Transparency

Transparent Advisor Relationships

It is time for companies to start demanding that the financial interests of their brokers/advisors be aligned with your company’s interests. Under the status-quo model, brokers make more as your insurance rates increase, and there is no financial incentive for that broker to reduce your costs. By tying compensation, or some amount of it, to performance, it begins to properly align your broker’s interests with your own. When you commit to implementing high-performance benefits, you want everyone working towards the same goals, including your broker.

Health Rosetta Advisor Code of Conduct
Health Rosetta Advisors adhere to a higher standard of conduct than the status
quo. This helps ensure that the health and financial interests of the plan sponsor
and its members are advanced on behalf of clients.

1. Good for Plan Members and Employers
   We resolve to only implement programs and solutions that seek to and have the likely outcome of
   improving the plan sponsor’s bottom line, the plan member’s bottom line, and most importantly, the plan
   member’s health.
2. Programs Should Do No Harm
   We resolve that brokers, consultants, and advisors should do no harm to member health, corporate
   integrity, or member or employer finances. Instead, we will endeavor to support member well-being for
   our customers, their employees, and all program constituents.
3. Employee Benefits and Harm Avoidance
   We will only recommend implementing programs with/for employees, rather than to them, and will focus
   on promoting responsible practices for the health plans we serve. Our choices of programs and
   strategies shall always prioritize best outcomes at the lowest cost, in that order, with a strong focus on
   the responsibility that an employer should provide affordable coverage for their employees while
   respecting the financial integrity of the business.
4. Respect for Corporate Integrity and Employee Privacy
   We will not share employee-identifiable data with employers and will ensure that all protected health
   information (PHI) adheres to HIPAA regulations and any other applicable laws.
5. Commitment to Transparency
   Our focus shall be to bring transparency to all levels of healthcare financing. From how we get paid, to
   how insurance companies and PBM’s get paid, to how providers get paid.
6. Commitment to Valid Outcomes Measurement
   Our contractual language and outcomes reporting will be transparent and plausible. The end goal is to
   improve outcomes and quality of care while lowering costs and the ability to do this shall be measured
   and reported on in a valid, consistent and accountable format.