An EXL whitepaper
EXL Digital Intelligence center [email protected]
Best practices incare management:
Engaging the ESL population
1 © 2016 ExlService Holdings, Inc.
[ Best practices in care management : Engaging the ESL population ]
Immigrants will drive U.S. population growth over the next 50 years,1 and the number of non-native English speakers is already significant. As recent as 2013, a record 61.8 million U.S. residents reported that they speak a native language other than English at home.2 While this shifting demographic will likely affect all industries to some degree, it is especially notable to the health insurance and care management industries. While many members of the ESL population were previously uninsured, the Affordable Care Act (ACA) mandate is drastically increasing the percentage of insured ESL speakers.
According to the Kaiser Family Foundation,
by 2019 about one in four exchange
enrollees will speak a language other than
English at home.3
Care management (including care
coordination; case, disease management
and maternity management; and wellness
coaching) is challenging by nature.
It takes a tremendous amount of work and
dedication for clinical staff in healthcare
organizations to engage members,
help them sustain behavioral change,
and drive positive clinical and financial
outcomes. These challenges increase
significantly when dealing with members
who speak English as a second language,
as interventions take longer and positive
outcomes can be far more difficult to
achieve. What’s more, the relevance
of providing high-quality care to this
population has increased significantly
given the transformation to value based
payments and the continued scarcity of
clinical resources.
In regards to Medicare members, as of
2007, 14% of the over-65 population spoke
a foreign language at home.4 That means
addressing the ESL population is a pressing
need for healthcare companies that are
striving to attain high Star ratings and
qualify for substantial bonuses and rebates.
Knowing your patients’ psychosocial
drivers and communication preferences,
2 © 2016 ExlService Holdings, Inc.
[ Best practices in care management : Engaging the ESL population ]
These difficulties often go beyond a simple
language barrier, as differences in ethnicity
can create additional clinical challenges in
care coordination. For example, Hispanics
are 50% more likely to die from diabetes or
chronic liver disease than non-Hispanics
due to lifestyle and diet, according to the
CDC.5 The health risks for this population
and others also vary depending on whether
or not they were born in the US or in
another county.
The traditional care management approach
has been to treat the ESL population much
like the rest of the population: Health plans
have focused their primary attention and
care to the top 3% of chronic care patients,
who essentially drive the majority of their
expenses. Such a strategy is simply not an
option in the new era of healthcare for a
variety of reasons.
The state of healthcare in the U.S.
From a strictly practical standpoint, the
ongoing decline of the overall health of
the total population is causing the cost of
chronic care to increase. Illness rates are
on the rise, with nearly half of all working
adults being diagnosed with a chronic
disease or condition such as heart disease,
stroke, diabetes, or asthma.
From a healthcare reform perspective,
focusing on the unhealthiest members is
no longer an option since providers and
strategically aligning them with the right
providers, and effectively measuring
members’ processes and outcomes is
challenging in itself. The language barrier
can make this task even more difficult. For
example, translation, socioeconomic, and
cultural considerations can make phone
calls between nurses and ESL members
much longer than conversations with
members whose primary language is
English.
3 © 2016 ExlService Holdings, Inc.
[ Best practices in care management : Engaging the ESL population ]
payers are now incented to expand their
focus to the total population. To maximize
reimbursements, revenue, and rebates,
plans must maintain a high quality of care
and outcomes as measured through Star
and HEDIS metrics. To drive those results,
payers are moving provider contracts
towards value-based reimbursement
structures and away from the traditional
fee-for-service approach. Achieving high
quality ratings and optimizing outcome-
based payments requires a shift to Total
Population Health Management (TPHM),
rather than simply caring for those with the
greatest illness burden.
Considerations in managing ESL communicationsFrom a regulatory standpoint, the ACA
Verbal communications: Lost in translation
Just because a nurse or coach is
bilingual, he or she may not be qualified
to engage all ESL members across all
care management areas for different
situations or diagnoses. For example, an
oncology nurse would not typically work
with a diabetic patient. The same principle
holds true for English-speaking nurses
and patients. However, when it comes to
working with ESL populations who are
already disproportionately at risk, language
is often the only factor that is used to
match patients to medical personnel.
mandates interpretation and translation
services if 10 percent or more of the
population living in the consumer’s county
are literate only in the same non-English
language. This threshold affects 23 states
and 255 counties nationwide,6 meaning it
is now virtually impossible for any major
health payer to keep their current strategy
for dealing with ESL members unchanged.
