7:30 a.m. – 6 p.m.

Registration Open

8 a.m. – 12:30 p.m.

ECFC Board of Directors Meeting

Pre-Symposium Workshop

8 a.m. – 9:15 a.m.

Track 1:

FSA/Claims Managment

Speaker: Susan Monkmeyer, Esq.| Thompson Reuters/EBIA

This session provides a “teach to the test” approach for understanding the basics of Flexible Spending Accounts (FSAs) and eligible expenses and the use of debit cards for FSAs. | Session required for FCS and CFC designation.

8 a.m. – 9:15 a.m.

Track 2:

Cyber Liability

Speaker: Cindy Davis, Esq. | Anderson, Helgen, Davis, and Cefalu, P.A.

This session will review data breach trends, contract provisions to consider, and cyber insurance coverage. | Session required for the ACFC designation.

9:30 a.m. – 10:45 a.m.

Track 1:


Speaker: Janet LeTourneau, ACFC | Wageworks, Inc. and Fran Scott, ACFCI | CONEXIS

This session provides a “teach to the test” approach for understanding consumer-driven healthcare, specifically on Health Reimbursement Arrangements (HRAs). | Sessions required for FCS and CFC.

9:30 a.m. – 10:45 a.m.

Track 2:

COBRA for FSAs and HRAs

Speaker: Carol Rito, ACFCI

This session provides a “teach to the test” approach for understanding how COBRA applies to HRAs and FSAs | Session required for CAS designation.

10:45 a.m. – 11 a.m.


11 a.m. – 12:15 p.m.

Track 1:


Speaker: Sue Sieger, ACFCI, CAS | Employee Benefits Corporation

This session provides a “teach to the test” approach for understanding consumer-driven healthcare, specifically on Health Savings Accounts (HSAs). | Sessions required for FCS and CFC.

11 a.m. – 12:15 p.m.

Track 2:

Nondiscrimination Testing

Speaker: Susan Monkmeyer, Esq. | Thompson Reuters/EBIA

This sessions provides a “teach to the test” approach for understanding the nondiscrimination tests required for cafeteria plans and their components. | Session required for FCS and CFC designation.

12:15 – 1:45 p.m.

Committee Meetings & Lunch

1 – 5:30 p.m.

Exhibit Hall Open

2 – 2:20 p.m.

Administrators’ Symposium Opening Session

Welcome and Introductions with: Ben Morris, ECFC Conference Chair and William Short, Chair, ECFC Board of Directors

2:20 – 3 p.m.


A Disturbance in the Force and the Awakening: Consumer Driven Health’s Challenges and Opportunities.

Speaker: John Young | Consumer Driven LLC

Consumer Driven Healthcare has hit its tipping point. Unfortunately, many things are being done in the name of consumerism that is hurting the momentum. This session will educate of the issues hurting and helping the original vision, and inspire a collective response to take our industry to the next level.

3 – 3:45 p.m.

The Final Days of the 114th Congress and the Obama Administration: A Look Ahead with Experts at Mehlman Castagnetti Rosen & Thomas, Inc.

Speakers: Sohini Gupta and Dean Rosen, Mehlman Castagnetti Rosen & Thomas, Inc.

With an historic Presidential election and Congressional contests only a few short months away, much of Congress’ focus for the remainder of the 114th Congress will be driven by finishing must-pass spending bills, as well as political positioning. Despite the challenges of legislating in a Presidential election cycle, however, much has accomplished during the past year and significant headway has been made on issues of importance to ECFC. In addition to the current environment, with President Obama’s presidency heading in its twilight, ECFC has been laying the foundation to hit the ground running in 2017 and start the 115th Congress with strong allies and support. What can we expect after the 2016 elections, and how are we preparing and positioning for 2017? Hear from the experts at Mehlman Castagnetti Rosen &Thomas about challenges and opportunities for ECFC member priorities during the remainder of 2016, and for the new Congress and Administration.”

3:45 – 4 p.m.


4 – 6 p.m.

