You're in the Health Care Business.
Whether You Like It or Not.

The CEO's Guide shows the path to make it thrive.
Spend less and get more for you and your employees.
Book-Front

Tackling health care costs used to mean leaving employees out to dry. Not anymore.

Learn proven best practices from the smartest benefits purchasers in America and how to replicate their successes at your own organization.

When CFOs manage healthcare costs like other major expenses, great things happen.

Make employees your greatest asset by transforming health benefits from a liability to an asset.

Plus, there's no greater opportunity to drive EBITDA growth than modernizing health benefits.

CFOs I speak to are surprised to learn that in the real market healthcare prices have been flat for 5-10 years (see Chapter 2). They’re even more surprised to learn that their benefits brokers often have a dozen or more undisclosed revenue streams. Or that many procedures they're paying for aren't helping their employees at all.

I’m delighted to provide a complimentary copy of my book, as CFOs are the strongest bulwark against the American Dream getting stolen by a wildly underperforming healthcare system.

Improve your financial performance

For many organizations, adopting Health Rosetta components is one of the most direct ways to materially improve EBITDA.

It's estimated by organizations such as PwC and the Institute of Medicine that 30-50% of all health care spending is waste, fraud, or abuse. If health care is 20% of your payroll expenses, this is is like a 6-10% perpetual payroll tax on your competitiveness.

Organizations around the country, big and small, rural and urban, public sector and private, have tackled many of the sources of waste. The Health Rosetta simplifies adopting their best practices.

Here's where you can get started learning more.

  1. CEO's Guide to Restoring the American Dream: How to deliver world class healthcare to your employees at half the cost
  2. Health Rosetta Case Study summaries

The Health Rosetta is made up of specific components and strategies that enable you to repeat what others have done.

While not exhaustive, here are a few major areas likely to have the quickest and most significant impact on reducing your total spend while improving quality of care.

Components

  1. Major Specialties and Outlier Patients
  2. Transparent Pharmacy Benefits
  3. Transparent Medical Markets
  4. Transparent Independent Third Party Administrator
  5. Payment Integrity

Strategies

  1. Centers of Excellence Networks
  2. Reference-based Pricing
  3. Out-of-network Claims Settlement
  4. Unbundling Self-insured Health Plans

Note that all Health Rosetta components and strategies must be proven to reduce your spend, your employees' out-of-pocket spend, and improve the quality of care your employees receive.

Calculate the Impact

See what the Health Rosetta could do for your bottom line.

  • Must use a positive number.

Improve quality of care for your employees

Better health means less absenteeism and a higher performance workforce.

Many of the most costly diseases and procedures are also the most commonly misdiagnosed. This leads to substantial suffering by your employees and their loved ones.

  • New cancer cases—20 percent
  • Spine surgery—67 percent
  • Orthopedic surgery—up to 30 percent
  • Bypass surgery—60 percent
  • Stents—50 percent in some parts of the US
  • Solid organ transplants—40 percent

We've all had terrible customer experiences in the health care system. Much of this poor experience is the result of poor design. Uncoordinated, improperly incentivized individuals and organizations results in a jumbled mess for patients.

At best, this distracts your employees, reducing their productivity. At worst, it results in them receiving incorrect, improper, or lack of care that can seriously harm them.

Organizations around the country, big and small, rural and urban, public sector and private, have tackled this by implementing key strategies, solutions, and benefits design changes.. The Health Rosetta simplifies adopting their best practices.

Here's where you can get started learning more.

  1. CEO's Guide to Restoring the American Dream: How to deliver world class healthcare to your employees at half the cost
  2. Health Rosetta Case Study summaries

The Health Rosetta is made up of specific components and strategies that enable you to repeat what others have already done.

While not exhaustive, here are a few major areas likely to have the quickest and most significant impact on improving the quality of care your employees receive.

