Excellus BlueCross BlueShield Advances Maternal Health Equity

By: Becca Taurisano

Childbirth is inherently risky, but for minority women, it can be life-threatening. Consider the birth experience of global tennis star Serena Williams. Williams had a history of pulmonary embolism and, while recovering in the hospital after giving birth via c-section, she had difficulty getting her providers to acknowledge her symptoms. After repeatedly advocating for herself, doctors eventually found several small blood clots in her lungs and administered life-saving treatment. Sadly, hundreds of women each year are not as fortunate.

To advance health equity for all and address implicit bias and structural racism in health care, Excellus BlueCross BlueShield appointed Gina Cuyler, MD, as vice president of health equity and community investments in November 2021. A graduate of the University of Rochester School of Medicine and Dentistry, Dr. Cuyler is a board-certified internal medicine physician who is passionate about improving health outcomes for everyone. Using a cross-functional, data-driven approach, Dr. Cuyler is working to embed health equity across every aspect of Excellus BlueCross BlueShield’s organization and addressing maternal health disparities is one of her top priorities.

Maternal health is the continuum of care that includes the time before pregnancy, pregnancy itself, and one year postpartum. The health conditions of mothers before pregnancy impacts maternal and child health outcomes and, under Dr. Cuyler’s leadership, Excellus BCBS is working to address negative outcomes such as severe maternal morbidity (SMM). The U.S. Centers for Disease Control and Prevention defines SMM as “unexpected outcomes of labor and delivery that result in significant short- or long-term consequences to a woman’s health.” The many drivers of maternal health include socioeconomic status, access to maternal health providers, geographic location, structural racism and implicit provider bias.

“Women of color are particularly at risk for negative maternal health outcomes independent of socioeconomic status, education or other factors. A Black mother with a college education is likely to have worse maternal health outcomes than a White mother without a college education,” notes Dr. Cuyler. A Blue Cross Blue Shield Association study on racial and ethnic disparities in maternal health revealed that preexisting health conditions, such as hypertension, diabetes and asthma, strongly correlate with higher SMM. The study found that Black women ages 35-44 have a 66% higher rate of SMM and are more likely to suffer pregnancy-related complications than white women in the same age range. The U.S. maternal mortality rate is the highest among similarly developed countries, with 17.4 deaths per 100,000 live births. “With all of the wealth, resources and knowledge in our country, we must do better,” says Dr. Cuyler.

Maternal health affects more than just mothers and their babies, but the community as a whole. When pregnancy complications arise, premature birth, low birth weight and prolonged stays in neonatal intensive care units increase as well. There is a societal cost when maternal health is not a top priority, says Dr. Cuyler. From the family members who suffer the loss of their loved one, to employers and co-workers bearing the burden when a parent has to take time off to care for their child, or worse, when an employee dies from pregnancy complications, maternal health affects families, businesses and communities. “It has a comprehensive impact on everyone,” Dr. Cuyler says, “we all bear the cost.”

Dr. Cuyler is addressing the drivers of higher SMM in a data-driven way. “Health equity work requires metrics,” Dr. Cuyler says, “you can’t manage what you can’t measure and you can’t measure what you can’t define.” After creating a health equity strategy for Excellus BCBS, Dr. Cuyler brought on health equity data analysts to help her capture and analyze the metrics required to determine actionable solutions. Collecting robust data is also dependent on identifying the attributes of the people in underserved communities, and that requires patients to submit complete attribute information so they can be identified appropriately in the data.

The COVID-19 pandemic highlighted health disparities in our nation, especially for people of color and, Dr. Cuyler says, the narrative surrounding health equity is expanding. Aligning with the health equity frameworks of New York state, the National Committee for Quality Assurance and the Centers for Medicare and Medicaid Services, Excellus BCBS is advancing equity along with quality in the healthcare arena. Dr. Cuyler’s goal is to embed health equity in every part of the organization. “Health equity is an enterprise initiative and we work in a cross-functional manner. I have deputized an army of ambassadors in our organization to understand how their work contributes to being able to provide meaningful health outcomes and improve health equity for all.”

In October 2022, Excellus BCBS announced the first round of recipients of Member and Community Health Improvement (MACHI) grants to address SMM and related health equity issues in upstate New York. Eight non-profit organizations were selected within the Health Plan’s 39-county service area to share $1 million in grant funding over the next three years. “We assembled a cross-functional, interdisciplinary team to determine these grant recipients to address depression, education, safety, lactation and homelessness,” says Dr. Cuyler, “we are very excited about the opportunity to impact at multiple points of the maternal health care continuum.” Additionally, Excellus BCBS provides bias in maternal health training to health providers in the region through a partnership with the March of Dimes.

Health equity is personal for Dr. Cuyler. Born in Panama, she immigrated to the United States with her mother when she was a young girl (her father died when she was two years old). Dr. Cuyler recounts an experience at a public hospital in New York City after her mother burned herself cooking. For over 16 hours, they sat in “a room full of black and brown people in agony. I realized that for some people, the health care system isn’t always equitable or kind,” Dr. Cuyler recalls.

Dr. Cuyler states that many patients have better health outcomes when a provider shares the same attributes of a patient population (race, gender, language, cultural background), and thus, she co-founded the Black Physicians Network of Greater Rochester, an organization whose mission is to reduce health disparities and improve the health of the community by increasing the number of black physicians. “I do believe it helps for you to see a physician that came from the same circumstances,” says Dr. Cuyler, “I am passionate about mentoring because I didn’t have a mentor. I had to figure everything out the hard way.” 