Innovative Health Plan Structures in a Post-ACA World

Speaker: John Hickman Esq., CFCI | Alston & Bird, LLP

Innovative Health Plan Structures in a Post-ACA World – This session will provide a post-ACA compliance update including recent agency pronouncements (wellness regulations, agency FAQs and IRS Notice 2015-87) and legislative issues. The compliance update will be followed by a high-level overview of how plan sponsors are changing their health plans and the associated compliance issues with: integrated HRAs, on-site clinics, narrow/skinny networks, MEC only coverage, tele-health and HSAs

6 – 7:30 p.m.

Welcome and Networking Reception

Please thank our Diamond Sponsor Visa for hosting the welcome and networking reception.


7 – 8 a.m.

Continental Breakfast in the Exhibit Hall

7 – 11 a.m.


7 a.m. – 12 p.m.

Exhibit Hall Open

8 – 9:15 a.m.

Deep Dive I:

Lessons Learned from OCR HIPAA Enforcement Actions

Speaker: Cindy Davis, Esq | Anderson, Helgen, Davis & Cefalu

This session will review the enforcement actions of the Office of Civil Rights and identify the areas of focus and compliance issues identified. The session will also outline the factors identified by OCR in assessing penalties and/or other corrective action requirements.

8 – 9:15 a.m.

Deep Dive II:

The Many Faces of Customer Service

Speaker: Sheilla Jones & John Fulbright | Gallagher Benefit Services

The former two-dimensional call-center paradigm for customer service has evolved into a multi-faceted, three-dimensional approach due to the evolution and rise of social media and technology in all aspects of life. To provide excellent customer service today, consumer-directed health plans must first understand each customer and how the customer views/values his or her health plan. Each aspect of customer service offered to enhance the participant experience in the consumer-based health plan market needs to balance the diversity between today’s wide-ranging plan-participant demographic, from octogenarians to millennials. This raises the bar and can require significantly more resources in order to offer customer service through multiple vehicles – phone, fax, email, online portal, and mobile devices.

8 – 9:15 a.m.

Industry Showcase:

Innovations in Consumer Healthcare Payments

Speaker: Beth Griffin | Health Payment Systems

This session will overview challenges in the market for Payers, Providers and consumers and the some of the technology innovations and solutions that are available to address these challenges. Then talk through the benefit of leveraging some of these solutions soon.

9:30 – 10:45 a.m.

Deep Dive 1:

How to Survive a DOL Audits

Speaker: Lisa A. Allen, CHRS, CAS | Relph Benefit Advisors

The federal agencies responsible for monitoring compliance of ERISA-governed plans are stepping up their audit efforts across the country, with an increasing focus on health and welfare plans. Audits now include Affordable Care Act provisions and mandates which include providing proof of compliance with the mandates since March 23, 2010. With the DOL, it’s no longer an “IF” , but a “WHEN”. This seminar will review items in a DOL audit but take a deep dive into an actual employer DOL audit request and review how to respond. Preparation is key to Surviving a DOL Audit!

9:30 – 10:45 a.m.

Deep Dive II

Building a Strategic Response for HIPAA Privacy and Security

Speaker: Tara Silver- Malyska, JD, CEBS, MBA, FLMI | Willis North America

Significant new regulations issued by HHS exponentially expand employer compliance expectations with respect to the privacy and security of protected health information. Coupled with new regulations implementing enforcement of the Genetic Information Nondiscrimination Act (GINA) and the Health Information Technology for Economic Clinical Health Act (HITECH), the 2013 HIPAA rules signal a marked change of course with respect to agency regulation and enforcement of employer privacy expectations. This program provides an overview of HIPAA’s recent changes and new employer obligations to facilitate an appropriate HIPAA compliance strategy.

9:30 – 10:45 a.m.

Industry Showcase

Connecting Financial Health and Well Being – Why does it matter and how do health savings and reimbursement accounts/CDH make a difference?