Components

  1. Major Specialties and Outlier Patients
  2. Value-based Primary Care
  3. Transparent Medical Markets
  4. Benefits Concierge Services

Strategies

  1. Centers of Excellence Networks
  2. Second Opinion Services
  3. High-performance Narrow Networks

Note that all Health Rosetta components and strategies must be proven to reduce your spend, your employees' out-of-pocket spend, and improve the quality of care your employees receive.

Reduce the out-of-pocket financial burden your employees face

More and more employees have high deductibles. The national average is around $1,400.

Yet, more than half of Americans have less than $1,000 in savings.

Much of your workforce may be one hospital visit away from catastrophe.

As costs have gone up, employers have had to shift more costs to employees, despite spending more on payroll than ever. It's consuming 79% of all household income growth and is on track to consume 50% of all household income by 2021.

The Wall Street Journal reported that middle-class family spending on health care has increased 25% since 2007 alone.

Organizations around the country, big and small, rural and urban, public sector and private, have tackled out-of-pocket costs with far more nuanced and effective solutions than blunt force  high-deductible health plans that often cause patients to forego care.

Instead, these organizations incentivize smart behavior, such as selecting high-value treatment options, clinicians, and facilities.

Here's where you can get started learning more.

  1. CEO's Guide to Restoring the American Dream: How to deliver world class healthcare to your employees at half the cost
  2. Health Rosetta Case Study summaries

The Health Rosetta is made up of specific components and strategies that enable you to repeat what others have done.

While not exhaustive, here are a few major areas likely to have the quickest and most significant impact on employee out-of-pocket spending

Components

  1. Value-based Primary Care
  2. Major Specialties and Outlier Patients
  3. Transparent Pharmacy Benefits
  4. Transparent Medical Markets
  5. Benefits Concierge Services

Strategies

  1. Reference-based Pricing
  2. Tiered Networks
  3. Centers of Excellence Networks
  4. Medical Tourism

Note that all Health Rosetta components and strategies must be proven to reduce your spend, your employees' out-of-pocket spend, and improve the quality of care your employees receive.

What people are saying

Early praise for the CEO's Guide to Restoring the American Dream.

Dave Chase has an industry-unique ability to identify the challenges facing our health care system in a manner that the ever-expanding and frustrated masses can quickly understand. What truly distinguishes Dave’s effort is not the failures he identifies, but the thought-provoking and tested solutions he presents coupled with his willingness to challenge payers, providers and consumers alike to demand a more-rewarding health care system.

Tommy_Thompson_1
Tommy Thompson Former Wisconsin Governor & United States Secretary of Health & Human Services

What Dave Chase has done in this long overdue book is provide a clear and extremely compelling wake up call for CEOs and CFOs to put much needed scrutiny on how, where and why they are spending significant operating budgets on healthcare for their employees—and concrete steps for how to strip out up to 30% of low-or-zero value expenditures out of this major line item.

95-Theses-Zayna-Khayat
Zayna Khayat PhD Adjunct Professor, Health Sector Strategy
Rotman School of Management University of Toronto

More and more C-suite executives see health benefits a major liability, not an asset. The CEO’s Guide to Restoring the American Dream is a life saving guide to provide employees needed healthcare in way a your CFO and CEO will applaud.

Tom_Emerick_New
Tom Emerick Former head of benefits at Walmart, BP, & Burger King

The book is packed with wisdom you can’t find elsewhere but also a nice, light style that makes it addictive. There is so much in this book that is hidden behind the many layers of obfuscation characterizing our healthcare system. As a group trying to create and then disseminate new models of care that improve outcomes and lower costs, we are continuously running into hidden barriers with insurers and also un-empowered healthcare purchasers. This book has the practical prescription for moving it all forward. I’m making it required reading at Dell Med and recommending it for our many partners.

Clay_Johnson
S. Claiborne "Clay" Johnston Dean, Dell Medical School at The University of Texas at Austin.

One of the top ten healthcare books of all time, and #1 for delivering practical advice.