Dr. Cuyler wants every single person in the United States to have access to equitable healthcare and, to achieve that, she wants every person to ask themselves what they are doing to advance health equity in their sphere of influence. For those in the health care community, it is important to build trust. “Today we are committed to doing better not just for some but for everyone. We want to help patients feel engaged, educated and empowered, and for health care providers to understand how important they are in advancing health equity,” says Dr. Cuyler, “everyone has a role to play.”

Health equity is when each person has a chance to have optimal health. – Gina Cuyler, MD

At the end of the day, we have to make sure we are making progress in maternal health equity because the stakes are so high. – Gina Cuyler, MD

Drakos Clinical Laboratories: Providing Healthcare Without Walls in Central New York

COVID-19 has radically disrupted the U.S. healthcare industry, which in turn has disrupted other business industries and entire communities. Healthcare workers are experiencing burnout at alarming rates. In a 2020 EClinicalMedicine survey, almost 50 percent of healthcare workers reported they were burned out from the COVID-19 pandemic. A 2021 special report from Morning Consult found that, since February 2020, 18 percent of healthcare workers have left their roles, 12 percent were laid off, and 31 percent have contemplated leaving their jobs.

Burnout and turnover issues are worsening U.S. healthcare provider shortages and hospital occupancy issues that existed even before the pandemic. Patients often wait long hours in the emergency room before seeing a physician, and many leave before they’re seen at all. If you’re in the healthcare industry, these could be your patients. If you’re in any other industry, these could be your employees. Either way, this issue affects us all.

The healthcare industry needs new, flexible solutions to ensure everyone has the access to care they need. In Central New York, Drakos Clinical Laboratories strives to serve patients wherever they are. Drakos provides mobile, at-work and at-home medical testing, concierge medical services, and medical testing logistics for large-scale events and productions. The company is now pursuing new partnership opportunities to help better reach patients.

“At Drakos, we believe in healthcare without walls,” says Drakos Founder and CEO Heather Drake Bianchi. “If we can go into a patient’s home, workplace, or another safe location to check their vitals and do their laboratory work, it lessens the pressure on hospitals, urgent cares, and physicians. It can also be safer for many patients, especially people who are immunocompromised or have young children or older adults at home.”

Drakos’s story begins in 2020 when its CineMedics division was founded. CineMedics was created to address the unprecedented medical testing needs on film sets during pandemic.

“When the pandemic began, there was a significant need to keep entertainment productions running safely. People’s livelihoods depended on it,” says Drake Bianchi. “This was particularly important being from Central New York where we have a relatively new, but rapidly growing film industry. We knew that our skills as first responders were a natural fit for protecting people in this moment and ensuring they could do their jobs without worrying about COVID.”

The company’s roots are in community paramedicine. Many of the staff members, including Drake Bianchi, are first responders who are experts at providing critical medical services in any environment. A scientist as well as entrepreneur, Drake Bianchi earned her Master of Science in human anatomy and physiology from Northeast College of Health Sciences and her bachelor’s in biomedical sciences from RIT. Before founding CineMedics and Drakos, she spent 16 years working in critical care medicine, both in the U.S. and internationally. She has served as a paramedic for National Geographic, Remote Medical International, and the Ocean Classroom Foundation.

In the pivotal first months of the pandemic, the Drakos/CineMedics team helped developed new protocols that became the standard throughout the film industry. They provided medical services to major productions, including the cast and crew of the Oscar-nominated “Don’t Look Up.” They were also hand-picked by the CNN conference “LIFE ITSELF” to conduct large-scale event testing for a VIP crowd. At “LIFE ITSELF,” they provided the COVID-19 testing for attendees such as Dr. Anthony Fauci, several past U.S. Presidents, astronaut Mark Kelly, actress Goldie Hawn, and more.

Over the past two years, Drakos/CineMedics has grown from seven people to a team of 50, with locations throughout the U.S. and in the UK. They continue to be sought out by major production companies as the #1 preferred company for these services.

Most recently, CineMedics provided care for the cast and crew of the new Netflix film “The Union.” Described as a “blue-collar James Bond,” the action thriller stars Mark Wahlberg, Halle Berry, and J.K. Simmons.

As a result of CineMedics’ work on the film, Wahlberg asked Drakos/CineMedics to provide concierge medical care for him and his friends and family on his current project, an Apple Original film titled “The Family Plan.”

There’s still more Drake Bianchi and the Drakos team want to do. Drake Bianchi previously assisted in search and rescue efforts for Hurricanes Katrina, Irene, and Sandy. Having seen firsthand the barriers that underserved populations face when trying to access healthcare, she has also committed the next phase of her business to using her mobile technology to bridge that gap for veterans, rural populations, low-income individuals, the sex worker industry, and the LGBTQ+ community right here in Central New York.

“Sometimes I can’t believe this is my life. It’s an incredible honor to be able to deliver quality care to so many people,” says Drake Bianchi. “I love being able to meet people where they are and ensuring they have what they need to be healthy.”

Increasing access to healthcare services became even more important to Drakos when a close colleague was diagnosed with cancer during a recent production. Seeing their friend fight cancer accelerated the Drakos/CineMedics team’s desire to serve more people.