Speaker: Carlos Hernandez | Acclaris, Inc & Steven Nyce | Willis Towers Watson

As the way people view and manage their health and finances changes, the health care industry needs to adapt to keep pace. According to data from Acclaris parent company Willis Towers Watson, financial well-being and health are deeply connected. Less than half (45 percent) of U.S. employees are satisfied with their financial situation, and one in five believe that their financial problems are negatively impacting their life. By better understanding employees’ health care concerns and financial challenges, employers can build the trust and transparency needed to create engaging programs that will drive healthy decisions and better outcomes – for both the employer and employees. In this presentation, employers, health plans, banks and benefits administrators will learn how to help employees/ plan members maintain and improve both their physical and financial health.

10:45 – 11:15 a.m.


11:15 a.m. – 12:30 p.m.

Deep Dive 1:

Legal Rules for Modern Wellness Programs

Speaker: Mark Stember, Esq., CFCI | Kilpatrick Townsend

The session will focus on discussing the legal rules under HIPAA, ADA and GINA affecting wellness programs. Discussion will center around the currently proposed EEOC regulations under ADA and GINA. One or both of these regulations may be finalized in time to discuss at the ECFC meeting. We will also discuss approximately 3-5 case studies to understand how the rules apply in given situations.

11:15 a.m. – 12:30 p.m.

Deep Dive II

Primer on Section 213 Medical Expenses

Speaker: Donna Crisalli, JD, LLM

Using specific examples, I will explain the rules for determining whether an expense is a reimbursable medical expense: basic definition, special rules, fact-based situations, and areas lacking clear answers

11:15 a.m. – 12:30 p.m.

Industry Showcase

Spending & Saving Moments of Truth: Opportunities to Maximize Consumer Value

Speaker: Leslie Antunes | Alegeus Technologies

As the healthcare market shifts toward individual responsibility for healthcare costs, consumers are challenged to take a more active role in managing their finances. Historically consumers were primarily focused on health plan selection, now they are faced with a broader set of spending and saving “moments of truth” – each of which represents an opportunity to maximize the value of their limited healthcare dollars. But, what are these decisions? How significant are they to consumers? Which decisions are more daunting and cause higher degrees of friction to consumers? What type of support tools do consumers want and need to manage these decisions? How do outlooks, behaviors and preferences differ by consumer segment? During this session, Leslie will dive into research from Alegeus to answer these questions in order to provide attendees with insights to maximize consumer value. The presentation will include video snippets from consumer survey participants that illustrate key insights.

12:30 – 1:30 p.m.


1:45 – 3:00 p.m.

Deep Dive I:

ACA Reporting – Lessons Learned from 2015 and Planning for 2016 Reporting

Speaker: Carol Rito, ACFCI | Group Associates, Inc

The session will provide recommendations for employers on how to improve their payroll and benefit administration recordkeeping for more accurate and efficient reporting, how to gather information from carriers, how to interpret changes in status for proper coding, provide a thorough understanding of the codes and interrelationships between the codes and how to manage the IRS feedback from transmittals. The session will provide numerous flowcharts, examples and reporting scenarios to assist in understanding the complexities of the reporting requirements. It will also include any updates released by the IRS that will affect the 2016 reporting requirements. Maestro Health distributed over 300,000 1095-C’s for clients of all types and sizes for the 2015 reporting year. We are one of the first to be authorized to transmit to the IRS. In the process we’ve developed significant experience and insight into how to properly and efficiently complete the reporting requirements.

1:45 – 3:00 p.m.

Deep Dive II:

Private Exchanges: Weighing the Promise and Projecting the Impact

Speaker: William G. Stuart | Benefit Strategies, LLC

This program is designed to move beyond the definition of private exchanges to address the claims that private exchanges are “the next great thing” in medical benefits cost containment. We’ll take a balanced look at these claims and leave participants with some tools that will allow them to think critically about the impact of private exchanges in their companies. Topics include:

(1) What a private exchange is (and isn’t)

(2) What exchange models are available to smaller clients

(3) What benefits a private exchange can deliver to employers and employees

(4) Sources of potential savings when moving to a private exchange model

(5) Realistic savings from a private exchange

(6) Assessing the impact of a private exchange at your company

1:45 – 3:00 p.m.

Industry Showcase

2016 Flexible Spending Account and Health Savings Account Consumer Research

Speaker: Jim Meduna | Visa, Inc.