Current solutions for communicating
with ESL populations often start and
stop with translation services and/or
matching the ESL speaker with a nurse or
coach who speaks their language. These
oversimplified solutions are ineffective at
producing the best outcomes, and do little
to maximize the insurer’s investment in ESL
communications.
4 © 2016 ExlService Holdings, Inc.
[ Best practices in care management : Engaging the ESL population ]
It’s not always easy finding a bilingual
nurse in a specific specialty. Hence, a
common solution is to pair the member
with a qualified nurse and use a translation
service to bridge the language gap.
Unfortunately, engaging an interpreter
does not always result in the most effective
communication. While an interpreter may
speak the language, he or she likely lacks
the necessary background information to
understand the nuances of the situation.
To improve the communication process,
a few minutes prepping the interpreter
with key information, including what the
nurse intends to be the outcome of the
conversation, can greatly increase the
probability of a positive outcome.
When working with non-English speaking
populations, there are additional cultural
barriers to consider. In one recent example
involving a major carrier, a woman called
in with questions related to her pregnancy.
The woman spoke Arabic and was
provided with an interpreter. However,
the interpreter was male and the woman
refused to speak to him. Cultural diversity
training and educating care managers can
help bridge these gaps.
5 © 2016 ExlService Holdings, Inc.
[ Best practices in care management : Engaging the ESL population ]
A recent survey by the Institute for Diversity
in Health Management, an affiliate of the
American Hospital Association, found that
81% of hospitals educate all clinical staff
on how to address unique cultural and
linguistic factors.7 Health care plans would
do well to follow suit, but limited resources
often cause difficulties when choosing the
most effective areas to focus their efforts.
One solution to this issue is working with
partners and internal staff to segment the
member population in ways that promote
effective engagement. Plans frequently
identify and stratify those members who
can most benefit from additional clinical
support. Adding flags to this data to
call out ESL members and their primary
language enables plans to approach the
ESL care delivery model in a more strategic
manner. If, for example, data demonstrates
that a large number of ESL members
are Vietnamese women of childbearing
age, care managers can educate any
Vietnamese-speaking nurses in obstetrics
and gynecology.
Solving the challenges involved with nurse-
to-member communications can result
in significant savings. For example, if the
average number of calls a nurse of coach
conducts per day increased from 11 to 12
calls per day, this results in an immediate
9% improvement in productivity. Assuming
a $90,000 benefits loaded salary, this
equates to an $810,000 productivity gain
per 100 nurses. Additionally, the gain in
productivity would give the health plan the
option to potentially hire more nurses or
reduce their staffing costs.
Written communications : More than just tag lines
According to DHHS Regulation 45 CFR
§ 155.205(c), exchanges must include
“taglines” that will inform individuals
of the availability of translation and
interpretation services. For many health
plans, this has resulted in a “minimum
requirement” approach, such as adding a
short disclaimer at the bottom of health
communications that encourages the ESL
6 © 2016 ExlService Holdings, Inc.
[ Best practices in care management : Engaging the ESL population ]
member to call for a complete translation
of the letter’s contents.
While this disclaimer technically fulfills
DHHS Regulation 45 CFR § 155.205(c)
requirements, this practice rarely achieves
the desired results. It’s not unusual for
recipients to misunderstand the disclaimer
or to even overlook it entirely. In many
cases, these communications are treated
as junk mail and result in ESL members
missing important healthcare information.
Although a fully translated letter would be
ideal, it may not be possible in every case.
However, a full translation may not be
necessary. Adding a more robust statement
in the member’s primary language that
summarizes the letter’s key points can
greatly increase the probability that the
recipient will actually call to request a full
translation.
Texting brings its own set of issues.
Something as innocuous as an ESL
member signing up for texts can cause
confusion if the texts are all provided in
English. The member would need to be
flagged and contacted regarding their
preference to ensure he or she was not
missing key information.
