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HomeMy WebLinkAboutClear Blue 2006 cD r., V 0- • E co o o = . ca, - C 1 ‘1111100 a rblue LE , a, = io = co ... ,-, ,-■ 4, cu cTo . \ 0 . .. .' a., i c 5 (1 2 ..„... -\:\ k -mole I ....." .4......., 4+;vorvitifi: . AP' ........ ..... ', .........,_ 1. 4c . A.., . . . ............_ ' \AI i h 1 , \ , IA164'1\ 4 1 4119•! .,. —■— , _ ... —41r--"P"---- Alik, • . ,,„ , ■ . ■ ■ IlliT ikA 4114111; V . \ - 1 , • \\ 16n. . t 1 ,C04,00. \S \ .... . 0 7'fr 0'''' # , • / ' ' ,.-■ / 4% 4 0 , / . ,- / ; 1 ! 4„ , 4 11101 - 1 \ 11k . t °"'''''' 1 _. $ tt • t.1/41i li 1 . ., r ill ' 1 t , . t f , t 4 > / / I k \ \\ ' ) , •\ . i 4. t,,, .1 Ilii 0 . 1: 5 i 1 *N' . ■ 4 ccab [ ue 2006 EDITION CLEARBLUE IS PUBLISHED ANNUALLY BY BLUE CROSS AND BLUE SHIELD OF MINNESOTA MARK W.BANKS,M.D.,CHIEF EXECUTIVE OFFICER to> PUBLISHER Richard Neuner ASSOCIATE PUBLISHER Karl Oestreich MANAGING EDITOR Lynn Brown DESIGN DIRECTOR Anne Knauff ART DIRECTOR/DESIGNER Kristine Siiro Shovein DESIGNERS Roger Gefvert Paul Jensen • Peter Kowler AD WRITER Dan Faber COPY EDITOR Kathy Ericson PROOFREADERS Denise Chambers Liz Maly Ann Ruehling Joanne Vruwink PRODUCTION Luanne Owen COORDINATORS Mary Trego TRAFFIC Denise Chambers COORDINATOR CONTRIBUTING David Ellis PHOTOGRAPHERS Peter Kowler John Noltner Joe Treleven CONTRIBUTING Brian Jensen ILLUSTRATORS Andy Powell ■0o> PLEASE SEND QUESTIONS OR COMMENTS ABOUT THIS PUBLICATION TO: Lynn Brown,ClearBlue Managing Editor Blue Cross and Blue Shield of Minnesota Route N189 P.O.Box 64560 St.Paul,MN 55164-0560 Blue Cross and Blue Shield of Minnesota,Blue Plus,BlueLink TPA and the Blue Cross and Blue Shield of Minnesota Foundation are independent licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. Blue Cross and Blue Shield of Minnesota is proud to be an equal opportunity employer. www.bluecrossmn.com On the cover:Maryann and Dick Newman photography by Joe Treleven F7384R04 contents2000 t ,.. 14. 11111. �, ''''',...., • it - . ..••= iir . .... P w r i ( \\ 4 Ny it 10E4 i * i _ 61Ik r 11- . [ features ] 20 Al Heaton: `Drugs are my life' Al Heaton,PharmD,R.Ph.,puts his good humor to work while representing 4, Blue Cross at pharmacies across the state. I it 34 Taking the ride of their lives Dedicated Blue Cross employees and family members participate in the Red Ribbon Ride to help raise money and awareness for people living with HIV/AIDS. 38 Unions: Raising the bar, supporting laborers 1 Unions raise the bar for quality and craftsmanship and provide union members < with important benefits,including health care. 42 Meet Heather Stoufer, Mankato district office `dynamo' Blue Cross employee Heather Stoufer fuels the momentum of our Mankato district office. 9 44 A place called Rondo: A story of remembrance and loss Rondo Avenue in St.Paul was lost to urban expansion more than 40 years ago. But the memory of this neighborhood lives on. 46 YWCA St. Paul: Reaching into the community, molding tomorrow's leaders The Youth Achievers Program enables children and teenagers to reconnect I ' with their past,improve their present and plan for their future. 5o Breathing easy in Minneapolis One year later:Blue Cross takes a look at the impact of the smoke-free workplace ordinance in Minneapolis. 2 dearblue C • fltents200o ' .41), "4"--'" , ..a• r r 1l.. ':444404% r it i % ^A ,,..,,„ ..,° 'H .. .., r or ., , , t„,:,,,i,, . I ,t a 91 _ n. ,' ~iX 6 0 , k \11,.. [ departments ] 5 Speaking Clearly A word from Blue Cross Chief Executive Officer Mark W.Banks,M.D. 6 The ClearBlue Interview I Talking with Blue Cross President Colleen Reitan Colleen Reitan,president and chief operating officer,offers insights from the executive office. 12 ClearBlue Essay I Bringing business home Making the leap from corporate America to a home-based business can be daunting.For Mark and Pam Werley,the risk was worth it. 16 Investment in prevention I Finding community through a collective voice Healthy Together:Creating Community with New Americans helps immigrants connect within their new communities. 22 Special Feature I The secret to living life well Medicare member Maryann Newman is a picture of health,but that good health is hard-earned and involves ample doses of family,fly-fishing and fun. 26 Special Feature I Meet Richard Rasmussen, M.D. Dr.Rasmussen's career journey ultimately led him to Willmar,Minn.,and to a grateful population of seniors who thank their lucky stars to be in his care. 28 Special Feature I Reaching out to Medicare members most in need Minnesota Senior Health Options is a vital program that combines Medicare and Medicaid benefits and community services into a seamless program. 56 Engage I Giving others the gift of better health Year after year,Blue Cross employee and lifelong volunteer Linda Erdman, R.N.,shares her medical experience with the people of Honduras. 59 2005 Annual Financial Highlights clearblue 3 1 1 is is 1 1 1 ack 1 H 7 1 7 1 1 1 .., „ / ...i ... 1 ,„. ,,,, op, „.., ii. ,, 1 1 . , /,, , 1,. , , ., ,_ 1 ,.,, 1 , „.,„ , 1 . , f, ,/ .... . . . 1 Nine times in the operating room.Diabetes.Heart attack.Arthritis.Yet what he's really concerned about is his golf handicap of 15.With his wife, Sue,and the attention and expertise of his nurses in the BluePrint for Health°care support program,Jack is getting the help he needs to manage and monitor his health conditions.But when it comes to his golf game,he's on his own.The care support program from Blue Cross and Blue Shield of Minnesota has helped thousands of people like Jack.Your health—it's what we're about.Life.Live it well. oo° 10 lib BlueCross BlueShield lUle CrU%sPANO of Minnesota ©2006 Blue Cross and Blue Shield of Minnesota An independent licensee of the Blue Cross and Blue Shield Association bl uecrossm n.com I [ speaking clearly ] i1 Celebrating five years of ClearBlue This is the fifth issue of ClearBlue,our unique version of a corporate annual report.And I'm pleased to see how it has evolved since its inception. Through ClearBlue,we pay tribute to the many heroes across our state who dedicate their efforts to advancing the health of Minnesotans. ClearBlue gives us an opportunity to shine a light on members,corporate customers,providers,agents,employees,grantees,community '1 and our other valued stakeholders. I" It's my hope that the stories in ClearBlue motivate and inspire you as they have inspired me. For example,my hat goes off to members like Maryann and Dick Newman(featured on page 22),who support each other's healthy lifestyle choices and are pictures of good health.I'd like to congratulate the Werleys(featured on page 12),who took a risk,believed in themselves,and r started a home-based marketing firm.And I'd like to commend all the employees featured in • r this issue of ClearBlue(featured on pages 6,20,34,42 and 56).I'm proud of the contributions i you make to the community and our workplace. Here's to an exciting year ahead.Look forward to a full report in our next issue of ClearBlue. rr r: Wishing you good health, r rl Mark W.Banks,M.D. Chief Executive Officer Blue Cross and Blue Shield of Minnesota rll II clearblue 5 iry f • { When Colleen Reitan was named president and chief operating officer (COO) of Blue Cross in September 2005, her family might have been the only ones surprised.After all, she had already served in a number of senior leadership positions in her 20-year career at Blue Cross,including strategic planning, business development, provider network management and, most recently,as executive vice president of operations.She had been the president and CEO of Blue Plus, the HMO subsidiary, for five years, and she had been recognized on more than C one occasion as an outstanding Minnesota business leader. In 1999, she was named to the "Forty Under Forty" list by the Minneapolis-St. Paul Business Journal, and in 2004 Reitan was named to the "Women To Watch" list of business leaders. it C [ by Richard Neuner and Karl Oestreich I photography by , r _ 1 ', VIII II "I have faced the same challenges we all face; meeting ClearBlue: Executives sometimes say that as their careers II the demands of work, family and social commitments, progress,they feel further and further removed from the while striving to make a positive impact in all three areas," reasons why they entered that field of work in the first Reitan told the Business Journal in 2004. "My husband place.Has this happened with you? 1? Pl? Y and I have alternated roles during our marriage, depending on the needs of our careers and family. We decided to be Reitan:No,thankfully,it hasn't.I' ve been fortunate that flexible and create our own rules on what would make my personal beliefs mesh well with the nonprofit mission of our partnership successful. This has worked well for us." Blue Cross.Our real purpose as a nonprofit organization is to Reitan lives in St. Paul with her husband David, her improve the health of our members and all Minnesotans— son Eric (a college freshman) and her daughter Hannah not to generate profits for shareholders.In some ways, (a high school freshman). I've felt closer to that purpose the more responsibility I've taken on. Blue Cross is a very values-based organization.Like many employees at Blue Cross,I keep our corporate values of When Colleen Reitan began her career in 1980,she wasn't integrity,compassion,social responsibility,financial n Co e g ons responsibility and continuous learning much in necessarily planning to focus on health care.However,the P �'an contnuous earn g ver Y Amherst H.Wilder Foundation in St.Paul proved to be a mind.As a result,I feel I'm able to make business decisions wonderful place to learn about what's really important in in a way that stays true not only to my own values but to people's lives.The Wilder Foundation operates programs the reasons why Blue Cross exists in the first place.Making that help children succeed in school,older adults remain good decisions that are both values-based and business- independent,troubled youth create healthy futures,and based is important to me.As my career has progressed,it's individuals and families maintain long-term housing."At one of the areas where I've also enjoyed mentoring other the Wilder Foundation,I was exposed to a variety of health emerging leaders. care issues,and that was when my interest in the industry Y first took root:'Reitan said. From the Wilder Foundation,she joined InterStudy,a I FEEL I'M ABLE TO MAKE BUSINESS DECISIONS health care"think tank"founded by Dr.Paul Ellwood,who I N A WAY THAT STAYS TRUE NOT ONLY is often considered the father of the health maintenance TO MY OWN VALUES BUT TO THE REASONS WHY organization(HMO).Reitan says her time at InterStudy was invaluable and that the ideas being developed there 20 BLUE CROSS EXISTS I N THE FIRST PLACE. or more years ago have now been widely adopted through MAKING GOOD DECISIONS THAT ARE BOTH VALUES programs like the federal Medicare Modernization Act. BASED AND BUSINESS-BASED IS IMPORTANT TO ME. "I was able to meld my experience from the Wilder Foundation with what I gained at InterStudy and to think seriously about the design of health and social programs;" ClearBlue: What keeps you interested and engaged in Reitan recalled."I have always thought that it is important your work? to find opportunities in your present job.The next oppor- Reitan:I feel good about working for a company that has tunities will take care of themselves:' a business purpose of improving the health of the people Reitan joined Blue Cross and Blue Shield of Minnesota and communities it serves.That motivates me on a daily in 1983."I have had tremendous opportunities over the basis.Most people see the value in having health care cov- entire span of my career;'Reitan said."During the course erage and other services that can help them live healthier of my 20-year career at Blue Cross,I have served in a variety lives.It also helps motivate me that many family members, of roles,each of which has helped me understand the neighbors and friends have health care coverage from health care business and our customers better?' 