Present key findings from annual consumer research conducted by Visa in 2016 to understand trends in consumer awareness, attitudes, perceptions, and behavior with regards to using Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) to save and pay for qualified health care expenses. Speaker will present using powerpoint slides followed by Q&A.

2:30 – 5 p.m.

Exhibit Hall Open

3 – 3:30 p.m.


3:30 – 4:45

Deep Dive I:

Telemedicine/OnSite Medical Clinic Compliance Issues

Speaker: Darcy L. Hitesman, Esq. | Hitesman & Wold, P.A.

The need to manage health care costs continues to generate new ideas and products which must generally fit within the existing legal framework; in some cases, trying to fit a square peg in a round hole. Decisions regarding health care design and operation are far reaching and should not be made in a vacuum. A potential means of addressing an issue (e.g., ease of access, cost efficient provision of services, etc.), requires thorough review of potential applicable laws. This session focuses on numerous laws impacting two of the more popular cost management tools, telemedicine and on-site medical clinics. Through the use of a step wise approach, various laws are identified and reviewed, including ERISA, the Code, HIPAA Portability, HIPAA Privacy and Security, COBRA, FMLA, Health Care Reform, and potential state laws. In addition, with minimal adjustments, this approach may prove helpful in evaluating other ideas and products existing today and those yet to come.

3:30 – 4:45

Deep Dive II:

Choosing an HSA Administrator: DOL Compliance and more

Speaker: Dennis Triplett | UMB Healthcare Services

The Department of Labor (DOL) recently released its final fiduciary ruling. Financial advisors are now legally required adhere to a standard of care -meaning they act in their clients’ best interest without being influenced by fees. The ruling is also impacting health savings accounts (HSAs). It will be

important to carefully select HSA providers that are compliant on this issue along with other key areas to insure a positive experience for employers and account holders. In this session, Dennis Triplett, chairman of UMB Healthcare Services, and a co-presenting attorney will cover the impact of the DOL ruling on HSAs along with those key areas to consider when selecting an HSA administrator.

3:30 – 4:45

Industry Showcase:

Getting Millennials Excited about Consumer Directed Benefits

Speaker: Janet LeTourneau, ACFCI | WageWorks, Inc & Nikki Brown, ACFCI, CAS | CONEXIS

The modern workforce is dominated by millennials, but findings from the Employee Benefit Research Institute show that they are more likely to feel disengaged and unaware of their employer-provided benefits. In order to remain relevant, third party administrators must find ways to educate millennials about their employee benefits options and cater to their generational needs. In this co-presentation, Janet LeTourneau and Nicky Brown will offer strategies for educating millennials about employee benefits by meeting them on preferred digital platforms, such as on mobile apps or social media. Based on their understanding of consumer-directed benefits, Janet and Nicky will provide examples of benefits that have successfully engaged millennials by fulfilling a unique preference, such as tuition reimbursement programs or expanded commuter benefits options. Lastly, they will look forward at the employee benefits landscape, particularly as this millennial generation ages and inevitably grows into a new set of financial and wellness demands.


7:30 - 8:30 a.m.

Continental Breakfast in the Exhibit Hall

7:30 - 10:30 a.m.

Exhibit Hall Open

8:30 - 9:30 a.m.

Latest News from Key Agency Officials

Moderators: John R. Hickman, Esq., CFCI | Alston & Bird, LLP | TAG ChairPanelists: Christa Haas Bierma, Jeffrey T. Rodrick & Stephen B. Tackney | U.S. Department of the Treasury

Learn the latest from key agency officials as they discuss what's in the works as well as recent interpretive guidance. Time will be allotted for your critical questions and answers.

9:30 - 10 a.m.

Refreshment Break in the Exhibit Hall

10 - 11:30 a.m.

Technical Advisory Group Panel

Panelists: John R. HIckman, Esq., CFCI | Alston & Bird LLP., Bill Sweetnam | ECFC, and members of the Technical Advisory Group

Get an instantaneous assessment of the agency feedback to help interpret the impact on Flex and account based plan administration. In addition, panelists will provide their assessment of how recent Supreme Court decisions and legislative developments will impact your business in 2016 and beyond.