is highly contagious. Not only does telemedicine help keep potential Coronavirus carriers quarantined, but it also helps those who have had non-urgent medical care postponed due to the pandemic. 

These services can be extremely beneficial for those who still need to go to work, or those who have to take care of their children at home. With children home from school, it can be more challenging to leave them home with a sitter, so what does that mean if you have to go to the doctor? Well, you can just hop on a Zoom call during their nap and get the same results as going to the doctor!

So how exactly does telemedicine work?

Drs. Francavilla Brown and Boyd told AMA that telemedicine “is easier than people think it is to incorporate into a practice.” 

With technological advancements typically come progress and challenges. Physicians who have tried implementing telemedicine have identified these challenges, and have come up with a few solutions. 

One challenge is patients may not have a good signal to support their doctor’s visit. Trouble with a weak signal may make the appointment longer, or impossible for someone who really needs it. Another challenge physicians have identified is booking appointments to be a televisit for doctor’s offices. The patient must call into the office to ensure their appointment is virtual. 

While telehealth services may not be the best option for detecting major issues, it has been great for reassessing and monitoring patients who have known problems. It can also be used to adjust medications, answer questions, and share information. Patients in areas where medical resources are limited also benefit greatly from these services. 

These services also help people avoid unnecessary hospital visits, which helps to give advice at a distance, save time, and reduce costs for both patients and doctors. Not only will it help avoid hospital visits when they aren’t necessary, but it will also give patients in the hospital the ability to discharge sooner by monitoring their vitals with telemedicine.

Zooming your doctor may begin to become the new normal in a post-COVID world. At SBMA, we offer telemedicine services at competitive prices. Contact us to learn more about how our benefit plans with telemedicine services today!

Can a doctor really diagnose over zoom?

Virtual Health is Saving Lives During Coronavirus

How Virtual Health Services are Saving Lives During the Coronavirus Crisis

With the outbreak of COVID-19 healthcare workers and providers have had to come up with better ways to diagnose and treat patients. The number of patients who need to be seen for health issues both related to and peripheral to the coronavirus has put a strain on our hospitals.  It is in this environment that Telemedicine has found its spotlight. Telemedicine or Virtual Health Care is the practice of performing virtual appointments and check-ups for patients. Especially now, this keeps both patients and healthcare workers safe while continuing to provide care for those in need. This is only the beginning of how virtual health is saving lives during the Coronavirus pandemic.

Virtual healthcare has slowly been taking hold as more and more of the norm in recent years. The cost savings alone make virtual care the right choice for many doctors, hospitals, and patients.  $7 billion of physicians’ time can be saved by switching in-person visits to virtual appointments.

These days, in quarantine, many people need the ability to have their doctor’s appointments at home. Even during the best of times, for many, the convenience is key to successful follow up appointments and check-ins.  Telemedicine allows for a safe environment to ask questions, get simple diagnoses and to get prescriptions from your doctor while remaining at home.  

Doctors around the country have implemented telemedicine and online appointments to help keep all patients safe from COVID-19. Patients with a smartphone or computer can visit a provider in a secure network. Dr. Chris Davis, Medical Director for UCHealth’s Virtual Urgent Care says, “COVID-19 is quite infectious, so if you can stay home and get medical advice, that gives you two advantages. First, if you’re sick, you’re not going to be bringing your illness into a doctor’s office or a hospital. Second, you won’t be exposed to other patients.”

These changes to what we have thought of as normal healthcare have given people affordable, manageable options to care for themselves and others throughout this uncertain time. As we work to navigate COVID-19, the best thing we can do is keep ourselves and others safe from harm by ensuring we do everything we can to stop the spread.

Virtual Care and the Telemedicine Revolution

During this time of uncertainty, there has been an increase in consumer demand for virtual healthcare services, which has put added pressure on providers and payers to expand delivery options for on-demand health services.

A survey from Accenture, which included 1,501 consumers who answered questions online, found that most people are willing to utilize virtual healthcare services. For the 20% of respondents who had received care virtually, the reasons they cited most often for seeking virtual care are:

  • Greater convenience than traditional in-person healthcare services (37%)
  • Familiarity using technology to manage their health (34%)
  • Curiosity to try virtual health (34%)

Consumers said they would be more likely to “try virtual” if encouraged by a physician or familiar healthcare provider.
According to the research, today’s consumers are demanding a combination of in-person and virtual health services. More than 75% of those surveyed said they would be interested in receiving healthcare virtually some or most of the time.

What is Virtual Health?

Virtual health includes health care innovations like virtual appointment kiosks and portals, remote consultations, and electronic personal health records. These components work together to allow for easier access to care, such as virtual wellness coaching, remote monitoring, video visits, and online health chats, among several other benefits that we will examine more closely below.
Virtual health combines clinical care and professional collaboration through telemedicine, telehealth, and collaboration at-a-distance to connect clinicians, patients, care teams, and health professionals to provide health services, support patient self-management, and coordinate care across the care continuum.
Specific to physician-patient encounters, virtual health enables live and asynchronous clinical interactions, clinical practice, and patient management supported by a wide range of communication, collaboration, and cognitive computing technologies along with digital devices and data.


Benefits of Virtual Health and Telemedicine

As you can see, there are many benefits of offering Virtual Health. For patients and medical practices, the use of telemedicine technology allows patients to receive follow up care and chronic illness management from their own home on the devices they already own and use. This follow-up care is especially crucial for those who are homebound or have difficulty arranging travel.
For healthier patients, it reduces travel time and costs and requires less time away from work. As an added benefit, patients do not have exposure to other potentially contagious patients. In short, telemedicine removes many of the barriers preventing people from actively managing their health.

Here are the main benefits for most patients:

Improved Access – Not only does telemedicine improve access to patients, but it also allows physicians and health facilities to expand their reach beyond their own offices. Telemedicine has a unique capacity to increase service to millions of new patients.

Cost Efficiencies – Telemedicine has been shown to reduce the cost of healthcare and increase efficiency through better management of chronic diseases, shared health professional staffing, reduced travel times, and fewer or shorter hospital stays.

Improved Quality – Studies have consistently shown that the quality of healthcare services delivered via telemedicine are as good those given in traditional in-person consultations.

Virtual Health Care technology is excellent for providers as well. It can help extend clinical services to reach more patients efficiently and profitably. It helps improve health outcomes by increasing patient compliance with follow up and chronic illness management. Virtual Health Care strengthens patient relationships without putting additional strain on the medical staff.
There are significant benefits to medical practice, as well. By utilizing virtual health, your practice can expand access to care. It improves clinical workflows by helping your staff capture each patient’s reason for the call or visit quickly, prioritize care delivery, suggest the best treatment guidelines, and identify additional information resources. Virtual health care can also support communication along the care continuum.

What does this mean for my practice?

Technology is providing new methods to assist your clients by responding to the need for better communication. It’s also creating a competitive landscape the medical field has never seen before. Embracing this new trend will enable you to maintain your patients for years to come.

Contact SBMA for more information on employee benefits packages that include virtual health services!