8 clearblue Blue Cross,so I hear about their experiences with us first- I BELIEVE VERY STRONGLY THAT IF WE FOCUS OUR hand.That helps me stay grounded and focused on serving IMPROVEMENT EFFORTS AS A BUSINESS our members. ON THE MEMBERS' EXPERIENCE WITH US, ClearBlue:How do you describe your current role when REALLY LISTENING TO THEIR IDEAS OF someone asks you about your job at Blue Cross? WHAT WE CAN DO BETTER OR HOW WE CAN MAKE Reitan: Really,my job is to take business strategies and THINGS EASIER, WE CAN NEVER GO WRONG. make them real.For example,we believe at Blue Cross WE'LL ALWAYS BE WORKING ON THE RIGHT THINGS. that consumers are going to play a larger and larger role in making decisions about their health care,both financially and in terms of choosing the most appropriate,highest- Reitan: There's a lot in health care today that was never quality care.That's a big change for most people,and most designed with consumers in mind.For example,many would say they need our help. people may not really understand how their insurance So,my job is to help answer some key questions:"How benefits work and why some things are covered and others does Blue Cross play a role that is helpful but not unwelcome? are not.How many people realize that there can be as much How do we share health care information with consumers as a 30 percent difference between what two hospitals charge and teach them how to use it to better their lives?How do for the same service?The new Medicare prescription drug we create a different kind of experience for our members benefit that went into effect the first of this year is another so that we're not just answering the question they may call good example.In many ways,it was designed more for us with,but we're taking the time to understand what health insurance actuaries to understand than for ordinary their problem or concern really is?" people like my parents.Most people in Minnesota and Of course,I don't do this alone.I have a lot of confidence across the country found it terribly complicated and in people,and I'm surrounded by a very dedicated team confusing.Everyone who tried to make sense of what plan that is motivated by many of the same things I am.My job to sign up for and which option was best for them came away is to keep them focused on the important work and to saying,"There must be a way to make this less complicated?' support them however I can. At Blue Cross,we're looking at everything we do and ClearBlue: How do you define the"member experience?" trying to keep the consumer in mind.Are we making this simple to understand?Are we sharing information that Reitan:The member experience is how we talk about our members care about,or is it just information that we all the ways in which a Blue Cross member interacts with find interesting,as health care insiders?The scores that us and we with them.Every time someone goes to the Blue Cross members give us on our customer service tell doctor and presents his or her Blue Cross ID card,every us that we're having some success.However,there's a lot time they get a statement from us,every time we mail more work to be done in all of these areas. them something about health improvement,and every time they contact us about a program or with a question, ClearBlue: Experts say that health care is the last sector of we are either making their health and health care easier,or our economy that is not consumer-friendly.Why is health we're falling short in some way. care as complex and confusing as it seems to be? I believe very strongly that if we focus our improvement Reitan:Three reasons come to mind for me.First,most efforts as a business on the members'experience with us, people get their health benefits through an employer,so really listening to their ideas of what we can do better or they're not as connected as they are in other areas of their how we can make things easier,we can never go wrong. lives about ways to save money or how to shop for quality We'll always be working on the right things. and value.They know what their deductibles and copays ClearBlue: How can Blue Cross influence the member are,and that's often about it. experience in a positive manner? clearblue 9 e e Second,although we talk about a"health care system," much of it is really a cottage industry.We have 138 hospitals and nearly 13,000 doctors in Minnesota alone(not including radiologists and pathologists).They all have their own ways of keeping a patient's medical information,their own information and billing system,their own way of doing business with a health plan like Blue Cross.This adds a lot of cost and complexity for everyone,especially the consumer. And finally,health care is a heavily regulated industry, so complexity gets"baked in"in some ways.There's a lot we do that we know could be made simpler or easier to understand,but ifs a requirement of law to do things that way. ClearBlue: What's the single greatest strength of Blue Cross that you inherited in taking over your new position as president? f ( \ I Reitan: Blue Cross enjoys a very positive reputation ;± \ 1 among most people,a far stronger one than any other health plan.I've had many times in my career when I would tell someone I work for Blue Cross,and they would tell me how Blue Cross was there for their family when �� 1 \\` someone was injured or seriously ill.As the only statewide I ` health plan in Minnesota,we're a part of every single / community.The strength of the Blue Cross brand is a ' business asset that can never be taken for granted or under- 1 estimated.It gives us an obligation to live up to the high r 1 / / standards that people have for us.At the same time,it e ; ` allows us to do unique and innovative things like our 1 , THE STRENGTH OF THE BLUE CROSS BRAND IS A BUSINESS ASSET THAT CAN NEVER BE TAKEN FOR GRANTED OR UNDERESTIMATED. IT GIVES US AN OBLIGATION TO LIVE UP TO THE HIGH STANDARDS THAT PEOPLE HAVE FOR US. • Prevention Minnesota initiative,for which we will be investing more than$240 million that we gained from our settlement with the tobacco companies in an unprecedented campaign to reduce cancer and heart disease in Minnesota. No one but Blue Cross could take on a challenge this big or have the confidence of people in the state to do it right. r r r Bringing business home g g For some aspiring entrepreneurs, making the leap from working in corporate America to owning a home-based or other small business can be a daunting ` experience. Concerns about managing expenses, particularly health care and insurance expenses, may create mental stumbling blocks. However, perception does not mirror reality as it relates to insurance options for small-business owners. There are, in fact, reasonably priced, high-quality health insurance solutions out there for budding business owners, a number of which are offered by Blue Cross and Blue Shield of Minnesota. ClearBlue asked Mark and Pam Werley to share some of their experiences as small-business owners, parents of two young boys, and Blue Cross consumer- directed health plan members. This is their story. Mark:In 1993,I started Werley Marketing Consulting out I came from a pretty secure work environment at of a spare bedroom in our home with a desktop computer General Mills.There's a lot of social and financial support and one client.My parents thought I was throwing away you get from a corporate job to the point that you think: my career.And my wife,Pam,who was working in market "Our family can't live without this.I just have to keep on research at General Mills—while very supportive—also working in this job to provide a foundation."Health seemed to share at least some of my parents'skepticism. insurance is a good example of that foundation at work. Well, 12 years later,not only is the business thriving,but One reason I was so reluctant to consider going out on my Pam and I now work together,and we've moved up—well, own was that,for the 10 years after Mark started the business, technically down—into a basement office with real office I felt it was my responsibility to provide us with health furniture.We call it our"world headquarters."We really coverage.It was a real barrier for me. enjoy the work we do,the interesting clients and challenges, Mark:Our business is about helping people and or aniza- P gP P g and the little bit of extra freedom our business allows us tions—from entrepreneurs to Fortune 500 managers— to be with our two boys both at home and school. be more disciplined and strategic in their marketing chal- Pam: g g Pam:Making the decision to start a business is challenging, lenges.We do marketing strategy,market research and new and I can attest that it's not for everyone.But I think the product development for companies in a variety of industries. key is to understand why you want to do it,think about For example,we have supported companies like Best Buy, what you realistically bring to the table and—most Kemps,Ecolab,St.Jude Medical and General Mills.We work importantly—confront what you think are your barriers. with big companies,but we also really enjoy working with [ by Teresa Novacek I photography by Joe Treleven ] clearblue 13 smaller companies,as well—like Let's Dish,a very young together binders for client presentations.They've even Twin Cities firm that's created a new spin on grocery been known to give us some ideas for products and names. shopping and meal preparation. Mark:There has been a shift in corporate America that Pam:Mark brings a comprehensive business perspective has helped the independent consultant establish more of a to our clients from his background in both finance and foothold and garner more respect and credibility than was marketing.He graduated from Colgate University with a B.A. the case when I first started this business.Back in those degree in economics in 1980 and began his career in days,consultants like myself felt they had to hide the fact commercial banking with Manufacturer's Hanover Trust, that they worked from home,making themselves look lending to the garment industry in New York City's West bigger than they were.Now,however,Pam and I have Side.During graduate school at Wharton,his MBA con- been warmly welcomed as independent consultants.We centration was in entrepreneurial management,and after have a business that we are proud of,and we never need to graduating in 1986,he joined General Mills in product hide the fact that we are small.In fact,our size and flexibility management.He worked on established products like are key advantages for many people who hire us. Fruit Roll-Ups and new products like Oatmeal Swirlers. Mark focuses on marketing strategy,including marketing WE HAVE A BUSINESS THAT WE ARE PROUD OF, plans,branding and customer insight efforts. AND WE NEVER NEED TO HIDE THE FACT Mark: Pam's specialty is new product development and THAT WE ARE SMALL. IN FACT, OUR SIZE market research.She's also got an eclectic background. AND FLEXIBILITY ARE KEY ADVANTAGES After graduating from Minnesota State University Mankato FOR MANY PEOPLE WHO HIRE US. in 1986 with a B.S.degree in business administration,she joined General Mills,first as a programmer analyst in information systems.Her last 10 years at General Mills Pam:But back to those barriers I mentioned earlier.Before were in market research for the"Big G"breakfast foods I left General Mills in 2002,I was the sole source of our and snacks divisions.Pam worked on teams that developed health care insurance.Even though I only worked part time, and commercialized several important new products, so I could spend more time with my family,the company- including Frosted Mini Chex and Milk'n Cereal Bars. sponsored health plan came in very handy.It was scary to Pam is particularly good at taking marketing teams with leave that security behind.One day,Mark just said,"Look, a new product challenge from a"blank page"through let's just find out how much it costs to cover health care concept development and testing. independently and then deal with the numbers?' Pam: So if you haven't guessed already,we met at General Mark:We learned after talking with our insurance agent— Mills in 1987—on a company-sponsored ski trip in a guru on health insurance for small businesses—that Michigan.We were married in 1990 in Kansas City,where with at least one employee,the business would qualify for my parents lived.We have two boys:Michael is 11 and small-group rates,which wouldn't cost us that much more Zachary is 8. (and quite possibly less)than what we were paying for Mark: The boys'school,Deephaven Elementary,is just up Pam's employee health plan.The choice wasn't that hard to make after reviewing all the facts. the road,and one thing we really enjoy about our work is g that we get to see them off to school,welcome them home Pam:By purchasing our Blue Cross consumer-directed and be available to volunteer in the classroom more regu- health plan,a world of options opened up for us.Today, larly than if we commuted to an office farther away. we manage our health care spending and make choices Pam:Mark and I co-coach Michael's community rec about where we want to go for our care with no network basketball team,which is a lot of fun.And the boys are restrictions.We can see any doctor we want with our plan. certainly getting an education in family-run business. We are in charge of our health care,and it's a great feeling. They're great with the three-hole punch machine and putting 14 clearblue '� P Mark:With all that extra choice,however,we need to decided on ER because his reaction was looking more always balance the cost of care so that we can make the severe with each passing moment.When we got to the best decisions for our household.Even so,it hasn't been ER,Michael was in tough shape.He had tightness in his difficult to think about our health care needs and then throat and was very flush.The ER staff gave him a shot of plan ahead,even for the unexpected.We have learned a lot epinephrine and,later,a second one and suggested that he along the way.And the plan is really working well for us. stay overnight.While I never questioned the medical It's just a different—more active and involved—way of necessity in this case—the need was painfully clear to all thinking about health care. of us—I did wonder for a moment to myself,"How much will this cost?Well,I guess I will find out when the bill arrives:'With our high deductible,we certainly had to WE HAVE LEARNED A LOT ALONG THE WAY. pay more for the bill,but we were able to use a portion of AND THE PLAN IS REALLY WORKING WELL FOR US. our health savings account to help defray the costs and ► IT'S JUST A DIFFERENT — make it a more manageable expense for us. MORE ACTIVE AND INVOLVED — WAY OF THINKING Pam:Other than that one incident,I think our health plan ABOUT HEALTH CARE. has actually helped us save money.Right now,we all go in for our regular check-ups,which are free under our plan. II We know from experience that if a big event occurs for 11 Pam:One thing I have found that has been a big change one of us or the boys,we will be ready.We know what for us is talking more with our doctors about medical things cost,and that has made all the difference in our necessity.Sometimes,I'll ask flat-out,"Is this a`nice to have' health plan budgeting. I "I test,or is it a necessity?"I am on a mission to educate our What I like most is that I don't have to worry about doctors about our health plan because many still assume our health care.I love that Mark and I work together from that"insurance will cover it."While that is true in one home and have extra time with our kids.We are living our respect,we are the ones who have to pay for the service as life more on our own terms. an out-of-pocket expense that will