“To survive cancer, you have to survive chemo, which means staying out of the hospital and staying hydrated,” says Drake Bianchi. “We want to reduce their exposure in the hospitals. Our friend and colleague getting their cancer diagnosis jumpstarted our work to provide these services and do them well.”

Drakos believes that this kind of care is the wave of the future, with both immediate and long-term implications. While the immediate need for everyone in our community is apparent, by 2040, more than 20 percent of the U.S. population will be 65 years or older—a demographic change for which the U.S. healthcare and caregiving systems are currently unprepared, especially in light of the damage caused by the pandemic. Additionally, many older people want to age in place, creating a need for services to come to them.

Drakos aims to ensure everyone has the care they need, where they want it, now and in the future.

Looking ahead, Drake Bianchi sees boundless ways to innovate Drakos and how healthcare is provided—which could have significant positive impacts on other entities within the healthcare industry, as well as the health and productivity of our community overall.

“We have the tools to make healthcare more accessible, more inclusive, and more tailored to patients’ individual needs,” says Drake Bianchi. “We’re ready to connect with new partners who are also excited to help shape the future of healthcare.”

For more information please see: https://cinemedics.us/

https://drakos-clinical-laboratories-cny.square.site/

St. Joseph’s Health Cardiovascular Institute dream team grows

By: Martha Conway

In late November, the St. Joseph’s Health Cardiovascular Institute in Syracuse expanded its award-winning cardiac surgery team by welcoming the return of Dr. G. Randall Green. Green left St. Joseph’s Health five years ago with hopes of building a cardiac surgery and surgery training program at SUNY Upstate Medical University, but resources came up short.

He returned to a team and a place he loves.

“St. Joe’s had a great program in the past and it has remained a great program in the five years I wasn’t there,” Green said. “I think the people who put the program together and ran it for 10 years being back together is a great story of Central New York having a resource that it deserves.”

Green said it took a long time and many people to get St. Joseph’s Health’s program to where it is now, and it’s done nothing but maintain its excellence during his five-year absence.

“To succeed at providing quality cardiac surgery services, one must have skilled partners like our surgeons Doctors [Charles] Lutz, [Zhandong] Zhou, [Ahmad] Nazem and [Anton] Cherney and our talented group of cardiologists,” said Chief Medical Officer Dr. Philip A. Falcone. “They are great clinicians, have worked with Dr. Green in the past and are here to collaborate with him to provide excellent cardiac care.”

St. Joseph’s Health Cardiovascular Institute encompasses cardiology, cardiac surgery and vascular services. Robotic-assisted surgery leads to shorter recovery, less scarring and better overall health, and surgeons have expertise in all areas of heart surgery. The full range of services include:

  • Aortic valve surgery
  • Arrhythmia correction surgery
  • Coronary revascularization program (CABG)
  • Heart failure surgery
  • Mitral and tricuspid valves
  • Pulmonic valve surgery
  • Robotic valve program
  • Structural heart disease
  • Thoracic aortic disease
  • Transcatheter aortic valve replacement (TAVR)
  • Valve repair

St. Joseph’s Health instituted the first Structural Heart Program in Central New York, resulting in better patient outcomes, lower costs and fewer readmissions.

Green said the experience of the team, historical record of excellence from its members and 100-percent focus on patients turn out consistently superior results.

“This means adherence to policies and procedures that have been developed over time and 100-percent commitment to what I will generically refer to as ‘customer service’ or being the kind of providers you would want for your husband or wife,” he said. “It’s communicating that way, empathizing that way and going the extra mile for each patient- the way you would want it done for your loved one.

“If that’s what we model every single day, nobody can beat us. That attitude – that commitment to quality and outcomes – is what defines cardiac surgery at St. Joe’s.”

Part of the total care experience requires dedicated primary care physicians and cardiologists, as well as proper discharge planning.

“Maximum medical management – that’s what makes a world-class program,” Green said. “If we didn’t have the greatest cardiologists and best primary care physicians aligned with St. Joe’s, we wouldn’t be world-class.”

St. Joseph’s Health quality outcomes for cardiology and cardiac surgery are well-documented. Earning three out of three stars in the most competitive database in the country, St. Joseph’s Health lands in the top 10 percent year after year.

“Anybody can put up good outcomes in one year – statistics often work that way,” Green said. “When you reach it in multiple categories over many years, something is being done right here.”

St. Joseph’s Health Cardiac Institute, established in 1976, continues to be one of the best programs in the nation, as evidenced by the many accolades and awards for quality and patient outcomes its program received over the past 46 years. Some of the hospital’s many recognitions include:

  • Healthgrades’ America’s 100 Best Coronary Intervention Award – 2022
  • Healthgrades’ America’s 50 Best Hospitals for Cardiac Surgery – 2021 through 2023
  • Society of Thoracic Surgeons’ Top 6 Hospitals in the Nation for Cardiac Surgery, having the top distinction in five out of five cardiac surgical categories
  • American Heart Association/Mitral Foundation Reference Center Award for Mitral Valve Repair for demonstrated superior clinical outcomes in degenerative mitral valve repair
  • Healthgrades’ Valve Surgery Five-Star Recipient 10 years in a row – 2012 through 2021

“This year, St. Joseph’s Health received the highest rating possible from STS, a national cardiac surgical quality group, which confirms our excellent outcomes and dedication to high-level cardiac care,” Falcone said. “These outcomes are the result of a very motivated and talented team of nurses, technicians and physicians, all focused on providing the best patient care.”