Photo by Bryce Vickmark for Workforce Magazine 9/23/13 - Al Lewis of Disease Management Purchasing Consortium International, Inc at his home office in Newton, MA.
Al Lewis Father of disease management & CEO at Quizzify

Dave, you nailed it! Your message is vital for business leaders as it exposes the many dirty secrets behind the business of Employee Benefit plans. Yes, it is time to shed dependence on those who have benefited most from lousy results and demand vastly improved outcomes for employers and their employees. This is a must read to turn the tables on the benefits industry.

Eric Krieg Photo
Eric Krieg Founder & President Risk International Benefits Advisory

Get a complimentary digital copy!

Just for being a CFO!

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What the CEO's Guide provides.

A practical, step-by-step intro to create change in your organization.

It gives anyone responsible for health benefits, financial performance, or caring for employees the practical blueprint for success and the insight to ensure change is successfully implemented.
  • Acknowledgements & Author’s Note
  • Foreword
  • A Note From a Fellow Traveler
  • Introduction
  • Chapter 1: American Has Gone to War for Much Less
  • Case Study: Pittsburgh (Allegheny County) Schools
  • Chapter 2: Health Care Prices: Hyperinflation—or Flat?
  • Chapter 3: What You Don’t Know about The Pressures and Constraints Facing Insurance Executives Costs You Dearly
  • Chapter 4: Millennials Will Revolutionize Health Benefits
  • Case Study: Rosen Hotels & Resorts
  • Chapter 5: 7 Tricks Used to Redistribute Profits From Your Organization to the Health Care Industry
  • Chapter 6: PPO Networks Deliver Value—And Other Flawed Assumptions Crushing Your Bottom Line
  • Case Study: City of Milwaukee
  • Chapter 7: Criminal Fraud Is Much Bigger Than You Think
  • Chapter 8: Are Workplace Wellness Programs Hazardous to Your Health?
  • Chapter 9: You Run a Health Care Business Whether You Like It or Not. Here’s How to Make It Thrive.
  • Chapter 10: How (And How Not) to Pick a Benefits Consultant
  • Case Study: Langdale Industries
  • Chapter 11: The 7 Habits of Highly Effective Benefits Professionals
  • Chapter 12: Centers of Excellence Are a Golden Opportunity
  • Chapter 13: ASO vs. TPA – What They Mean for You
  • Chapter 14: Value-based Primary Care
  • Chapter 15: Transparent Medical Market
  • Case Study: Enovation Controls
  • Chapter 16: Concierge-Style Employee Customer Service
  • Chapter 17: High-Value, Transparent TPA
  • Chapter 18: ERISA Sample Plan Document Checklist
  • Appendix A: 5 Steps to Start Implementing High-Performance Benefits
  • Appendix B: Detailed Case Studies on the Failures of Workplace Wellness Programs
  • Appendix C: Sample Broker Compensation Disclosure Form
  • Appendix D: Health Rosetta Principles
  • Appendix E: Health 3.0 Vision
  • Appendix F: Health 3.0 Vision: Implications for Providers, Government and Startups

Just a few of the people who have helped provide content

Tom <br>Emerick

Tom
Emerick

Benefits Purchasing

Ran benefits at Walmart, BP, & Burger King. Authored Cracking Health Costs.

Ron <br> Peck

Ron
Peck

Benefits Advising

Sr. VP & General Counsel, The Phia Group LLC

Julia <br> Hutchins

Julia
Hutchins

Benefits Advising

Chief Operations Officer and Co-founder at Apostrophe.

Jeanne <br> Pinder

Jeanne
Pinder

Technology

Founder and CEO of ClearHealthCosts

David <br>Contorno

David
Contorno

Benefits Advising

Founder of E Powered Benefits

Brian <br> Klepper

Brian
Klepper

Benefits Advising

Principal at Healthcare Performance, Inc. & Worksite Health Advisors

Adam <br> Russo

Adam
Russo

Benefits Advising

Co-founder and CEO of The Phia Group, LLC

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