go toward our high deductible.When the doctors and nurses learn this,I have WHAT I LIKE MOST IS THAT I DON'T HAVE TO WORRY found that they are very receptive and more creative in ABOUT OUR HEALTH CARE. how they think about the care they provide us. I LOVE THAT MARK AND I WORK TOGETHER Mark:Rest assured,we aren't cutting corners with care or FROM HOME AND HAVE EXTRA TIME WITH OUR KIDS. compromising our health.We're just being smart about all WE ARE LIVING OUR LIFE MORE the decisions we make.Yes,we have had to think about ON OUR OWN TERMS. things more in terms of cost.But as a small business,we were doing that anyway.It's just one more extension of our expense report.In the times that we have needed care Mark: I encourage anyone who wants to live the small- for Michael and Zach or ourselves,we have always gotten business lifestyle to go out and confront the perceived it from the appropriate provider.Fortunately,we are very barriers.I know the concern about health care is a stumbling healthy people. block for many people who want to take this leap.But it's However,we have learned that even a healthy family something of a myth that,because you're small,you can't will have unexpected care needs.The most vivid experience get good insurance.You can.Ask around,do your homework, for me was New Year's Day 2004,when I was eating cashews. search online ... and go for it.Starting our own business Our eldest son,Michael,was curious and wanted to try was easily the best decision we ever made for our family. some.Wouldn't you know it,moments later he started to have a reaction.We were headed to urgent care but then I I Ili clearblue 15 [ investment in prevention ] • 1 I 1 ' I It 1 • . • 1 . • • • Webster's dictionary defines community as "people with common interests living in a particular area." But when you're new to a community, how do you find people with those common interests? And how do you become part of the community when you don't speak the same language? III r iResident Hmong professionals,who have their own stories services and programs,immigrant led organizations are I to share,facilitate the conversations. partnering with the mental health system to help more "We've found that we have a collective Hmong voice immigrants get the services they need. � now that earlier refugees didn't have,"said Laura LaBlanc, director of youth and family services for Hmong American Building internally to serve better externally Partnership."We thought that mental health screenings could A second priority area for Healthy Together funding be a helpful tool with Hmong refugees but recognized that involves building the capacity and strength of immigrant- II the practice wouldn't work.Our Hmong staff,consultants led organizations.As immigrants become established in I and the community helped us develop the welcoming circles new communities,they form mutual assistance associations: as an entry point into American social services and mental organizations that provide culturally appropriate services health services.We found that we needed to start with I I and assistance on jobs,education and a host of other conversations first:' issues,as well as opportunities to interact with others in i I their community.These organizations tend to reflect the "BUT HOW LONG DOES IT TAKE mission and cultural practices of their founders.And people THE HEART AND MIND TO CATCH UP? in leadership roles often hold positions of great respect in their communities.At the same time,boards and executive I 1 i THE ANSWER TO THAT QUESTION IS UNIQUE I directors may face challenges associated with organizational 1 I TO EACH PERSON, AND OUR 'CIRCLES' growth,fund development and management,changing HOPE TO HELP PEOPLE WORK regulations,and unfamiliar nonprofit requirements and THROUGH THE PROCESS." practices. "Healthy Together grants will help these important bridging organizations strengthen their governance, j The welcoming circle concept fits with a culture that management and finances;increase their ability to work places great emphasis on relationships and defining one's effectively in partnership with others;and build their I � � future through relationships."As you age,your relationships 1 capacity hand infrastructure to sustain mission-driven I change,"said LaBlanc."For example,you're a child,a sibling, work over the long term,leading to healthier communities," a spouse,a parent.Newcomers to Minnesota have to rede i P P said Ancheta. fine their future in a way that's more task-based—finding 1 a job and a house.And these tasks require new kinds of Integration is a two-way street ,, relationships.This can be very stressful for refugees?' Hmong American Partnership works with both refugees A third funding priority of Healthy Together is to promote and foster exchanges between new Americans and their and immigrants."One difference between an immigrant , and a refugee g ee is that immigrants visualize their new future receiving communities. , and then the body follows,"said LaBlanc."For refugees,their "For long-term adjustment,immigrants need to become arrangements are made,the airplane ticket is purchased, active civic participants and engaged with public policy- makers ,said Ann Morse,program director of the h is here.But how long does it take the heart P g and the body g Immigrant Project with the National Conference and mind to catch up?The answer to that question is g Policy I I rant Poli unique to each person,and our`circles'hope to help people of State Legislatures(NCSL)."At NCSL,we work with I I h the refugee and immigrant organizations throughout the country work through process?' g P Hmong American Partnership is one of several funded to help newcomers learn how to navigate government systems and get involved in the policy arena earlier rather organizations helping new Americans become socially 1 connected in their new communities.In addition to provid- than later." ing culturally and linguistically appropriate mental health With a Healthy Together grant,NCSL will conduct roundtable discussions among agency representatives, i8 dearblue 1 I Vq I • public and private;immigrant organization leaders;and Moving toward a new, healthier Minnesota policymakers."We'll map out what's going on in a commu- Our communities are changing.How we define health is nity and look at what needs attention in the policy area;' changing.All three Healthy Together funding strategies said Morse."Immigrants bring lots of strengths,and they are untapped resources for solving their own issues. reflect the Blue Cross Foundation's purpose to look • People know best what they need themselves:' beyond health care today for ideas that create healthier communities tomorrow. Several other funded organizations are exploring creative ways to build healthier communities and bring new "As Minnesota reinvents itself demographically,we have Americans and established residents together throughout a greater need to make the connections that improve the • health of individuals and entire communities;'said Ancheta. the state,with projects in the Twin Cities metro area, For details about specific Healthy Together grants,visit Blackduck,Faribault,Mankato,Owatonna,St.Cloud, Willmar and Woodbury. www.bluecrossmn.com/foundation and select About Us, then Our Grantees. • l as a IS ■ ' - i i .---iN lit , • ` ;: l ,,sr . fla „ft M +a i�` F n I ' ir..„. 4 ititit\ /16 1 i 1 I ✓A Y ; Ci w I 4.4,Y"R 1; 11 ,.: t 5rel."--- Nit , I\ilik , ' / * it P ,,,.,,1111,,, 1 16, 9 iiiiiik ..4 _Ai .... 1,11■L Al Heaton : m ' Drugs my` Dru s are life' ,4 P t vr . This may sound like an odd statement, but it's Heaton's interest in medicine and teaching collided when actually okay when attributed to the director of he was in first grade.One Christmas Eve in the early 1950s, . Heaton became unresponsive.He was diagnosed with a pharmacy for Blue Cross and Blue Shield of rare form of meningitis and was put on the new"wonder Minnesota. Al Heaton, PharmD, R.Ph., is a self- drug"at the time,penicillin.`Blindness consumed my life proclaimed class clown who puts his good for almost a week,"said Heaton."The first memory I have . humor to work while teaching college students, after my sight returned was of my first-grade teacher,the `tyrant;Miss Berry.Miss Berry had one rule in her classroom: r making presentations and guest appearances no chewing gum."Being the troublemaker he was,Heaton . around the country, publishing articles in admitted that he never listened to that rule,as well as a . national publications, and representing Blue few others for good measure.But the first present he got Cross at pharmacies across the state. after regaining his sight was a toy car with a stick of gum hidden underneath from none other than Miss Berry. From this experience,Heaton learned how both medicine and teaching could affect people's lives for the better. I I [ by Denise Chambers I photography by Joe Treleven I 11111 1.1 I "Have I not defeated my enemy when I have Various other physical activities fill Heaton's limited made him my friend?" —Abraham Lincoln free time.He was a baseball player from a very early age and, although his sons(ages 28,24 and 17)no longer play,he After realizing how penicillin saved his life,Heaton began spending more time in drug stores."I was fascinated by still enjoys the sport.His 17-year-old,Mike,is a successful drugs;'he said.In fact,he still is.One of his favorite activities high school football player,so Heaton joins him in the weight room whenever he can.Even though he has one I. while traveling the state is making stops at small-town drug marathon under his belt,he prefers daily walks and espe- stores and pharmacies."On my way home from my farm cially loves walking around the Shoreview lakes on warm near the Canadian border,I take the back roads just so I summer weekends. can stop in and say hello to some of my favorite pharmacists," r. Heaton said."Direct contact and interaction with others in the industry is an important aspect of my job."And "I HAVE THE BEST PHARMACY JOB IN THE STATE. Ir Heaton works hard to build positive relationships."I make THE ABILITY TO AFFECT THE HEALTH OF PEOPLE myself available anywhere,anytime;'Heaton said. I N MY ROLE IS PROFOUND. I ENJOY HELPING PEOPLE." Heaton's outgoing nature also extends to his co-workers. According to Mary Berger,principal business analyst for r Blue Cross'pharmacy division,"Al very cheerfully counsels A distinguished career path co-workers on symptomatology,medical therapy and r appropriate dosage,and he always makes sure they were Heaton spent 18 years at United and Children's Hospital rcharged the correct drug copay amount." as a clinical pharmacist.In addition,he became a clinical r After being a pharmacist for more than 30 years, assistant professor at the College of Pharmacy and an Heaton developed an appreciation for"one at a time" adjunct faculty member at the School of Public Health, rinteraction,as he calls it.In a pharmacy,people step up to both at the University of Minnesota.Heaton began his I'' the counter one by one to receive their consultation,and Blue Cross career in 1983 as a pharmacy consultant.Ten according to Heaton,it's an approach that works well in years later,he became a full-time employee with a Blue rmany other settings."One-at-a-time interaction is rewarding;' Cross pharmacy affiliate.In February 2003,Heaton came r he said."It is about being effective in what you do,not back to Blue Cross to begin his current position as director r simply efficient?' of pharmacy,and he continues to teach at the University of Minnesota as an adjunct. r "Speak softly and carry a big stick; and Knowing all aspects of pharmaceutical and insurance ryou will go far." —Teddy Roosevelt business was an asset for Heaton as he developed his current Heaton admires the paradoxical business and leisure lifestyles position.He has created three goals for himself in this of former President Theodore Roosevelt.Heaton's day-to-day position and works hard each day to achieve them: rwork is very mental,much like Roosevelt's was."Al is 0 Strive for affordability of prescription drugs 0 Provide accessibility of pharmacies,especially in . extremely intelligent,and has a brain like a steel drum," rural Minnesota Berger said."I think he remembers everything he has ever © Ensure appropriateness of prescription medication r read."Because of the very mental nature of his work,Heaton r indulges in physical hobbies,just as Roosevelt did.One of In whatever he does,Heaton enjoys working with people ` Heaton's favorite pastimes is"full-contact gardening;'he and helping them live a healthier life."I have the best Ir says,laughing about a recent trip to the urgent care center pharmacy job in the state,"said Heaton."The ability to and the faintly noticeable scar on his forehead that resulted affect the health of people in my role is profound.I enjoy from an overestimation of his own"brawn"and a garden helping people:' waste dumpster. I. dearblue 21 r - r . The secret to living life well ► In many ways, 74-year-old Medicare member Maryann Newman and her 79-year-old . husband, Dick, are the pictures of good ,, health. But that good health is hard earned r \ and involves ample doses of 1) physical i.. 4 activity, 2) good nutrition, 3) fly-fishing, 4) family, and 5) fun.And it's a healthy balance that the Newmans are committed to main- , N . � taining for the rest of their days. "We want / \ a good quality of life," said Maryann. "And ' we work at it together." r \ , h 'lh / . f — ( Love at first sight.441 !` _ Since first meeting on a blind date arranged by Dick's • i sister in 1949,Maryann and Dick have been insepara- t ble.The running joke in their family is that Maryann's . mutual love of fishing was what helped hook Dick. "On one of our earlier dates;'he said,"I took Maryann • i / I t) / • fishing on Lake Minnetonka.It was January.The . ,, ‘iii temperature was 15 degrees below zero,and we weren't even in a fishing house.She never complained . 