Falcone said St. Joseph’s Health cardiac care program continues to look to the future by developing advanced technologies including minimally invasive valve replacement, robotic cardiac surgery, new electrophysiology techniques and researching new cardiac vessel perfusion and stenting opportunities.

“We continue to expand our coverage and availability for patients from other hospitals in Central New York and beyond through our Care Flight helicopter and transfer programs,” Falcone said. “Our goal is to be the absolute best cardiac care center, period.”

Green said emerging technologies and potential treatments are growing more rapidly every year and that, while you want to be an early adopter, you want to adopt technology that’s been proven effective.

“There are so many competing technologies right now, it’s hard to know which one is most efficacious, easiest for the patient, etc.,” Green said. “Having several surgeons in one place with the breadth of clinical coverage and depth of experience to sit down and decide which ones to explore is an opportunity none of us has ever had before.”

“In our community, you don’t need to go to Cleveland Clinic or Columbia or Stanford,” Green said. “You can get really great cardiac surgical care right here in Syracuse at St. Joe’s.”

“Whether it’s an evaluation for heart disease, the need for urgent treatment of occluded coronary vessels or treatment for an abnormal cardiac rhythm, our cardiologists are prepared to render whatever services patients require,” Falcone said.

“I’m rejoining the best surgeons in New York and probably beyond,” Green said. “They’re really outstanding surgeons, but they’re also really outstanding people. When it comes to heart surgery, it’s a team sport, and this is a dream team.”

Private Equity Expanding Pursuits in Health Care Investment

Chris Zuccarini, Managing Director, National Health Care Practice, Risk Strategies Company

The trend of private equity (PE) firms seeking high returns in health care has been in full bloom for more than a decade. But whereas previously PE was focused on a top-down approach of buying hospitals and health systems, that focus has begun to shift toward less-costly, smaller specialty groups and physician practices.

Bain & Company’s 2021 Global Healthcare Private Equity and M&A Report found that investors are pursuing new “buy-and-build” strategies in less-penetrated segments of the provider sector. The report notes that there is increased focus among PE firms on areas that are promoting the shift toward home-based and outpatient care, along with “risk-bearing targets” like Medicare Advantage providers operating under capitation models and behavioral health providers.

Mission Alignment is Essential

For health care entities considering an investment from a private equity firm, the risk/reward calculus is complicated by recent downturns in patient volume and revenues due to COVID-19. The pandemic exposed the weaknesses that small providers face in a fee-for-service (FFS) environment and amplified the need for health care companies to maintain sufficient capital resources on hand to remain competitive and viable

The short-term financial windfall that may come from an acquisition must be weighed against the long-term implications, especially for physician practices who need to consider whether they are going to be part of an eventual sale. PE firms have a term of exit, typically within five to seven years, to meet shareholder obligations, so it is fair to raise a concern about what happens when that time is up.

Perhaps most importantly, compatibility relies on cultural alignment between PE firms and health care organizations. The economic model must support the care mission. Ensuring that the missions of the acquiring and acquired organizations are transparent and well aligned is critical for successful outcomes.

Improvements in Efficiency and Accountability

Partnerships between PE firms and medical groups have proven especially advantageous for easing the administrative burden for smaller providers. PE provides practices with a backstop to improve cash cycles and back-office processes, such as management reporting and compliance work.

PE investment has also allowed post-acute companies to grow and test new business models, delivering greater access to in-home care and telehealth. Technology is breaking down the traditional brick–and- mortar localized care delivery system, expanding access and lowering costs. PE brings the capital, and the know-how, to build these assets at scale.

In addition, the involvement of a PE firm creates visibility into the performance of a health care business, holding internal teams accountable for efficiencies to satisfy shareholders while delivering exemplary patient care. In August 2020, a JAMA study found hospitals acquired by PE firms experienced increases in net income as well as improvement in quality metrics.

Thinking Long Term

The health care industry is in a mature stage of PE involvement in core hospital service. With increased segmentation across the industry, the trend is growing and shifting. A JAMA study released in February 2020 found that more than 350 physician practices were acquired by PE firms between 2013 and 2016. The study concludes that PE firms see ample business opportunities in the physician practice space, expecting annual returns greater than 20%, though there remain “unknown implications for care delivery and patient outcomes” in the future.

Provider leaders should consider what they need long-term out of a PE transaction, secure commitments to quality and ensure that the new management will continue to invest as the industry moves away from FFS and expands into new business models.

Practices also need to consider the legal and compliance complexities that can arise out of the new administrative structures resulting from a PE investment. Risk Strategies Health Care Practice experts have extensive experience evaluating and advising on these partnerships and stand ready to help you achieve the best possible outcomes.

For more information on your insurance options, please contact Jenn Negley, Vice President, Risk Strategies Company at 267-251-2233 or JNegley@Risk-Strategies.com.

Beware the Overtime Trap

By Bruce Wood, Esq.

It’s no secret that there is a nationwide shortage of skilled medical professionals, particularly nurses and physician assistants, which has resulted in longer work weeks for many employees. Those staffing shortages will not be resolved soon and healthcare employers need to be careful to avoid running afoul of federal and state wage and hours laws governing the payment of overtime compensation.