Even enrollment communications are no
longer as straightforward as they used
to be. Studies indicate that employer-
sponsored insurance will decrease almost
30% over the next few years.8 For insurance
companies, that means a shift from B2B
marketing plans to B2C. This change
requires providing enrollment information
in multiple languages throughout the year
and addressing potential enrollees with
vastly different levels of understanding
of insurance. Consumers who have been
without insurance for a while, or have never
been enrolled in a health plan before,
will likely have questions regarding the
process or their specific benefits. This
Of course, effective written communication encompasses more than just taglines.
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[ Best practices in care management : Engaging the ESL population ]
need for education can be compounded
by language barriers that may impact the
frequency and tone of communication
from the plan to the member.
Alternative primary care delivery models It’s important to remember that the end
goal of any ESL communication is to ensure
that non-English speaking patients get the
care they need. Partnering with the right
providers can be essential for boosting
quality of care, improving a member’s
clinical status, identifying and supporting
at-risk members, as well as maintaining the
status of healthy members.
Among ESL populations, new delivery
models such as Patient-Centered Medical
Homes (PCMH) are gaining popularity
in the medical community and among
the government, employers, and third-
party payers. PCMHs house primary and
specialty care physicians under a single
roof, which can reduce the communication
gaps, errors in medication, and repeated
tests that often occur when multiple
physicians, nurses, medical assistants,
insurance, and billing offices coordinate
from separate offices. For the ESL
population, this solution can be particularly
helpful in bridging communication gaps,
as the PCMH may be able to provide
an onsite native-language speaker to
assist in translations. If not, face-to-face
communication will often be more effective
than using a telephonic translator.
To improve their Star ratings and realize
positive outcomes, companies should
ensure their PCMH relationships accept
all of their available plans, especially the
narrow network plans where the majority of
ESL members may reside.
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[ Best practices in care management : Engaging the ESL population ]
Potential payoffsThe potential payoffs when addressing
the growing ESL population in the US can
include benefits to the plan’s productivity,
improved clinical outcomes, and ultimately
better Star ratings based on higher quality
of care and customer satisfaction rates
within this market segment.
The difference between a 3.5 star and 4
star could mean receiving tens of millions
of dollars for most plans. In order to receive
the best possible reimbursements from the
Centers for Medicare & Medicaid Services
(CMS), plans have to achieve a rating of 4.0
or higher. Currently, the majority of health
plans have a Star rating below 4.0 and the
bonus payment in 2015 dropped from 5% to
0%, with rebate percentages also dropping.
Because of these factors, the larger
the ESL population is within a plan, the
greater the need for plans to work with this
population to meet their specific needs.
9 © 2016 ExlService Holdings, Inc.
[ Best practices in care management : Engaging the ESL population ]
References
1. Immigrants will drive U.S. population
growth in next five decades: Pew,
Reuters, http://www.reuters.com/
article/us-usa-immigration-study-
idUSKCN0RS08V20150928
2. One in Five U.S. Residents Speaks
Foreign Language at Home, Record
61.8 million, Center For Immigration
Studies, http://cis.org/record-one-in-
five-us-residents-speaks-language-
other-than-english-at-home
3. Focus on Health Reform, The Henry
J. Kaiser Family Foundation, https://
kaiserfamilyfoundation.files.wordpress.
com/2013/01/8147.pdf
4. English Language Proficiency,
Family Economic Security, and Child
Development, National Center for
Children in Poverty, http://www.nccp.
org/publications/pub_948.html
5. Hispanic Health, Centers for Disease
Control and Prevention, http://www.
cdc.gov/vitalsigns/hispanic-health/
6. Good for Business: How US
Healthcare Reform Is Driving
Translation Demand, SLATOR
Language Industry Intelligence,
https://slator.com/demand-
drivers/good-for-business-how-
us-healthcare-reform-is-driving-
translation-demand/
7. Becoming a Culturally Competent
Health Care Organization, Equity
of Care, http://www.hpoe.org/
Reports-HPOE/becoming_culturally_
competent_health_care_organization.
8. Impact of the ACA on Health Plan Chief
Medical Officers, Dr. Gerald Osband,
CMO EXL.
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