1 r \ i. once.I knew then that Maryann was the one for me." • 4 Maryann and Dick's 56 years of wedded bliss " . have resulted in three children,seven grandchildren, rs countless fly-fishing trips,and 40 years of member- _ ship at the YMCA.The Newmans put the latter to use five days a week,participating in aerobics classes, \ —t body-flow classes and core-conditioning programs. r r r [ by Teresa Novacek I photography by Joe Treleven ] r clearblue 23 r p • • The Newmans may very well be the oldest members in next day—even though,our endless errands can seem their classes but that doesn't bother them one bit."Dick like a lot of work,"Maryann said."We have the time to and I love to start our day at the Y;'said Maryann."Most enjoy each other,our family,our friends,and everything people in our classes are in their 40s and 50s,but we have else that is important to us." no trouble keeping up with them:' Active is the only word that can be used to describe the Newmans,who still fly fish any chance they get."The A healthy understanding wonderful thing about fly-fishing is that you can do it all Praised by their doctors for their lifestyle choices,Maryann your life,and we have set out to prove just that;'said and Dick don't take their health or health care for granted. Maryann.The Newmans have traveled the United States r With all the changes in Medicare,in particular,there is and Canada in search of North America's best"fishing even more reason for seniors like Maryann and Dick to holes,"including remote locations in Minnesota,Montana pay attention and plan ahead for all the possibilities. and the Canadian provinces of New Brunswick, "When I turned 65,I researched five different health Newfoundland,Nova Scotia and Prince Edward Island. plans,"said Maryann."I used a 14-column spreadsheet to Most recently,Maryann and Dick went fishing in Alaska, r compare costs and benefits,even if they were benefits I where they caught rainbow trout,dolly varden and silver didn't yet need.I ultimately chose Blue Cross for my coverage salmon."We lost track of all the fish we caught on that but not until after I knew all the facts." trip,all catch and release.We always have a wonderful time being out in nature together;'said Maryann. Like many retired Minnesota seniors,Maryann and "WHEN I TURNED 65, I RESEARCHED FIVE DIFFERENT Dick are"snowbirds,"living in southwest Florida from HEALTH PLANS. I USED A 14-COLUMN SPREADSHEET January through April."Being retired is truly wonderful;' TO COMPARE COSTS AND BENEFITS. I ULTIMATELY said Maryann."It's amazing how many friends and family CHOSE BLUE CROSS FOR MY COVERAGE BUT NOT UNTIL we have in Florida,"she added."It's a party all the time. AFTER I KNEW ALL THE FACTS." We have to come home to Minnesota each spring to rest up after all the fun:' However,according to Maryann,comparing the facts can be a confusing challenge for many seniors and their loved Looking to the past to preserve the future ones.And that's why Maryann has made it her personal As part of a special project in their golden years,Maryann crusade to help other seniors understand their options and Dick have traveled the world to learn more about their and responsibilities.Taking her advocacy a step further, family heritage and genealogy.Their research has taken Maryann also serves on the Blue Cross Senior Advisory them to Finland,Sweden and France so far.Who knows Council,which is comprised of 10 seniors who have Blue where it will lead them next?Perhaps,next up for the Cross as their insurance provider."I'm not exactly sure why Newmans will be Switzerland and Germany,where some I was invited to be on the board.I must have made an of Dick's lineage can be traced."We started our genealogy impression on someone after calling with so many questions searches for our grandchildren so that they would know over the years,"Maryann teased."I like to be involved on what their heritage is—God fearing,musical and family the board.We have a great group of seniors who talk oriented is what we have found,along with a few black about important health care issues.I feel like I get more sheep;'said Maryann."It's important for our children and out of each meeting than what I give:' grandchildren to know where they came from so they can pass it down.This is our legacy to them.To us,our family Retired and loving it history is just as important as our health history." Retired since 1988,Maryann and Dick are busier now than they ever were."We have the time to do all the things we want,and we never have to worry about going to work the clearblue 25 1 . ., _ 1 .. , ,, , r „ . ii ii -A 4* . i .. ,..„ , ,, , : [Meet Richard Rasmussen, M.D.] Caring for seniors in rural Minnesota x 1 4 .__ i ' ' ilit 4 i; k • 1410 . ,, , / -.), 4 • Growing up in Minneapolis, Minn., The making of a world-class doctor Richard Rasmussen, M.D., was Dr.Rasmussen attended the University of Minnesota for always a healer at heart. From a both his undergraduate and medical education.His wife young age, he had formed a osi- p and he attended high school together,but didn't actually tive view of physicians. Many of his friends' fathers meet until two years after high school graduation while were in the profession, and after seeing what they working at the same summer job.They were married four did, Dr. Rasmussen was hooked. Motivated by the , years later.After graduating from medical school in 1971, lessons his family and friends taught him about giv Dr.Rasmussen took an internship at the University of ' ing back and helping those in need, Dr. Rasmussen California-Los Angeles hospitals for one year and then pursued his passion for medicine, which ultimately completed his three-year residency in internal medicine led him to Willmar, Minn., and to a grateful popula at Mayo Clinic in Rochester,Minn.An avid learner, Il ' tion of seniors who tell him that they thank their Dr.Rasmussen then went on to complete a master's lucky stars every day to be in his care. "I was encour- j degree in preventive medicine and public health at II aged by my high school chemistry teacher, several Harvard University in 1976. II professors and many other people to pursue medi- Upon graduation from Harvard,Dr.Rasmussen and tine," said Dr. Rasmussen. "It was their words that his wife packed up their belongings and"came home"to gave me the confidence and drive to make it as a ' Minnesota.The Rasmussens relocated in Willmar,where successful physician." , Dr.Rasmussen accepted a position in internal medicine at l by Katie Kava I photography by John Noltner I Willmar Medical Center,which later became known as problems become critical."We have seen our treatment Affiliated Community Medical Centers(ACMC).There, approach decrease hospitalizations because the nurse is Dr.Rasmussen launched his career,caring for patients of out there treating patients before they become seriously all ages from across central Minnesota.And as he and his ill,"said Dr.Rasmussen. patients grew older together,his medical focus began to shift more to the unique needs of the area's senior population. AU in a day's work A typical day for Dr.Rasmussen and his nurse practitioner Leading the way for quality senior care partners involves interaction with many patients—upwards "Seniors are highly respected in Willmar because of their of 25 patients a day for Dr.Rasmussen alone.Dr.Rasmussen contributions to the small-town community.It's truly an balances appointments with his ACMC hospital,dialysis honor to work with them and learn about their rich lives," and clinic patients with visits to nursing home residents to said Dr.Rasmussen."And as I grew older,I wanted to focus see how they are doing.In addition,a nurse practitioner on how to improve my older patients'care,especially for might also manage a daily load of approximately 25 to 30 those in nursing homes." patients of his or her own.Plus,the nurse practitioner is Dr.Rasmussen would be the first to admit that creating involved with care coordination for 30 or more other noteworthy innovations in care for seniors isn't something patients managed by other medical professionals. he's been able to do alone.He credits his team of ACMC According to Dr.Rasmussen,with the long hours come care partners—especially Ann Wiborg,R.N.,M.S.N., countless rewards.As is the case in most small towns,everyone C.N.P.—for supporting him every step of the way."Long knows everyone in Willmar.That means Dr.Rasmussen ago,Dr.Rasmussen recognized that there was a significant has cared for nearly every senior in town.And in his mind, clinical component in nursing home care,"said Wiborg, giving them all personal attention is an absolute must. who is now director of patient care services for ACMC. Wiborg wholeheartedly agreed,"Nursing home residents Based on the special care needs that Dr.Rasmussen learned and our at-home patients love the fact that someone comes about from nursing home residents,he and Wiborg worked to them and cares about what they need.It's important together to develop a care model for ACMC that focuses that we focus our energy and efforts on maintaining dignity on the provider,nurse and patient relationship in a more and quality of life for these patients." coordinated way.Through the acclaimed service model, the nurse and doctor collaborate to provide on-site care A doctor on the go and supervision to patients in nursing homes and at-home A father to four grown children,Dr.Rasmussen knows settings.For example,the care team actually makes house what it's like to constantly be on the move,balancing an calls.This personalized approach to care ensures better active family and fast-paced medical career.For the past health outcomes and communication for everyone 20 years,however,Dr.Rasmussen has given new meaning involved,including a patient's loved ones. to the word"move"by training for an average of six Key to the program's success,according to Dr.Rasmussen, triathlons and other races each year.When training, is the nurse practitioner,who is in the best position to make Dr.Rasmussen starts each day by running five to six miles. personal visits when the doctor has a full patient load at And in the summer months,he swims one mile in open the clinic or hospital."I have overwhelming confidence in water every other day.While that might sound exhausting the nurse practitioners I work with,"said Dr.Rasmussen. to most people,Dr.Rasmussen says it's good therapy for "It's their knowledge of the patients that makes this program him and has always helped him recharge for the benefit of work so well."Patients and visiting nurse practitioners his wife,children and patients.13 form a close relationship.And the nurse is able to notice slight changes in health or behavior and treat them before clearblue 27 1 'I Ir REACHING OUT r to Medicare memuers moss iii need r In many ways, Minnesota is a model state when it comes to designing innovative public r health programs and social services. For example, Minnesota is ahead of the care curve, providing community-based options for the state's most vulnerable Medicare population: frail, elderly members with low incomes. One such innovation is a demonstration program called Minnesota Senior Health Options (MSHO), which combines Medicare and Medicaid benefits and community services into a seamless program for individuals who qualify. iF r [ by Teresa Novacek I illustration by Andy Powell ] ' clearblue 29 r 1 Providing care and services closer to home Offering personalized care coordination , "MSHO is a unique program that brings care and corn- As a hallmark of the program,each SecureBlue member is I munity support closer to home for Medicare and assigned a care coordinator to assist with questions,corn- Medicaid members across the state,"said Beth Nelson, munity service referrals,interaction with providers and • a manager in Blue Cross'government programs area. insurance companies,and any other care-related con- Originally launched on a limited scale in 1997 for the cerns.The care coordinators are part friend,part advocate • Twin Cities metro area,MSHO is a growing special-needs and part advisor for SecureBlue members,providing a • plan that is contracted through the Minnesota more personal touch."Care coordinators have direct con- Department of Human Services and the federal Centers tact with the seniors and,in many ways,are in the best 0 for Medicare&Medicaid Services.MSHO is administered position to assess how they are really doing at home,"said el by various health plans,including Blue Plus(Blue Cross' Jodi Wentland,social services supervisor for Otter Tail HMO affiliate).And for some MSHO members who County Human Services."What many people don't realize reside in nursing facilities,their primary care clinics will is that seniors have more than just medical care and related .