There is a common misconception that all medical professionals are exempt from overtime compensation. The Fair Labor Standards Act (FLSA) provides an exemption from the Act’s minimum wage and overtime requirements for any employee employed in a “bona fide professional capacity”. To meet that test the employee’s primary duty must be the performance of work requiring knowledge of an advanced type in a field of science or learning customarily acquired by a prolonged course of specialized intellectual instruction.

Clearly, licensed physicians are considered professional employees. And so are registered nurses, nurse practitioners, physician assistants, and certain certified medical technologists. Licensed practical nurses and other similar health care employees, however, generally do not qualify as exempt professional employees because possession of a specialized advanced academic degree is not a standard prerequisite for entry into those occupations.

In addition to meeting the test of a bona fide medical professional, the exempt employee must also be paid on a salary basis; however, the salary requirement does not apply to those who practice medicine (e.g., physicians) and while it may be argued that NPs and PAs practice medicine (since they can diagnose and treat), the courts interpreting the FLSA have generally held that they do not.

Thus, if the NP or PA is compensated on an hourly basis, the FLSA requires the payment of overtime compensation for work in excess of 40 hours per week. In the absence of unusual facts and circumstances, the employment of an NP or PA on a fixed salary should be exempt from the FLSA overtime requirements.

Some healthcare employers may be tempted to try to avoid the statutory overtime requirements by structuring the hourly compensation arrangement as an independent contractor relationship rather than an employment relationship. Independent contractors are not protected by the FLSA. But the government is wise to attempts to skirt the wage and hour laws merely by calling a worker an independent contractor. The IRS, and more recently the Workers’ Compensation Board, have been aggressive in recharacterizing independent contractors as employees, with the imposition of fines, penalties and interest against the offending employer.

That is not say that there cannot be legitimate independent contractor arrangements. But the employer would wishes to use independent contractors should make sure that those contractors meet certain requirements: they should be truly independent with the right to control the means of their work; maintain their own insurance; have their own business cards and business identity; and preferably perform services for more than one medical practice.

What if the healthcare employer enters into an independent contractor agreement with the professional’s limited liability company (LLC) or corporation? Will that pass muster and thus exempt the hourly compensation from the overtime requirements?  The answer is a clear “maybe”. The courts will look to the economic reality of the arrangement and the designation of the contract between the parties will not be determinative. The fact that compensation payments are made to an entity rather than a real person, and issued a 1099 instead of a W-2, does not insulate the arrangement from potential recharacterization.

A medical practice that has hourly compensation arrangements with healthcare professionals without paying overtime compensation when earned creates not only an ongoing legal and financial risk but one that could derail the sale of the practice in the future. Hospitals, private equity venturers and other buyers conduct very thorough due diligence when undertaking acquisitions. Part of the due diligence will be an audit of employment practices to ensure that federal and state wage and hour laws have been complied with. If the potential acquirer believes that the medical practice has significant legal exposure from noncompliance, it may have leverage to extract large financial concessions, or in the worst case to walk away from the deal.

Bruce Wood is a member at CCB Law, a boutique law firm focused on providing counsel to physicians and healthcare professionals. He can be reached at 315-477-6292 or bwood@ccblaw.com.

Regional Reach

Kathy Ruscitto

FIRST, I WANTED to share how much I enjoy feedback on these editorials. When people take time to agree or disagree, it improves both of our thinking. My perspective comes from my
experience. Thank you for sharing your experiences!

This column is on regional reach.

Living in the Adirondacks, I often receive phone calls from families in crisis — generally at night or on weekends. Care is limited to primary care in many rural areas, with no urgent care and little access to specialty care. “Where should I go?” is the most common question I hear.

Resident population has grown in the Adirondacks and many rural communities post COVID, and summer and seasonal tourism has also swelled throughout the region. The same thing
has happened in every tourist community around us.

When I get calls about where to go for care, I encourage them to call their primary care physician wherever they are and request a telemedicine consult. However, people often go to the local ambulance center, and the staff there may not be available if they are responding to a call. I have developed a shared list of urgent care centers in the region from Utica to Rome to Syracuse, and I also refer people to LivingADK (livingadk.org), an organization that
advocates for the region and maintains a list of regional resources.

Families travel routinely from throughout the ADK Park to Utica, Rome and Syracuse for orthopedic care, mental health care, cardiac care, emergency care and testing. They share with me the gaps they find and the difficulty they have in figuring out where to go. Sometimes they just pack up in the summer and return to their home communities hours away when they can’t figure out where and how to access care.

So my questions to your practice are these: Are you a local or regional resource? Do you offer screening clinics in rural communities? How do patients in rural communities, particularly
in the summer, know you are there? Does your marketing reflect your regional presence?

Conversely, I ask community leaders about how rural communities educate their residents and plan information around access to care for summer residents and tourists. Old Forge estimates it can go from 2,000 to 20,000 summer residents and tourists on a busy weekend. When there is an injury, the closest care is one to two hours away by car. 

The landscape in health care is changing, and patients are traveling further to access specialty care. Many large centers from the Mayo Clinic to Cleveland Clinic are offering telemedicine and access in ways that minimize travel.

What are the opportunities available through technology to expand your regional reach? How do regional screening clinics open up access for patients? Finally, are there innovative solutions for accessing care in tourist communities where an urgent care center could only be successful in peak season?

Think about reaching out to the regional organizations who provide info to summer visitors and new residents. I know LivingADK would love to hear from others not included in their database.

Thanks for all you do in serving these communities. 

