3 in 4 Need More
Encyclopedia
"3 in 4 Need More" is an awareness
campaign run by the non-profit 3in4 Association, a 501(c)(6) corporation that seeks to inform Americans that health insurance
isn’t enough. Millions need more: long-term care
planning to cover longer-lasting illnesses and disabilities not covered by regular health insurance
or Medicare
.
The campaign focuses on four objectives: (1) Spread the word among the public that "3 in 4 Need More" than health care
insurance;
(2) Support Congressional moves to provide additional tax deductions or rebates to help people better afford long term care products;
(3) Stimulate others in industry, education, and government to join the "3 in 4 Need More" campaign, making use of the logo and other visuals to spread the word; and
(4) Educate the public on private programs and federal entitlement
options.
campaign, launched in 1993, which has motivated millions of Americans to consider milk instead of less-healthful alternatives such as sugary soft drinks. Roeser is Chief Marketing Officer and VP of Operations for LTC Financial Partners
, LLC (LTCFP), one of the nation's largest long-term care insurance agencies representing multiple insurance
carriers. Concerned that only 8% to 10% of those who could benefit from LTC insurance had it, Roeser reasoned that a public awareness campaign was needed to reach the "missing 90%" whose lives would be improved by the protection.
Consulting with EraNova Institute, which provides public relations services to LTCFP, Roeser sought an approriate slogan. Input was also solicited from key members of the LTC Guild, the long-term care insurance industry's social network with local chapters. After much consideration, "3 in 4 Need More" was chosen, based on the statement by the U.S. Department of Health and Human Services, that "Almost 70% of people over 65 need LTC." Additional validation for the slogan was later provided by a Prudential Financial Inc. study showing that 74% of consumers ages 55 to 65 are concerned about needing some kind of long-term care.
The campaign was first launched on the LTC Guild website. Then in 2010 the non-profit 3in4 Association was formed to embrace sponsoring organizations and manage the "3 in 4 Need More" campaign. Jonas Roeser was made President, managing the strategy, organization, and marketing that drive the campaign. Margie Barrie, Principal of TCI Consulting Group, was made Vice President; and Mark Goldberg, President of ACSIA, was made Treasurer. Over 18 organizations, including insurance carriers, agencies, care providers, and publishers, now back the organization and its objectives. In 2011 long-term care
advocate and author Dr. Marion Somers joined the campaign, promoting the 3 in 4 message in major cities, on television, and in the press.
Roeser and "3 in 4 Need More" sponsors believe that Washington and the states will embrace the campaign as a way to control escalating Medicaid
costs. Medicaid now pays for the bulk of long-term care
services, usually provided in nursing homes after private funds are exhausted.
Awareness
Awareness is the state or ability to perceive, to feel, or to be conscious of events, objects or sensory patterns. In this level of consciousness, sense data can be confirmed by an observer without necessarily implying understanding. More broadly, it is the state or quality of being aware of...
campaign run by the non-profit 3in4 Association, a 501(c)(6) corporation that seeks to inform Americans that health insurance
Health insurance
Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care expenses among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is...
isn’t enough. Millions need more: long-term care
Long-term care
Long-term care is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time....
planning to cover longer-lasting illnesses and disabilities not covered by regular health insurance
Health insurance
Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care expenses among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is...
or Medicare
Medicare
Medicare may refer to any of several publicly funded health insurance programs:*Medicare *Medicare *Medicare - See also :*Medicaid*Medicare Australia*Medicare Resources - China*Medicare Rights Center - United States...
.
The campaign focuses on four objectives: (1) Spread the word among the public that "3 in 4 Need More" than health care
Health care
Health care is the diagnosis, treatment, and prevention of disease, illness, injury, and other physical and mental impairments in humans. Health care is delivered by practitioners in medicine, chiropractic, dentistry, nursing, pharmacy, allied health, and other care providers...
insurance;
(2) Support Congressional moves to provide additional tax deductions or rebates to help people better afford long term care products;
(3) Stimulate others in industry, education, and government to join the "3 in 4 Need More" campaign, making use of the logo and other visuals to spread the word; and
(4) Educate the public on private programs and federal entitlement
Entitlement
An entitlement is a guarantee of access to benefits based on established rights or by legislation. A "right" is itself an entitlement associated with a moral or social principle, such that an "entitlement" is a provision made in accordance with legal framework of a society...
options.
History
In 2009 Jonas Roeser saw the need for an awareness campaign like the Got Milk?Got Milk?
Got Milk? is an American advertising campaign encouraging the consumption of cow's milk, which was created by the advertising agency Goodby Silverstein & Partners for the California Milk Processor Board in 1993 and later licensed for use by milk processors and dairy farmers. It has been running...
campaign, launched in 1993, which has motivated millions of Americans to consider milk instead of less-healthful alternatives such as sugary soft drinks. Roeser is Chief Marketing Officer and VP of Operations for LTC Financial Partners
LTC Financial Partners
LTC Financial Partners, LLC , based in Kirkland, Washington, is one of the largest long term care insurance agencies in the United States. Its field is one of growing importance as millions of Baby Boomers reach retirement age, and as health reform acknowledges the care needs of an aging population...
, LLC (LTCFP), one of the nation's largest long-term care insurance agencies representing multiple insurance
Insurance
In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the...
carriers. Concerned that only 8% to 10% of those who could benefit from LTC insurance had it, Roeser reasoned that a public awareness campaign was needed to reach the "missing 90%" whose lives would be improved by the protection.
Consulting with EraNova Institute, which provides public relations services to LTCFP, Roeser sought an approriate slogan. Input was also solicited from key members of the LTC Guild, the long-term care insurance industry's social network with local chapters. After much consideration, "3 in 4 Need More" was chosen, based on the statement by the U.S. Department of Health and Human Services, that "Almost 70% of people over 65 need LTC." Additional validation for the slogan was later provided by a Prudential Financial Inc. study showing that 74% of consumers ages 55 to 65 are concerned about needing some kind of long-term care.
The campaign was first launched on the LTC Guild website. Then in 2010 the non-profit 3in4 Association was formed to embrace sponsoring organizations and manage the "3 in 4 Need More" campaign. Jonas Roeser was made President, managing the strategy, organization, and marketing that drive the campaign. Margie Barrie, Principal of TCI Consulting Group, was made Vice President; and Mark Goldberg, President of ACSIA, was made Treasurer. Over 18 organizations, including insurance carriers, agencies, care providers, and publishers, now back the organization and its objectives. In 2011 long-term care
Long-term care
Long-term care is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time....
advocate and author Dr. Marion Somers joined the campaign, promoting the 3 in 4 message in major cities, on television, and in the press.
Roeser and "3 in 4 Need More" sponsors believe that Washington and the states will embrace the campaign as a way to control escalating Medicaid
Medicaid
Medicaid is the United States health program for certain people and families with low incomes and resources. It is a means-tested program that is jointly funded by the state and federal governments, and is managed by the states. People served by Medicaid are U.S. citizens or legal permanent...
costs. Medicaid now pays for the bulk of long-term care
Long-term care
Long-term care is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time....
services, usually provided in nursing homes after private funds are exhausted.