• ensure care coordination. service needs.There might be mental health issues,chemical 4 Because of its history of successful collaboration with health concerns,financial barriers,and formal and informal county agencies,Blue Plus has chosen to contract with support issues to consider.By staying in close contact,the counties to provide local care coordination services to care coordinator can learn about these issues and help many of its members who are enrolled in MSHO."The members find resources to meet their specific needs." county approach we have developed for MSHO makes Nelson agreed,"We know having a trained care coordinator perfect sense because we have the systems in place to pro- within the member's own community goes a long way to vide members with transportation,nutrition,home improving health and quality of life:' health care,and other vital services;'said John Dinsmore, For more information,visit www.dhs.state.mn.us. director of Otter Tail County Human Services.Nelson 1 added,"Our experience working with the counties has been wonderful.There is truly a benefit to having public , health and social services staff in the same geographic area 1 as the members who participate in this program,called 1 SecureBlue." I al L ro More about MSHO r By design,MSHO consolidates all payment sources for cu' , Medicare and Medicaid to eliminate paperwork and w confusion for eligible members and their providers.The .9 Pescu> u 1 program also coordinates nursing home,assisted living, j x home health,community services,case management, ro ! , equipment other s programs that . �� : . be unique to each county.Beth Nelson explains,"This _ ./ coordination allows for an integrated care delivery system that creates greater efficiencies for everyone involved, ■ - 1 especially members and their providers." V tip e. o,�tr,e'-f/ �0{�� 3o clearblue "N9► � r II ,., ', :11 Medicare ioi With the"aging of America,"more and more people are E Home health care services searching for information about Medicare,either for E Hospice services themselves or an aging or permanently disabled relative. E Chiropractic services More than 42 million Americans are enrolled in Medicare, E Podiatry services including 700,000 Minnesotans.The program is administered E Outpatient mental health care by the U.S.Department of Health and Human Services E Outpatient substance abuse care under the Centers for Medicare&Medicaid Services. E Outpatient services/surgery The newest addition to the Medicare family,the Part D E Ambulance services prescription drug benefit,is provided as a federal program €Emergency care through various insurance companies as the contracted E Urgently needed care coverage providers.Blue Cross and Blue Shield of Minnesota E Outpatient rehabilitation services is one such contracted company. E Durable medical equipment Medicare is a national insurance program for people E Prosthetic devices who are age 65 and older and eligible to receive Social E Diabetes self-monitoring training and supplies Security.It is also available to people under age 65 but who E Diagnostic tests,X-rays and lab services may have certain disabilities or select health complications. For more information from Blue Cross: Medicare is an essential government program—we are Visit www.bluecrossmn.com all touched by it in one way or another. Call Monday through Friday,8 a.m.to 4:30 p.m. The various parts of Medicare:. Central Time: Medicare Part A(hospital coverage)pays for eligible Current Blue Cross members: inpatient hospital,skilled nursing facility and hospice care. (651)662-5020 or 1-800-531-6686 Medicare Part B(medical coverage)pays for eligible TTY/TDD: 1-888-878-0137 physician,outpatient and preventive care services. Prospective members: Medicare Part C(private Medicare Advantage health (651)662-5682 or 1-800-711-9874 plans)provides benefits for medical and hospital care, TTY/TDD: 1-888-878-0137 as well as prescription medication. For more information about Medicare: Medicare Part D(the new prescription drug plan) Visit www.medicare.gov provides benefits and discounts for eligible outpatient prescription drugs. Call 24 hours a day,seven days a week: Important benefits that Original Medicare includes: 1-800-MEDICARE(1-800-633-4227) E A one-time"Welcome to Medicare"physical exam TTY: 1-877-486-2048 E Routine cancer screenings and certain immunizations E Doctor office visits E Inpatient hospital care E Inpatient mental health care E Skilled nursing facility services clearblue 31 °\ .„ Blue plans collaborate -4 to offer regional M Medicare solutions ~- it ., if In July 2005,Blue Cross and Blue Shield ■•a `�¢# • y ••• of Minnesota announced the formation , '•' c�,d �;• • •• ,. of the Blue Cross Blue Shield Northern ® d• �'r::4;. �'� Plains Alliance,which is designed to serve �� • •• Medicare-eligible members who live in Minnesota, •°`� o :93 ' ��• :,"' •' +vr ` • C1 • c ` • Iowa,Nebraska,South Dakota,North Dakota, •�•• • `'c s• • ` :,.' .:• ,:• T,It IP Montana and Wyoming.Nearly 2 million people in • ® �•.; • ,,' 4`�. al the Northern Plains region are eligible for the • • • s� - •• Alliance's Medicare products. -c •• • ® �• E' • • The Northern Plains Alliance enables Blue Cross to• • • '•e •• 4 • and Blue Shield of Minnesota to serve as a Regional • 4' tr• Medicare Preferred Provider Organization and to •• t.. ``'t..> A n ' '° • et•pr s rti• ) offer Medicare Part D prescription drug coverage •• x s..r ' ' £ ` "` in Minnesota to current and new members.With n r - •I• the approval of the Centers for Medicare&Medicaid - • *40 t •, •z: Services,open enrollment began Nov. 15,2005. • • • •g' • ny a• • e • • • G . ••0 tf5 • ,� And as of April 2006,300,172 members were • • ,; 0 er a • S. • a o T • as enrolled in the alliance's products. • '., , ;. '' a .. ° 4 a ,-- "We have a great opportunity to reach a large ••0 • z _ ': � c ° = • population of Medicare-eligible consumers and W�'• _ . a° a v • ,• provide them with the exceptional service that makes • ; .g 4 •� } ,, ,,xr.r L":4• •• e •r•.; •' ; ,-,tom"a • Blue Cross and Blue Shield of Minnesota the health • �- n ,,. ®b 7 , plan of choice for our more than 2.7 million mem- :• • ., • bers;'said Mark W.Banks,M.D.,CEO of Blue Cross • • • •'• e -. .. • !t It • {'' e e t and Blue Shield of Minnesota. • - • e • •The Northern Plains Alliance consists of seven �� I �" R r r •a • e•,• Blue plans:Wellmark Blue Cross and Blue Shield _ III ... r • of Iowa;Blue Cross and Blue Shield of Minnesota; N w $ ,a • v • • Q e• Blue Cross and Blue Shield of Montana;Blue c I 0 , Cross and Blue Shield of Nebraska;Blue Cross Blue Shield of North Dakota;Wellmark Blue Cross Dakota and Blue Cross and Blue Shield of S llori. \Blue Shield of Wyoming.© ■■■■ : -3< ■■■■■ each plan is an independent licensee of the Blue Cross and Blue Shield Association. 111111111111Pe � r \ . 4\ ,; t j • Ift* I, 1 \ }- �+ \ y z • • 4 1 II ..1•; ,* s. pry is?, � ` / ) wr- . . , , \.• \I eS • t\1• e•C . '1 - lakingride . . tilt t •, - ,.., ..,„, . ,„, „... ....ijilfillillIt r J ., >,. .fir 'ai ..+� `�.vr • tiw�� , ., ,.., J. r r- �. L I'''s , t , � "'gym '' 1,. ,. 'rw t e + ., `a LI) ,,,L ink With a passion to help raise money and awareness for people living with HIV/AIDS, seven Blue Cross employees and family members participated in the third annual Red Ribbon Ride. The group called III themselves Team Blue and collectively raised $15,000 and pedaled 300 miles for their cause in July 2005. Joe Briol,principal business analyst,was the team's leader and what my fund-raising efforts can yield,"he said,"so and organizer.He's participated in the event for the past this year,I'm training a little harder and pounding the two years and considers it one of the single most important pavement more aggressively to raise money.My goal is to things he's ever done."I ride because I want to bring raise$3,000." f awareness for HIV/AIDS back to the forefront,and I also Team Blue was one of three corporate teams that par- like to have fun,"Briol said. ticipated in the 2005 Red Ribbon Ride.In total,224 riders While most people wouldn't consider a four-day bike and 145 crew members raised more than$500,000 to fight trip across southern Minnesota with temperatures in the AIDS and support educational efforts."We have an 90s and a heat index that reached record highs their idea incredible group of participants who create a team spirit of"fun,"Briol called the ride itself a party and is currently unlike any other,"said Kari Johnson,ride director."The looking forward to the 2006 ride,which will be held July ride is a place where you find friendship,"Johnson added. 13-16."After last year's ride,I felt inspired to raise the bar The fun and camaraderie keep participants like Briol a little higher.I know how much my body can withstand coming back. :ar a..0 , a `'` Team Blue was one of three i. .f S ii . corporate teams that participated , 4.1111r in the 2005 Red Ribbon Ride. From left to right:Jean Hawkins-Koch, IKristi Adamson,Joe Briol, Stephanie Shaw. 1 1 Each rider is required to raise a minimum of$1,500 in Admittedly,Shaw signed up for the event not quite „ donations.Nine different AIDS service organizations in knowing what to expect and wound up getting more from Minnesota benefit from the money raised.They are: it than she ever imagined."I really challenged myself.This E African-American AIDS Task Force was a big thing for me,and I did it!"she exclaimed."I E AIDS Care Partners tackled every hurdle along the way,and I found out what E The Aliveness Project I am capable of in the process.I raised$2,650,which was j I E Clare Housing 77 percent higher than my original fund-raising goal. E Hope House of St.Croix Valley Considering that I was afraid to ask other people for E Minnesota AIDS Project money,this is quite an accomplishment,"Shaw said. E Open Arms of Minnesota To prepare herself physically in 2005,Shaw took part E Park House in a number of training rides beforehand with other Red E Rural AIDS Action Network Ribbon riders."Each time I went on one of those rides,the following words ran through my head:`What doesn't kill 1'' A long and winding road you makes you stronger.'These training rides were difficult, and we were exposed to extreme cold,rain,wind,hills and The Red Ribbon Ride starts at Mall of America and ends burning sun.But in the end,all that tough training saved with closing ceremonies at the Richfield High School in me.I rode the entire distance without once having to get Richfield,Minn.In between,riders loop down through off and walk my bike up a hill."With her inaugural ride Eagan and Hastings to Lake City,Rochester and Faribault behind her,Shaw is gearing up for her second Red Ribbon and back up to the Twin Cities,passing many a corn and Ride."I wouldn't miss it for the world;'she said."The Red soybean field along the way. Ribbon Ride was the high point of my summer."CD To pass the time and try to forget about the sweltering heat and big hills ahead,financial underwriter Stephanie HIV/AIDS resources Shaw sang during the 2005 ride.She and a group of four women she met along the way formed a quintet called the E Minnesota AIDS Project AIDSLine Synchronized Singing Cyclists."We belted out anything www.mnaidsproject.org we could think of from the late 1950s to tunes of today," (612)373-2437 or 1-800-248-2437 she said."We had a fondness for Motown tunes and John E The Red Ribbon Ride Denver songs.Sometimes,people passing our little group www.redribbonride.org would sing along or make requests.I was surprised that I (612)822-2110 remembered all the words to the Helen Reddy song`Delta Dawn.'Who knew?"she quipped. 36 clearblue I LINIONS • Raising the bar, supporting laborers LABOR UNIONS ARE UNIQUE. No TWO ARE ALIKE. THEY EACH HAVE A DIFFERENT FOCUS, SERVING DIFFERENT GROUPS OF WORKERS. BUT THERE IS ONE THEME COMMON TO ALL • UNIONS: THEY REPRESENT AND SERVE • MEMBER LABORERS. • FOR 27 YEARS, LUIGI ANDRETTA, A SHEET- i METAL WORKER FROM ST. PAUL, HAS BELONGED TO THE SHEETMETAL LOCAL 10, WHICH COVERS MINNESOTA, NORTH DAKOTA AND SOUTH DAKOTA. LONG-TERM UNION STATUS LIKE ANDRETTA'S IS SOMETHING THAT MANY WORKERS ASPIRE TO, BUT IT REQUIRES A LOT OF HARD WORK AND PATIENCE IN A SOMETIMES VOLATILE ECONOMY. "THE UNION FINDS YOU A JOB," SAID ANDRETTA. "BUT • IT'S UP TO YOU TO HOLD ON TO IT." • An eye for quality Unions raise the bar for quality and craftsmanship by a full laborer in the union.After journeyman status is requiring union members to complete extensive training. achieved,ongoing training is an option many union The aspiring laborer first attends technical college for one laborers consider."We are always learning,"said Andretta. year to establish a thorough understanding of the business. "We have to so we can stay on top of our industry."In A three-year(8,000-hour)apprenticeship follows,along return for all the additional training the union workers with more than 200 hours of night school.Then,the title must complete,they are able to earn higher wages than of journeyman is granted as the final step before becoming non-union workers. I' y [ by Denise Chambers I photography by Joe Treleven ] " 38 clearblue 1 el, d �! f ;; , L t �" f , 44.1 - _ . : : - AP* ,..zi' 44, , 1 ,, . '` � n � il� �' � T7 ilir, I ,* � _ 1- 4, a r. ,,. Creating the , , . ,. , i. r 1 ir .,. iik . .