Kathryn Ruscitto, Advisor, can be reached at linkedin.com/ln/kathrynruscitto or at krusct@gmail.com.

Further Reading
1. Emerging Stronger From the Crisis: What’s Next
for Regional Providers? (mckinsey.com/industries/
healthcare-systems-and-services/our-insights/emerging-strongerfrom-
the-crisis-whats-next-for-regional-providers)
2. How Standing Up Regional Markets Is Improving Access to Health
Care (health.mil/News/Articles/2022/01/11/How-Standing-Up-
Regional-Markets-is-Improving-Access-to-Health-Care)
3. Healthcare Access in Rural Communities (ruralhealthinfo.org/
topics/healthcare-access

CRAL’s Craig Zinserling Walks the Talk

By Tami Scott

Perseverance is a character strength that most entrepreneurs would agree you must embrace to accomplish your dreams. This virtue is one that Craig Zinserling developed years ago, initially through watching and learning from his parents, Jack and Marcia. He would observe how they handled life – the good, the bad, and the ugly – just by sitting around their kitchen table and witnessing how they faced their challenges with a great attitude.

“You’re never given too much that you can’t handle,” he said. “My parents brought me up that way and [I’ve] been able to adapt that into my life.”

Zinserling, who founded CRAL Contracting, Inc., is celebrating the company’s 18th anniversary this year as an indoor air quality specialist. The “acronym” CRAL comes from combining Zinserling and his wife’s first names together: Craig and Lori. It’s perfectly fitting, too, since the company’s backstory involves a collaborative effort between the couple to get it started.

“I’d always watched my father in his business endeavors, and I always aspired to have my own business,” said Zinserling, despite having worked his way up to a vice president relationship working for a national environmental contracting company. “My wife Lori – she would encourage me. We had many, many long discussions trying to figure out how to make that leap even though we had a mortgage, three kids, and a couple of car payments – how do you pay all that?”

They persisted and they made that leap but not without a multitude of sleepless nights, seven-day workweeks, and attending many of his son’s soccer games with laptop in tow. As the sole “employee,” Zinserling wore many hats, selling, managing, and actually doing all the jobs on his own.

“In the beginning, it was hard getting established, but we made it through and we were able to establish a foothold through relationships we had built here in Syracuse, having grown up here my entire life,” Zinserling added.

CRAL now has two locations – one in Syracuse and one about an hour and a half west of Syracuse, in Rochester. Zinserling said the second location was a natural fit as he and Lori had lived there for some time, too.

The relationships he’s built over time have played critical roles in the building of CRAL and where it is today. For instance, once CRAL was established, its first customer was Crucible Steel in Syracuse – and that was in large part due to connections he made and maintained.

“If I have a friend who has a tax business or a barber shop, I’m giving my friend business even if it’s more money. I want to support my friends and those relationships that I’ve developed for over 55 years in Syracuse,” Zinserling said. “It’s a small town and doing work right and treating clients well will follow you.”

Loyal customers and a good-standing reputation also mean publicity in the form of “word of mouth.” When the pandemic began, Zinserling feared the worst.

“I think with any business owner, there was complete panic. From a business standpoint, I was wondering if I’d lose everything,” he said. “How do you close a business down and have no [money] coming in, and not being able to pay people – how will we survive?”

As the saying goes, perseverance pays off. Office staff continued to come to work and “didn’t skip a beat,” he remarked. The team was able to complete the projects for which they were hired and “like manna from heaven,” Onondaga County called CRAL for work. The first testing site had been set up in the inner city, but it needed disinfecting and sanitizing, of which CRAL is the expert.

“Our crews [went in] on a daily basis with specialized equipment. They were in full PPE, and we had HEPA air cleaning devices spread out throughout their facility and we were disinfecting and sanitizing around the clock,” Zinserling said.

Soon after, this service branched out to private businesses as well as nursing homes throughout NYS and downstate into NYC. “The nursing homes weren’t set up for isolation and that’s what we do. We’re very good at engineering isolation containment and we would contain an entire wing of these nursing homes and put them under HEPA negative air pressure and disinfect and sanitize around the clock.”

Other than a few calls here and there from a private business or nursing home, Zinserling said that type of work is essentially over. Regular services, such as mold remediation, lead abatement, and asbestos abatement, can again take the lead in project acquisition.

Giving back

Zinserling remembers what it was like to find and rent office space when he was just a budding business owner himself. About six years ago, he began pursuing real estate to purchase and eventually found a building that was reasonably priced but had a large footprint – 22,000 square feet. “I don’t need that much space,” he said. 

So, he came up with an idea that stuck and worked. He set up that building, and another one that he acquired, to be incubators for young local, minority entrepreneurs. “They rent a simple office from us and a space for their startup business.”

He’s had several renters leave to buy their own real estate to work from and he said it’s so fun to watch. “It’s absolutely a joy for me to watch these young guys and gals pursue their dreams and be successful.”

Zinserling also sits on the board for David’s Refuge, a local charity that over the years has grown exponentially. The nonprofit provides respite and other support to parents and guardians of children with special needs or life-threatening medical conditions. Warren and Brenda Pfohl formed David’s Refuge in honor of their son to encourage parents to keep pressing on. David was diagnosed with and battled Batten Disease for thirteen years.

“Parenting and marriage are difficult enough under regular circumstances and on top of being a full-time caregiver, it’s extremely difficult,” Zinserling said. “They really saw the need for caring for the caregivers.”