• , , • ,toc.:.:t,..... -„,,. . ., for Healthier 1 1 4 'I 1 i , it ,N 'Ilk Communities 1 li tt ‘ ‘‘ 14e. 3. A I. Celebrating 20 years and$20 million awarded as the I II - , 4Iiii: ; '''' NN state's largest grantmaking foundation to exclusively dedicate I _ its assets to creating healthier Minnesota communities. ,x ii the foundation BlueCross and i BlueShield of Minnesota vov -. Looking beyond health care today for ideas that create healthier communities tomorrow. (651)662-3950•toll free 1-866-812-1593•www.bluecrossmn.com/foundation Benefits that count More about collective bargainir Taft-Hartley Health and Welfare Plans are unique to Collective bargaining is the negotiation p unions,as is the collective bargaining process."The Taft-Hartley funds that provide various union benefits unions use to reach agreement with repre of labor and management.Equal represer are contingent on the collective bargaining agreement of both groups allows for checks and bala between the union and management,"said Matt Winkel, encourages dialogue and compromise am owner of Wilson-McShane Corporation.Wilson-McShane and management.The outcome of collect is a national provider of third-party administration services for Taft-Hartley-negotiated benefit funds for a as aform formal is then filtered to the rest of th variety of unions,including those representing the con- struction,supermarket,printing and trucking industries. Wilson-McShane's goal is to provide pick-and-choose benefits for self-funded employers and union groups I 40, with the lowest possible administrative costs.Wilson- McShane works with a number of health plans,including Blue Cross, BlueLink TPA work Blue Cross and its affiliated third-party administrator, BlueLink TPA,to tailor health plans for union trust funds. together to serve laborers When joining a union,a laborer is enrolled in t he Union trust funds are considered"self-insu benefits package chosen by the union trust fund.Family which means they take on the financial risk I coverage is an option that laborers can also select. health plans.BlueLink TPA,Blue Cross'bra According to Craig Sandberg,president and business affiliate,partners with trust fund administr; manager of Sheetmetal Local 10,the benefits are typically a shared processing arrangement to admini comprehensive and equivalent to what many large funds'health plans. employer groups provide their employees."We have BlueLink TPA works with 36 Taft-Hartle, approximately 5,000 members who receive very corn- trust funds currently,including more than 1 petitive health,dental,eye care,short-term disability total health plan members.Blue Cross provid and retiree benefits,"he said.Andretta agreed that the these union members with access to its eater benefits are top-notch.He said he knows a number of local and national network of providers,as v now-retired sheetmetal workers who devoted many It the global BlueCard®network.With relocati years to their trade and are now reaping the benefits of travel common among many union workers, their union's pension programs and retiree health plans. laborers have the peace of mind that they wil Vacation hours,however,work a bit differently within covered outside Minnesota and around the ti a union.Each worker pays into their own time-off fund. Regardless of tenure with the union,each ix After that fund is established,then the laborer is entitled pays the same dollar amount into the union t to take vacation time."Dollar banks"work much the fund for benefits coverage.The fund works h. same way.A dollar bank is a personal reserve for laborers ensure those dollars are spent wisely on behal who become unemployed.If there is money remaining all union members."I'm glad we've got Blue in the reserve,the laborer can maintain coverage until coverage,"said Andretta.cou s "I save a lot with my I the dollar bank runs dry.Many union workers think of thanks to the discounts I get." this as the emergency fund they hope they never have to use."This industry is tough to plan,"said Andretta. III .o�"You're at the mercy of what's happening because the seasons are always in flux.It's good to have options you can count on when things are out of your control."r eet Heather Stoufer, ankato district office 'dynamo' Consensus is that Heather Stoufer is top-notch in her role as administrative assistant for Blue Cross' Mankato district office, keeping all the wheels in motion for agents and clients in southern Minnesota. Her office hours are from 8 a.m. to 4:3o p.m., and she crams as much as possible into her workday without ever missing a beat. I I Ask people who work with Stoufer to describe her,and the Taking her learning to the next step word that comes up most often is"efficient."Even when With an aim to please,Stoufer enrolled in a weeklong asked to describe herself,this is the second word that comes to mind.(The first is"reliable:')So what does it take to course and passed the health/life licensure test to further keep the Mankato office running smoothly and efficiently? her knowledge of the health insurance industry.It's this According to Stoufer,it takes a lot of things,including a kind of willingness to learn that positively affects Stoufer's love for the job and a passion for helping people. relationships with agents and customers."Heather's "I take pride in my work.I have a positive attitude,and proactive approach is key for us in managing our group that goes a long way in serving customers,sales staff and and agent relationships,"said Jim Fedson,large group agents,"Stoufer said."I'm also very organized and detail sales lead."Heather is always willing to help out in any oriented.People always comment on how clean my desk way she can.This includes starting the proposal process is.I'm able to prioritize and manage my time well:' when a request comes into our office,following up with agents on missing underwriting information,sending Exuding dependability, initiative, motivation proposals to agents,and ordering enrollment kits when a group is sold.With Heather,you never have to wonder if Good companies know dependability,initiative and the job is getting done right;'Fedson said. motivation are some of the most valued characteristics to find in an employee.These traits can't easily be learned in Bringing good humor to work a college course or through on-the-job training.They are At the end of the day,Stoufer says it's easy to be a good attributes people have within them.And when someone exhibits these special traits,people really stand up and administrative assistant when you work in a good office. take notice. "The people I work with are like family;'she added."We "Heather is a huge asset for us in sales,"said Monica treat each other with respect,and we like to have fun." Engel,sales manager."She always has a smile on her face Birthdays and service anniversaries are celebrated with treats,funny stories are shared,and recognition for good or in her voice over the phone.She is very responsive, hardworking,accountable,and she frequently goes above work is commonplace.According to Stoufer,it's this healthy and beyond our expectations.She is also very willing to dose of play and camaraderie among co-workers that make take on additional special projects to help the team." the Mankato district office a nice place to work. [ by Lynn Brown I photography by John Noltner I clearblue 43 A PLAC E CALLED RONDO : # 1 ' A STORY OF REMEMBRANCE AND LOSS r II I r Rondo Avenue in St. Paul, Minn. — the soul of our capital city's largest black community — was lost to urban expansion more than 40 years ago. But the memory of this neighborhood has lived on in the hearts of many, including the hundreds of African-American residents who were displaced when bulldozers cleared the path for what is now Interstate 94, as well as the thousands of others inspired by Rondo's story. • r r r "THE HUNGER FOR THE OLD DAYS IS SO GREAT THAT IN 1983 Aq GROUP OF ST. PAUL PEOPLE STARTED AN ANNUAL CELEBRATION r- ` e r' CALLED RONDO DAYS IN AN EFFORT TO REMEMBER AND RE-CREATE - -, AT LEAST THE ATMOSPHERE OF OUR COMMUNITY. I SHARE THAT 1 '111 ♦ . HUNGER. IT MAKES ME WRITE STORIES." - EVELYN FAIRBANKS, FORMER RONDO AVENUE r • The golden days of Rondo its peak.Compounding the racial tension these African- Long revered as a welcoming home for African-Americans, Americans experienced were the questionable and outright the Rondo Avenue neighborhood pulsed with energy and discriminatory practices of the local housing industry. vitality.Before 1959,when the neighborhood fell victim to With the loss of Rondo,many African-Americans were ► the forces of urbanization,generations of African-Americans left adrift at a time when rights and opportunities were had made this historic St.Paul area their home.Rondo far from equal. Avenue also brought hope to many new entrants who Rondo remembered sought a reprieve from oppression in the South. While Interstate 94 is now the most visible symbol of a Rondo's unfortunate demise neighborhood that once was,Rondo Avenue has not been Weathering wars,economic depression and segregation, forgotten."All those families had to find a new home,"said this enmeshed African-American community stood proud Carita Green,co-chair of the Blue Cross Bronze Achievers within the surrounding urban community.However, African-American Resource Group,"but they did not forget unwelcome visitors overpowered the people of Rondo in their community and,in turn,continued to celebrate the early 1960s—the bulldozers charged with destruction Rondo,even though the actual street no longer existed." of this unique and irreplaceable neighborhood.In her Rondo Avenue has become a symbol for a true sense of acclaimed memoir,"The Days of Rondo;'Evelyn Fairbanks community—the kind you carry with you in your heart. r recalled the demise of her beloved community:"The corn- And in celebration of this important cultural community, munity I wrote about is gone.It was erased by the highway St.Paul holds a special event called Rondo Days every department and`progress'—other people's money." July."I've been attending Rondo events since I was a Ir Torn from their homes,Rondo's residents were teenager,"said Green."I am glad that an event like this "dispersed,"leaving the area entirely or setting down roots still exists so that I can bring my children and so they can in other neighborhoods within the Minneapolis-St.Paul learn about and experience Rondo." rr area—sadly,during a time when racial segregation was at I i r r [ by Teresa Novacek I historical photos provided by Minnesota Historical Society ] • molding tomorrow ' s leaders rr i a X ` s y ; ,1/4 / A • 10 11 throughout the year,St.Paul area A unique complement to lessons A youth can participate in the YWCA learned in school N St.Paul's Youth Achievers Program (YAP),which not only keeps them The program is not intended to be a direct extension of from succumbing to the summertime school.Participants are involved in a variety of activities ranging from field trips to cultural and historical exhibits, or after school blues but also helps them stay healthy emotionally,physically to swimming and theatre outings,to leadership development r and intellectually.These youth come with St.Paul police force volunteers."We want to bridge to YAP from various walks of life—some are sent by the the gap between academics and the youth's surrounding court system,others are encouraged to attend by their society,"said Green-Rupert.The YAP program successfully families,and most participate simply because they want to. makes those connections by focusing on: The YAP program is geared to children aged 7 to 14. E Academic/technological enrichment • In fact,many participants grow up with the program,and E Social skills/leadership development . the program grows with them."The groups are divided age E "Healthy minds,healthy bodies" I appropriately;'said Aretha Green-Rupert,director of youth development at the YWCA St.Paul."And at the age of 15, The desired end result,according to Green-Rupert,is the youth have the opportunity to become program aides well-rounded adults who have been inspired by YAP. to learn about career tools for college and beyond,focus on young adulthood development,and assist younger partici- " pants as they develop and progress through the program." ✓ clearblue 47 The YWCA St . Paul provides something for everyone , especially young adults through YAP. YAP is focused on creating health; and productive adults who , re:ardless of back:round or future aspirations , function successfully in societ' . !■ li ir . ti.._ 4.-. , _ ., ---. ., . _- ...... # , , /., ... 90 Partnering to support area youth Learn more about YWCA, get involves The YAP program's success caught the attention of Although many of the YWCA St.Paul programs . Blue Cross and Blue Shield of Minnesota,and it's unique to the branch,many common threads ru the reason the company has chosen it as one of the through the more than 300 YWCA sites around t first partner programs for the TeenLink Partners United States.All YWCA programs adopt the missi f initiative."The goal of TeenLink Partners is to promote of"Eliminating Racism,Empowering Women?' healthy adolescence by working with community- They promote equality,personal enhancement a( based youth service agencies,"said Judith Hence, holistic health. TeenLink Partners program manager and senior In 2004,YWCA St.Paul saved its organizatio community affairs consultant at Blue Cross."Many an estimated$20,479 and 1,326 work hours tha nonprofit agencies have limited staff and limited to the efforts of 55 local volunteers.Whether it's o budgets.Their focus is generally program specific, a year or once a week,volunteers provide suppo which often means having to forego critical general and help improve the lives of youth and other v operating needs.Even though they may have the nerable adults served by the YWCA St.Paul.If yi basic management structures and policies,they do would like to share your time and talents,conta' not have tools to manage or enhance their organi- the YWCA St.Paul volunteer services coordinate zation.TeenLink Partners is here to help strengthen at(651)265-0701,volunteer @ywcaofstpaul.org the capacity of those organizations;it is how— visit www.ywcaofstpaul.org/vol.html. together—we can make the greatest difference." 