The organization provides caregivers with respite weekends, putting them up in nice places that also support the local community. To learn more about David’s Refuge, visit DavidsRefuge.org.

Zinserling’s steadfast spirit is a trait that, by the way he chooses to live his life, does not go unnoticed. And because he has a deep, personal, and meaningful sense of meeting life’s challenges with patience and perseverance, he wants to help those he works with daily to adopt that same attitude.

Now having grown a company to include up to 50 employees, professionally surviving a pandemic, and personally helping others through complicated life journeys, Zinserling is a stellar example of success.

And so are those who have helped him achieve his dreams.

“We have a core group of staff that has been here from nearly the inception. They are the backbone of the business,” Zinserling said. “Frankly, I am no longer needed. They are so talented and caring that they run the business.”

Are We Ready for 2023?

Pierre Morrisseau

We have certainly been living through interesting times these past few years. Leadership has faced numerous challenges—some “once in a hundred years” events. Still, I am happy to report that the vast majority of our clients have thrived as they turned up their creativity and ingenuity, leaned their businesses, and opened their minds to new ways of operating. But as we all know; our work is never done. Change is the only constant, and leaders are looking cautiously toward 2023.

In a recent Gartner CEO and Senior Business Executive Survey, leadership’s greatest focus for 2023 boiled down to four “P’s”: People, Purpose, Prices and Productivity. I would agree and over the past year, we at OneGroup have doubled down in these areas as well as investing heavily in new technologies to increase our productivity and effectiveness in serving our clients in the new hybrid work environment.

While growth has always been the leading priority for any company to survive and thrive, we’re seeing from research and across our large client base, that there has been a dramatic shift in thinking toward the human capital that makes sustained growth possible. Our focus, like many others, has been on finding superior talent with superior work ethic. We have increased our training capabilities to ensure our employees have a clear path to growth and success with our company. We have organized our thinking and operations to recognize where an employee’s true talents and passion lie in order to maximize both retention and productivity. We have also focused intently on our workforce diversity and inclusion to allow us to take advantage of the broadest array of views. We feel strongly that these changes are allowing us to build a strong culture with a deep sense of purpose.

By way of disclaimer, as an engineer by education, I had always leaned toward data and process. Measuring data as gathered—a snapshot of time—allowed us to track our progress and amend our processes. However, limited our thinking to what “was” and prevented us from seeing what “could be” if we allowed for more flexibility and creativity within our workforce. I am very pleased to report that the results have been impressive. We certainly continue to capture and review data, but we now focus equally on how we can remove barriers to productivity and innovation. I believe this is creating a place that is more rewarding for employees and leading to better growth for our company.

Finally, the more troubling “P”—Prices—is a concern every leader is watching closely going into 2023. The Gartner survey showed that 62% of CEOs reported that inflation was expected to be high and to persist over the long term.

In our industry, we have been seeing steady increases in insurance premiums. There are many causes including higher overall prices for homes, automobiles, and repairs as well as increased risk in many areas including environmental, cyber-attacks, and supply chain woes to name a few. We see this putting a strain on business and draining dollars that could be deployed to increase productivity and growth. To combat insurance price volatility, we have expanded our risk analysis team, focus on identifying cost drivers and utilize our team of experts to find better solution. We also leverage our scale to offer clients more carrier options.  

Given all of the challenges we each share in our own industries, CEOs are an optimistic bunch. The latest Chief Executive CEO Confidence Index showed that CEO optimism soared 14% to nearly 6 in 10 believe that by this time next year, the country will be well into recovery. I, too, am confident that our work today will contribute mightily to our success in 2023.

I would love to hear your views and what you are navigating change. As always, I am happy to share what we are doing to grow our business.

Operational Excellence: A Journey

By: James A. D’Agostino, CEO, MEP Center Director

As its name implies, continuous improvement is a never-ending process. Whether it is the need for greater sales, increased productivity, or anything in between, there is always something that can be improved upon. Continuous improvement can occur as a major event or transformation such as a Kaizen event, or it can occur through daily, gradual improvements with a Kata approach. When organizations realize successes with these continual improvement efforts, many will claim to have achieved some degree of operational excellence. But what is operational excellence, and what does a manufacturing organization look like once it achieves a level of operational excellence?

Operational excellence does not have a singular definition that is universally agreed upon, nor should it. Every company is different, so operational excellence may mean different things. Companies measure performance and success differently, and many also have different operational goals and objectives. Operational excellence is a mindset that embraces certain principles and tools to create sustainable improvements within organizations, and it is achieved when every member of an organization can see the flow of value to the customer. Employees should actively try to improve both the value and its delivery. However, from a high level, operational excellence can be broadly defined through the following core principles:

  • Focus on the Process: When mistakes happen, the natural human reaction is to blame the operator. Deming, anyone? However, when we take a moment to analyze the issue, we should question why the process allowed the operator to perform in the manner that resulted in the mistake. We should strive to assess what part of the process the error occurred in, and then make the necessary process changes to try to achieve the desired outcome.
  • Promote Scientific Thinking: As we discussed recently with the subject of Toyota Kata, innovation comes from rapid experimentation and learning. By systematically exploring new ideas, an organization will encourage employees to do the same without fear of failure.
  • Emphasis on Value Streams and Systematic Thinking: Organizations must fully understand customer needs to create value (i.e., what customers are willing to pay for). Organizations that stop delivering customer value are not sustainable over time. In addition, systems contain many different interconnected parts that work together. It is critically important to understand relationships between each part to ultimately make better decisions that will positively impact customer value.
  • Flow and Pull: The goal of every organization should be to provide the utmost value to its customers. Interruptions and work stoppages create inefficiencies (i.e., waste), so organizations should ensure that processes and workflows are continuous. Hand-offs from one operation to the next should be crisp and tight.
  • Quality at the Source: Excellent quality can only be achieved when every part of the process is completed correctly. Workstations and processes should be structured and organized to allow potential problems to become visible immediately. When mistakes occur (and they will), work should be stopped immediately to correct the mistake before continuing, and time should be taken to understand what was learned by the mistake.
  • Respect All Individuals and Lead with Humility: Respect is a two-way street. One of the best ways to demonstrate respect for your employees is by involving them in continuous improvement efforts, especially those that affect them. This will lead to empowerment and greater engagement. Leaders should always seek to exercise humility, which involves a willingness to listen. Good leaders should also always give credit where credit is due.
  • Aim High: While perfection may feel unattainable, that does not mean that an organization should not strive for it anyway. By setting lofty goals and expectations, an organization creates a different mindset and culture.
  • Clear and Consistent Goals and Communication: Employees should continually understand and be aware of the goals and objectives of the organization, along with their progress towards meeting them. This will keep the organization aligned in its purpose from top to bottom.

Overall, operational excellence is not just about reducing costs or increasing productivity in the workplace. It is about creating a vibrant company culture that will allow you to produce valuable products and services for your customers and achieve long-term sustainable growth. Operational excellence is a journey that involves applying the right tools to the right processes at the right time. When this happens successfully, the ideal work culture is created where employees are provided for in a way that enables them to stay empowered and motivated.

Does your organization look and perform like this already? If so, job well done – you can pat yourself on the back! If not, do not fret. TDO’s team is fully certified to help manufacturers define and achieve operational excellence at all levels. Reach out today to learn more and schedule a free consultation!

WILL THEY TAKE MY HOUSE? (AN ARTICLE ABOUT LONG-TERM CARE PLANNING, NOT BANKRUPTCY)

By Jason D. Nickerson

The topic for this article came through a request that focused on Medicaid. However, I decided to expand the topic to include Long Term Care Planning because this is an extremely robust topic, as you will see.  The question that serves as the title of this piece illustrates how much confusion lies in this area of Wealth Management.

Let’s start with the ominous “They”.  Who are “They” and why are they taking people’s homes?  How does this link to me getting older and not having the ability to take care of myself?  While this is a very common concern, no one is in fact going to come and take your home.  This is a myth – that when you are unable to care for yourself, someone will show up, kick you out, and take ownership as payment.  This does not happen.

Instead, Long-Term Care generally happens in 3 phases:

  1. In-Home Care: Most people prefer to stay in their own home if they can by hiring people to come in part-time and help with daily activities.  There are two ways to pay for this: out of pocket or insurance. 

2.      Assisted Living: A location that people rent that includes some level of help with daily activities and onsite medical treatment.  Again, paid for out of pocket or with insurance.

3.      Nursing Home:  This is the level of care needed when you cannot be alone or need help with just about any daily activities.  There are three ways to pay for this: out of pocket, insurance, or Medicaid (also a form of insurance).

Medicaid pays for nursing home care when people cannot pay for it themselves or don’t have long term care insurance.  As stated earlier, they do not come to take your home.  Medicaid is not looking to be a real estate investor.  Rather, the value of your home can be factored into the assessment of your ability to pay for your care through assets and income.

Before we go much further, this is not an article about how to make yourself look “poor” to qualify for Medicaid.  There is a great debate over the ethics of these efforts and we will leave that discussion for another article.

The common questions we get asked are “What can I do to protect my house from the nursing home?” or “Do I need Long Term Care Insurance?”  At John G. Ullman and Associates, we enter these conversations with clients by asking one simple question (after preparing a detailed personal net worth statement); “Do you want to protect any of your assets for your heirs?”  If the answer is yes, then we need to discuss the different forms of insurance that may be available.  If the answer is no, then that is usually the answer for whether insurance is needed.

We then go on to one of the great philosophical statements: In order to get something, you have to give something up.  I believe the root of this should be credited to author David Levithan, different words, same meaning.

If you want to protect your assets, you can either spend money on insurance, or give it away to your heirs now (with no future benefit coming back to you).  If you give it away now, it’s not yours.  The protection you seek may not deliver what you would want for yourself for care going forward.  If you want top-notch care, you will need to give up some level of protection of assets for heirs and use it instead to pay for insurance and/or your care.

As this topic is extremely robust, my goal was to present a mental model for approaching it with your advisor, be it financial or legal, rather than lay out specific strategies.  That could take up a single volume of this publication all its own.  If you do not have a professional you are working with and need to on this topic, please contact us for a non-commercial (meaning free and we won’t sell you anything) discussion and we can get you started down a good path. 

So will “They” take your home? No, but you should still be preparing for future health care costs. It is not an enjoyable topic to consider or discuss, but you should not just table it for the future because the future might arrive sooner than you expect. You have options; take the time to explore them. In the end, whether you want to protect assets by using long-term care insurance or prefer to spend your own money is a choice entirely up to you.