48 clearblue • • LEAPing ahead, CLIMBing up "When I am here, I get to do fun The Girls LEAP(Life Empowerment and Awareness Program) things and go to fun places. I have is a unique extension of the YWCA St.Paul YAP program. made lots of new friends, and we "Girls LEAP addresses individual issues girls are facing at get to go swimming. I love the Y." this age,"said Green-Rupert."This program allows girls to Emily, a• e 8 r discuss female issues in a safe,single-sex environment." Two days a week,the girls break from the boys for LEAP time.Self-esteem,teen pregnancy and sexually transmitted "I like coming to the Y because I diseases are some of the topics discussed in this open, get help with my homework. I get nonjudgmental atmosphere. done fast, and then I get to do During Girls LEAP,the boys participate in a similar other things with my friends — and activity that addresses many of the same issues,called CLIMB we get snacks." Evan, a•e 8 (Confidence,Life skills,Involvement,Motivation,Behavior). Boys CLIMB was developed in the past year to support teenage boys with the difficulties they face growing up. "You've gotta learn to be yourself and do your own thing, and that 's Reaching out to families what I'm learning here." EMBEIIMME Accommodation is a high priority for Green-Rupert and her staff.Although there are enrollment fees for the YAP program,if a family cannot afford to pay in one lump sum or the full cost,a payment plan is designed based on "The best thing I learned in YAP was individual need.Limited transportation is also available to t o be yourself. I did not think I and from area schools during the academic year. was going to make friends or talk to To promote positive parent-child relations,special family people, but I realized that I could nights are held almost once a month to provide an oppor- friends and achieve a lot. tunity for the YWCA staff to meet parents or guardians Riala, a:e 18 and talk with them about specific concerns or issues going on with an individual child.These nights are also a chance " for parents and guardians to ask questions and attend You have t o learn t o get along with informational seminars for personal and parental growth. a lot of different kinds of people. "We involve the families as much as possible,"said Green- In YAP, you really have to begin to Rupert."We understand the importance of including these understand people better. I didn t loving individuals in young people's lives."k think I'd ever get along with some rpeople until I started coming here. Plus, you can teach people about who you are and what you believe in, and they can understand you better." Immanualmo clearblue 49 4 • , •• ,. 1 , . 4.) N.... ,-- ■1 i :411114:11: ! ' M�NG * 1 4y_ PP . , 3-,� Y Noy.. ;��<, ,,..\ 1� 66 Up M 1 ' I • r 1 AP BEER 2)g , ' i ' �- ' , a as rt tt r - •• ' e 1` 6 ii" i a, ` . a a , • ' t . " s a _ a * kAIIacSS More than a year ago Minneapolis' smoke-free work- place ordinance took effect. Ever since people — 1 including residents, visitors and employees who 1 work in the city's restaurants bars, nightclubs and 0 bowling alleys y have been breathing' easier.g y , i 1 i 1 41 l I I [ by Mary Hunter I photography by Joe Treleven I I — I • n a public show of support,Blue Cross Chief outside to smoke,but they were fine with it;'added Gans. 1 Executive Officer Mark W.Banks,M.D.,congratulated "My husband Mark and I go out more,"said Janel IMinneapolis when its strong smoke-free workplace Schliemann,a South Minneapolis resident and mother ordinance took effect on March 31,2005.The of two preschoolers."And now we're regulars at Adrian's, Minneapolis ordinance requires that all indoor a tiny,little burger joint close to us:' workplaces be smoke free,including bars and Not everyone is happy,of course.Several bar and restaurants.(Current Minnesota law protects most restaurant owners have been skeptical of the ordinance, indoor workers from on-the-job exposure to secondhand most often citing economic impact.But consider the smoke but does not extend that protection to restaurant many positive outcomes for Minneapolis. and bar workers.) "Despite positive experiences of all major cities that Revenues are up have enacted similar ordinances,some people worried that According to a city of Minneapolis analysis,revenues for Minneapolis would suffer economically;"said Marc Manley, alcohol and food sales,combined,increased 7 percent in M.D.,M.P.H.,Blue Cross'vice president for population the first six months after the ordinance,compared with the health."On the contrary,the effects have been positive same period in 2004.Food revenues increased 8.6 percent, across the board:' and alcohol sales increased 1.8 percent. City staff noted that many factors affect alcohol and food 1 One year later: Strong public support sales.Even so,these findings counter anecdotal reports of Public support of Minneapolis'ordinance was strong a possible widespread negative impact on liquor licensees right from the start.According to an independent survey in Minneapolis. I released in March 2006,an impressive 93 percent of Kim Bartmann,owner of Bryant-Lake Bowl,says her 1 Minneapolis residents now think that smoke-free restau- business has increased since the ordinance took effect. rants and bars are healthier for customers and employees. "Overall,the customers are pretty happy."Added Bartmann, 1 And 89 percent of Minneapolis residents say they go out "My only regret is that the Hennepin County commissioners 1 to restaurants and bars as often or more often since the weakened their ordinance last fall.I know that some of my ordinance took effect. fellow business owners near the city borders have suffered from that'rollback:" "Our business is up,"said Phil Vanner,owner of ACCORDING TO AN INDEPENDENT SURVEY RELEASED I N The Square Peg Diner,a northeast fixture."Most of our MARCH 2006, AN IMPRESSIVE 93 PERCENT OF customers are happy about it,too.I hear only minor MINNEAPOLIS RESIDENTS NOW THINK THAT grumbling from a few customers."Vanner recently opened SMOKE-FREE RESTAU RANTS AND BARS a second restaurant nearby—so he feels good about the ARE HEALTHIER FOR CUSTOMERS AND EMPLOYEES. Minneapolis business climate. Workers breathe easier "A few months ago,we went out to the Dakota and spent Air-quality monitoring immediately before the ordinance the whole evening there.Great music!We never would and three months after confirmed that harmful air pollutants have done that before,"said Donna Shaheen,a long-time were reduced by 99 percent.That was in sharp contrast to South Minneapolis resident. Ramsey County,in which a partial smoke-free ordinance "I think it's great.And my friends who smoke still go to offered no meaningful protection. Minneapolis bars.That's where everybody is,"noted Paul "I'd say my staff is now 100 percent in favor of going Gans,a young professional who lives and works in the ,smoke-free;"said Vanner.Bartmann agreed,"My staff likes suburbs but comes to Minneapolis to connect with friends. the change,too. 1 "In the winter,some of the guys complained about going 52 clearblue I I I IF IP When we talk about the impact on people who work in , r smoke-filled bars,wait staff and bartenders quickly come B a l hi n g e a sy to mind.But freelance musicians also work in bars.And • ' like many of his peers,Andrew Hale has to"go where the i n Minneapol i s gigs are."Drummer for the local'80s cover band Brat Pack [What a difference a year makes] Radio,Hale enjoys playing in Minneapolis."We've played at Trocaderos a couple times since Minneapolis went r smoke-free.It was refreshing." "The difference between playing in a smoke-free venue "We love the ordinance — we definitely go Cand a smoky one is amazing;"explained Hale,an avid out more." Donna Shaheen r marathon runner."When it's smoky,I usually get a headache Cand a hacking cough.It's really draining.And it can take days for me to recover." "We go to a local burger place frequently r now. I never would have taken the kids there Clean air is the "new normal" before because even the `nonsmoking' part Now,more than a year after Minneapolis'ordinance took was smoky." Janet Schliemann effect,many people who have become accustomed to smoke-free dining and drinking are bothered when they lvisit an establishment that allows smoking. "Even most of my friends who smoke now "I can't believe we used to put up with that;"said admit that they feel better after being in a 1 Schliemann."I went to a St.Paul bar for a good-bye party smoke-free bar compared to a smoky one." i last winter,and I couldn't believe how gross it was.We were Paul Gans in the supposedly smoke-free room,and it still stunk." "Hideous"was Bartmann's succinct summary of a St. iik 1 Patrick's Day outing with friends to a bar that allowed "Secondhand smoke does literally make people smoking."Most of us couldn't wait to leave,"she added. sick. You don't see the impact as quickly as Calls for a "level playing field" statewide food poisoning, but its every bit as real." Marc Manley, M.D. Some unlikely partners—including bar and restaurant owners,health advocates,health plans,policymakers, community leaders,and concerned citizens—are now "Blue Cross' purpose is to make a healthy calling for a statewide law that would protect all indoor difference in people's lives. We believe strongly workers.As of March 2006, 12 states have already enacted that employees of bars and restaurants such laws.The experience of other states shows that passage should be protected from the hazards of of a statewide law becomes possible when all sides start secondhand smoke." Mark W. Banks, M.D. F calling for a"level playing field"in response to inconsistent local regulation. "I lay the blame for the uneven ordinances squarely at the feet of the state legislature;"said Bryant-Lake's Bartmann. so "It's their responsibility to pass a statewide law so that the playing field is level for all bars and restaurants.Until that happens,some workers are protected from secondhand ________________________________________________________________ clearblue 53 smoke,and some are not.I hope to see a future where believe it's actually harmful.We need to do a better job people's health is valued equally?' conveying that message?' "Fortunately;"continued Manley,"most people now Getting to the heart of the matter understand that secondhand smoke is a real health hazard. Why is passing an ordinance that protects restaurant and Respiratory ailments,heart disease,even lung cancer— they're all well-documented effects of breathing in second- bar workers so controversial? y g "It's a combination of economic self-interest and simple hand smoke.And all of these diseases are particularly • lack of understanding,"explained Manley."The tobacco prominent among people who work or live in a smoky companies know that smoke-free policies lead to fewer environment." • cigarettes smoked.That's less money for them.And they try to enlist bars and restaurants,spooking them with Courage: Acting on knowledge I doom-and-gloom scenarios.Some bar and restaurant It takes courage for city councils and county boards of owners fight,often,just because they are scared." commissioners to act in the interest of public health and "The other factor is simple ignorance;'noted Manley. workers'health,despite the fears voiced by some bar and "Some people still don't have updated information about restaurant owners.That's why Banks and Blue Cross again the health impact of secondhand smoke,so they don't issued public congratulations when St.Paul's similarly strong ordinance took effect on March 31,2006. "FORTUNATELY, MOST PEOPLE NOW UNDERSTAND "We're pleased that St.Paul joined the cities of THAT SECONDHAND SMOKE IS A REAL HEALTH HAZARD. Minneapolis,Bloomington,Golden Valley and others in RESPIRATORY AILMENTS, HEART DISEASE, creating smoke-free environments for all workers;'said EVEN LUNG CANCER — THEY'RE ALL WELL- Banks."This ordinance is another important step toward protecting the health of all Minnesotans." DOCUMENTED EFFECTS OF BREATHING IN Cities,counties and the state routinely protect patrons SECONDHAND SMOKE." '' from other known health hazards by monitoring water safety,the cleanliness of restaurant kitchens,and the safety of food.Concluded Manley,"It's high time to add clean indoor air to the list?' .I 54 clearblue ■ Introducing Prevention Minnesota More than Zi years after filing its historic lawsuit against the tobacco industry, Blue Cross was finally able to gain access to its share of the settlement funds from that • lawsuit. Here's a look at how Blue Cross is using the biggest portion of those funds. ro , r _x In early 2006,Blue Cross and Blue Shield of Minnesota The overall Prevention Minnesota approach:Help embarked on Prevention Minnesota—one of the largest i make improving health a community priority,as well as sustained investments in health prevention that our state an individual commitment.Community policies and has ever seen. programs can influence everyone's health,but we each Prevention Minnesota is working to tackle preventable play an important role,as well. heart disease and cancers by addressing their root causes: "As citizens,we are definitely affected by our environ- tobacco use,physical inactivity and unhealthy eating. ments,"explained Manley."When there are safe,lighted The top killers in Minnesota are largely preventable. sidewalks,people walk more.When the price of tobacco Sixty percent of cancer deaths are linked to those three products rises,fewer kids start smoking and more adults risk factors.And 30 percent of heart disease cases could be try to stop.When a community bans smoking in all prevented if Minnesotans were physically active.The human indoor workplaces,employees and patrons breathe cleaner and economic toll of those avoidable diseases and premature air and have healthier lungs." deaths is staggering.In Minnesota,smoking was responsible Blue Cross is the first health plan in the nation to for$1.98 billion in excess medical expenditures in 2002 alone. launch a public health strategy of this scope. Why focus on prevention?"Because it works,"said Helping Minnesotans live healthier lives will prevent Marc Manley,M.D.,M.P.H.,Blue Cross'vice president disease and premature deaths and help control future for population health."It saves lives and saves money." health care costs.It's a win-win for Minnesotans. Manley directs Blue Cross'Center for Prevention,which oversees Prevention Minnesota. Preventing heart disease,lung cancer,emphysema and To learn more about Prevention Minnesota,visit other costly and life-threatening diseases is much more cost- www.bluecrossmn.com and select Prevention Minnesota. effective than treating those diseases."The problem has been To request a free copy of the Prevention Minnesota finding up-front money to invest in proven prevention Introductory Report,call 1-800-382-2000,ext.26791, strategies,"added Manley."That's why we saw the settlement or e-mail your request to Centerinfo @bluecrossmn.com. funds as a unique opportunity to make a difference in Minnesota for years to come." 5 [ engage ] Giving others the gift of better health It's all about neighbor helping neighbor. That's how Linda Erdman , R. N . , was raised to think, and it's how she has lived her life. "We're not in this world to do it alone," explained Erdman, case manager for Blue Cross. Volunteering for a lifetime Erdman has devoted a lifetime to volunteering for community and church organizations,as well as helping neighbors,friends and co-workers.She had been interested in doing work similar to the Peace Corps since high school,and 17 years ago Erdman got her chance.In February 1988,she began volunteering with International Health Service (IHS),a nonprofit organization that provides much-needed medical assistance to the people of Honduras."The fact that I could be helping less fortunate people in this way,using my medical training,pulled at my heartstrings,"Erdman said. [ by Katie Kava I photography by John Noltner ] clearblue 57 Volunteering with IHS is a year-round commitment. diseases and,most often,language barriers.However, All year,the organization and volunteers like Erdman according to Erdman,"The unspoken languages of love work to collect medical supplies,uniforms and medications. and caring get across to most people." IHS is also active in helping to fund and build a hospital. Volunteering with IHS has become a family affair for When volunteers are in Honduras each October and the Erdmans over the years.Both Erdman's daughter and February,they work side by side with local caregivers to mother have participated in mission trips with her.In fact, the Erdmans were the first family to have three generations in Honduras with IHS at once.While volunteering, "WE TEACH THE HONDURAN PROVIDERS Erdman's daughter met a Honduran man from New York I, ABOUT TECHNOLOGY AND SKILLS, I! City who was visiting his family,including two sons who LIKE EQUIPMENT STERILIZATION, TO ALLOW THEM TO t he had been struggling to bring into the United States. I` BE MORE RESOURCEFUL." Eventually,he and Erdman's daughter married,and with the help of the Erdmans and U.S.Senator Norm Coleman, ! I f the two sons were finally reunited with their father and teach and learn while providing care."We teach the stepmother in June 2005. Honduran providers about technology and skills,like "The highlight of volunteering with IHS is being able equipment sterilization,to allow them to be more to freely give of the skills I have and to see how grateful the resourceful;'Erdman explained.To further their education people are,"Erdman said.On one trip,a mother brought and learn new practices,Honduran physicians and nurses her 3-month-old daughter to the clinic because she had have even been brought to Minnesota to work in clinical rolled into a fire.Erdman saw that the infant had third- , ; settings.In addition,patients have been brought to the degree burns and needed more help than what was available. United States for specialized care or surgery. In response to the baby's need,volunteers pooled together Medical,dental and surgical professionals,as well as ii general volunteers,are needed to make both annual mission "WE REALLY REACH OUT AND TOUCH THESE FAMILIES trips a success.The trip in October involves about 20 people IN AN IMPORTANT WAY. who travel to Honduras to d and re plan for the larger P p P WE DO MAKE A DIFFERENCE TO PEOPLE, mission in February.And in February, 100 volunteers— AND THAT MAKES A HUGE DIFFERENCE IN MY LIFE." divided into teams of eight to 10—travel to Honduras for two weeks to provide medical care.IHS volunteers come from the United States,Canada,Panama and the money and resources so that they could get the family help Bahamas.A group of Honduran providers also volunteer at a specialty hospital in Tegucigalpa,the capital city of their time to the IHS missions. Honduras.Erdman noted,"We really reach out and touch these families in an important way.We do make a difference Why Honduras? to people,and that makes a huge difference in my life:' Honduras is the third-poorest country in the Western Hemisphere—which is why many people walk for days and stand in line for hours,even before the clinics open in the morning,for the chance to receive medical attention. Each day,the volunteers face new challenges,including - not having the correct medications or enough supplies to treat patients,transportation difficulties,risks of tropical ii li 58 clearblue V . , er All the elements are ideal for growin great career at Blue Cross and Blue Shi; of Minnesota.You'll be able to advance your job,be recognized for your acco plishments and have an outstandi iti. , Ilk opportunity to develop your talents their full potential.And,because we val our diverse workforce,we're a strong more effective company in the long r . . /1.3 Come grow with us. 2: '�; ` Visit bluecrossmn.com to view care opportunities and apply. Fred Dicks. Vice President a Chief Information Offi i , I • `fl ,, S.,;y ., y z \ ; • . Its Ail p i 1F u Qa y • - 4k t• - •.- • • 1A•• • •• - f7.c7 is bar 4 „ -,4„,„,,,s: — iiiiiiillit • •ICAN LEGION — s ,.. ii, , , ituirgi i rY' ■� r', . y viii., �`� l r, ihosh. ,/ °. —. lir A small Iron Range town hit hard by mining shutdowns.A town where families have been proud to live for generations.But a town in critical need of quality jobs to help keep it vital.When Blue Cross and Blue Shield of Minnesota decided to build a claims service center in Aurora,more than 50 new career opportunities were added to begin replacing the jobs lost.A positive step to help make the community healthier—a place where people can thrive,grow and continue to call home.Your well-being,it's what we're about.Life.Live it well. t = • I y: e il w . vov BlueCross BlueShield of Minnesota ©2006 Blue Cross and Blue Shield of Minnesota An independent licensee of the Blue Cross and Blue Shield Association bluecrossmn.com Blue Cross and Blue Shield of Minnesota . 2005 Board Members 2005 Company Officers MICHAEL E. MCKuRAs • MARK W. BANKS, M.D. MARK W. BANKS, M.D. VP, Technology Infrastructure Services • CEO, Blue Cross and CEO ROBERT J. Mlus Blue Shield of Minnesota VP, General Counsel J. STEPHEN BJORUM EMMETT D. CARSON, PH.D. VP, Blue Cross and Blue Shield KATHLEEN A. MOCK President and CEO, of Minnesota; President and CEO, VP, Policy and Legislative Affairs The Minneapolis Foundation First Plan of Minnesota MICHAEL J. MORROW WILLIAM F. FARLEY LAURIE A. CLARK Senior VP, Business Development • Investment Manager, VP, Business Design and and Network Management; President, • Livingston Capital Enterprise Transactions Mil Life; CEO, Blue Plus SUSAN S. ENGELEITER REGENIA DAVID NANCY F. NELSON President and COO, VP, Customer Relations Management VP and Chief Actuary Data Recognition Corporation and Analytics Systems RICHARD P. NEUNER BENJAMIN R. FIELD (RETIRED) FRED A. DICKSON Senior VP and Senior Financial Advisor, VP and Chief Information Officer Chief Marketing Officer • • Bemis Company, Inc. CHARLES F. DUBOIS RICHARD M. NIEMIEC JOEL R. HAUGEN, M.D. VP, Internal Audit Senior VP, Corporate Affairs Managed Care Medical Director, and Risk Management JOHN E. ORNER Dakota Clinic, Ltd. KATHY A. DUNMIRE VP, Treasur y and Investments SHIRLEY J. HUGHES (RETIRED) VP, Major Accounts SHAWN E. PATTERSON Senior Vice President, • Human Resources, SUSAN G. FLYGARE VP, Marketing and Communications • Ceridian Corporation VP, Commercial Sales TIMOTHY M. PETERSON and Account Management Senior VP and ROBBIN S. JOHNSON Senior Vice President, JENNIFER L. GILLESPIE Chief Financial Officer Director of Corporate Affairs, VP and Actuary, Underwriting DAVID W. PLOCHER, M.D. Cargill Incorporated WILLIAM R. GOLD, M.D. Senior VP, Business Intelligence JONATHON E. KILLMER (RETIRED) VP, Health Management, and Informatics • Partner, PricewaterhouseCoopers, LLP and Chief Medical Officer COLLEEN F. REITAN • JOHN H. KLEINMAN, M.D. ROGER W. KLEPPE President and COO Vice President of Clinical Affairs, Senior VP, Human Resources STEVEN W. RICHARDS, M.D. VHA Upper Midwest and Facilities Services VP and Medical Director, Government JOHN W. LETTMANN DANA G. LIEN Programs and Health Benefits President and CEO, VP, Process Performance TIMOTHY A. SCHULTZ Malt-O-Meal Company and Excellence VP; Finance • • PETE H. MCNERNEY JAN L. LYSEN SANDERS R. SHAPIRO General Partner, Thomas, VP; Network Management VP, Community Accounts McNerney & Partners, LLC DEBORAH B. MADSON MARK A. SHAW JOHN M. MURPHY JR. VP, Government Programs VP, Network Finance and Operations Managing Partner, Somerset SANNE J. MAGNAN, M.D. Asset Management, LLC DAVID E. SPALDING VP and Medical Director VP, Business Development • VANCE K. OPPERMAN, ESQ. of Consumer Health • President and CEO, MARC W. MAN LEY, M.D. Lois J. STEVENS Key Investment, Inc. VP and Medical Director VP, Blue Cross and Blue Shield of Population Health of Minnesota; President, PAMELA A. WHEELOCK p Comprehensive Care Services Executive VP and Chief Financial DENISE M. MCKENNA Officer, Minnesota Sports and MARYANN STUMP, R.N. Entertainment Senior VP, Operations VP, Strategic and Consumer Innovation; President, CDMI 62 clearblue • •` Free Reserves 2005 2004 2003 2002 2001 (Statutory Basis) Blue Cross 692,929 691,771 608,412 494,833 403,466 • • Blue Plus 162,482 130,312 96,250 77,147 66,197 Months in Reserve Blue Cross 3.79 4.24 4.33 3.96 3.56 • • Blue Plus 3.29 2.88 1.86 1.64 1.78 Membership Blue Cross 2,234,730 2,112,464 2,073,799 1,920,030 1,690,388 • Blue Plus 162,458 168,039 186,071 199,339 190,269 • All Other 301,098 352,296 324,598 299,807 305,965 • • *Aware Integrated,Inc.includes Blue Cross and Blue Shield of Minnesota,Blue Plus, First Plan of Minnesota,Care Delivery Management,Inc.,and our subsidiaries: Atrium Health Plan;MII Life,Inc.;Comprehensive Care Services,Inc.;Pharmacy Gold, Inc.;Comprehensive Managed Care,Inc.;and Capital Asset Care,Inc. t Blue Plus is a health maintenance organization that offers health plans and care i, networks throughout Minnesota to individuals and groups,conducts research and promotes quality improvement. The complete Aware Integrated,Inc.financial statements are available by calling Tim Schultz,vice president of finance,at (651) 662-1668. • • clearblue 6i *Aware Integrated, Inc. (Blue Cross and Blue Shield of Minnesota and its family of companies) • Five-year summary of selected financial data (in thousands) 2005 2004 2003 2002 2001 • Total Revenue 7,115,307 6,568,289 5,983,905 5,009,926 4,052,262 • Claims Incurred 6,397,062 5,864,926 5,269,021 4,421,938 3,548,930 Assessments, Surcharges and Broker Fees 161,805 149,290 107,233 95,667 89,621 Administrative • Expenses 545,500 514,736 477,520 413,559 355,180 • Net Investment Income and Realized Gains on Sales of Investments 64,669 60,084 40,424 (1485) 12,468 • Tobacco • Program Income/(Expense) (16,852) (11,967) (21,990) 5,686 (36,052) Net Other Income (Expense) 11,285 (7,725) (2,479) (20,723) 38,949 Income Tax Expense • (Benefits) 14,465 13,890 (3,800) 23,842 8,939 • Net Income 55,577 65,839 149,886 38,698 64,957 At December 31 • • Total Assets (GAAP Basis) 2,298,574 2,260,900 2,069,236 1,808,403 1,831,380 Total Liabilities (GAAP Basis) 1,182,103 1,208,443 1,098,408 1,024,182 1,074,117 • 6o clearblue From the President and CEO: The health care system we know is about to change.Unlike in the past,it won't be physicians that change the system,and it won't be insurers.No,this time it will be the consumer who drives the change.We are on the verge of a consumer revolution that will force the health care system to make changes that in the end should improve quality and lower costs. Today,consumers are paying more out of their own pocket for health care than they have in recent history.Higher copays,higher deductibles,more expensive technologies and more expensive medications • • are increasing the financial burden being felt by the consumer.Consumers are now asking—how much does it cost?Do I need this test?Is there a generic that works just as well?We believe it is our responsibility • to work with consumers to answer these and other questions they may have,so they can make smart choices when purchasing health care. How will we do this?Blue Cross and Blue Shield of Minnesota is focusing on a consumer engagement strategy.We are bringing information to consumers that is useful and that makes sense.Our first consumer- information tool was Healthcare Facts®,the"cereal box nutrition label"with hospital cost and quality • • information.A new version of Healthcare Facts,coming this summer,will include clinics and will have price comparisons P p s between different facilities.Other methods to engage g ge consumers include our recent work within our customer service "extending department.We are now extending the conversation,"and having customer service representatives ask members questions about their health,instead of just answering questions about policies.No other local health plan has taken this step,but it is an important one that will improve health. • We are investing in other programs to engage consumers through our Prevention Minnesota efforts. • We will be using a bulk of our tobacco settlement dollars,$242 million,to work with Minnesotans to reduce tobacco use,increase physical activity and improve the nutrition habits of all Minnesotans.And through the Blue Cross Foundation,we are reaching out to immigrant communities by working with community health workers to help immigrants and new Americans navigate our complex health system. For more than 70 years Blue Cross has served Minnesota well.We provide coverage for 2.7 million • members.We are a strong business with revenue of more than$7 billion,and despite being nonprofit, • we pay more than$100 million annually in taxes.We employ more than 3,800 employees across the state, with the majority located in Eagan.Blue Cross is devoted to Minnesota and to our legislative mandate to provide affordable access to health care.We will do that by working with consumers to change the health care system. Sincerely, Mark W.Banks,M.D. • • Chief Executive Officer clearblue 59