We think you have liked this presentation. If you wish to download it, please recommend it to your friends in any social system. Share buttons are a little bit lower. Thank you!
Presentation is loading. Please wait.
Published bySamuel Dobson
Modified over 3 years ago
© 2009 Regence. Private and Confidential. 1 Activate SM – Healthy Living Rewarded Rewards employees for healthy choices Employees pay their doctors online Encourages healthy competition Supports loyalty through growing rewards Simple to administer Key Attributes:
© 2009 Regence. Private and Confidential. 2 1 2 Regence Activate SM Coverage Health Plan Simple benefit design Affordable coverage Options to choose from Member Choice Account $ rewards for healthy choices Pays deductible & coinsurance Provides up-front coverage Funds roll over each year Activate brings together a simple health plan with financial incentives for making healthy lifestyle choices
© 2009 Regence. Private and Confidential. 3 Member Choice Account Save! Use MCA to pay deductible & coinsurance Pay providers directly online Unused funds roll over each year 3 Log On Sign up on myRegence.com Health assessment activates MCA $200 goes into MCA 1 Get Moving 5,000 points = $10 Earn up to $100 each quarter Members can earn $600 per year 2 Activate Home Page
© 2009 Regence. Private and Confidential. 4 Reward Points Examples Activity Stress Management Physical Activities Preventive Health Nutrition & Weight Loss Online Activities Activities Designed To Fit Any Lifestyle 250 points each Go biking or walking; participate in team sports, take an exercise class 5000 points per year 500 points per year Get an annual womens or mens exam; Get a flu shot 500 points each Increase fiber intake; Eat fruits and vegetables 600 points per year 500 points per month Get help with child care; get a massage 100 points each 500 points per use Read health-related articles Use the Health Cost Estimator Tool Over 100 activities available to choose from!
© 2009 Regence. Private and Confidential. 5 Typical Copay Plan Activate Healthy Living Rewarded Member Choice Account Up-front Benefits Activate offers a unique option for pre-deductible benefits $600 Member Choice Account$20 copay / Upfront Lab & X-ray 100%coverage – no copays Benefits are members choice Accumulates toward deductible Funds roll over each year to build equity over time Pay your doctor online Advantages Provides cost predictability Full benefit is available day one Doesnt require engagement Considerations Full benefit is achieved throughout the year Requires engagement Considerations Always have to pay cost share Benefits are specified Does not accumulate toward deductible Use it or lose it benefits
© 2009 Regence. Private and Confidential. 6 Member Choice Account Whats it Worth? Nearly ½ of insured consumers spend less than $600 on medical expenses each year Common ServicesMCA Benefit A $600 MCA will pay for… 1 wellness exam, a mammogram, 2 doctor visits, a cholesterol screening and an allergy shot or… 1 wellness exam, a doctor visit, a specialist visit and two x-rays or… 5 doctor visits …it is all up to the member And it all counts toward the deductible! Adult wellness exam$150 - $190 Well-child/baby exam$100 - $135 Doctor visit$100 - $120 Specialist visit$215 - $280 Immunizations$10 - $15 Cholesterol screening$20 - $50 X-ray$25 - $80 Mammogram$85 - $150 PSA Test$30 - $60 Allergy injection$50 - $60 Source: RBS 2008-2009 network discount costs Why $600? ] [
© 2009 Regence. Private and Confidential. 7 Member Choice Account The Employee Perspective Lets look at the spending habits of 100 typical consumers. See how a $600 MCA creates value for all employees. Source: Regence 2007-2008 claims data Member Claims These members will have no costs, so all funds are retained (15%) Covers most costs (20%) Buys down deductible by $600 (35%) Covers all costs (30%) $5,000+ $0 $600 $1,500
© 2009 Regence. Private and Confidential. 8 Couple Family of 4 Year 1Year 2Year 3 and Beyond Single Building Loyalty Through Rewards Earned Account RolloverTotal Rollover Deductible is max. amount $600 $1,200 $2,400 $1,200 $2,400 $4,800 $1,800 $4,800 $7,200 Each family member's MCA remains separate Total sum value is displayed
© 2009 Regence. Private and Confidential. 9 Keeping Employees Engaged Keeping Employers Informed Supporting Program Success Online scorecard to track and improve participation Communications triggered by low activity levels Superior interactive reporting Employee activity participation MCA earnings, expenditures, and rollover Elizabeth Heather Richard Account OverviewActivity Graph Activated Members 50% 35% 85%
© 2009 Regence. Private and Confidential. 10 A Solution That Strikes at Health Care Dysfunction Creates a direct connection between behavior and cost at the employee level Encourages loyalty through growing rewards Gets the entire family involved Offers a seamless web-based experience Regence Activate…
© 2009 Regence. Private and Confidential. 11 You Choose From Three Categories of Providers Employees can select the Provider(s) they want, depending on the portion of the cost they wish to pay - providers fall into one of three categories: Category 1 90% of doctors Lowest patient cost Category 2 3% of doctors Moderate patient cost Category 3 7% of doctors Highest patient cost
© 2009 Regence. Private and Confidential. 12 Activate SM Snapshot *Deductible *Coinsurance Coinsurance Maximum Lifetime Maximum Member Choice Account Riders $1,500, $2,000, $3,000 80/60/60 $3,000 $4,000 $6,000 $2 million Up to $600 per member 4 options - Vision, EAP, Spinal Manipulations, Complementary Care Medical * Can be paid with MCA funds
© 2009 Regence. Private and Confidential. 13 Activate SM Snapshot Generics Brand Formulary Brand Non-Formulary Deductible Options Annual OOP Max (Per member) $5$7$1010% 75%70%$3570% 50%50%$7550% $250, $500, $1,000 NA Rx
© 2009 Regence. Private and Confidential. 14 What is a Value-Based Benefit Design? Value in healthcare depends on Improving health Reducing financial barriers to effective treatments Future treatment costs tend to be more manageable for those actively involved in their own health Financial incentives drive improved health status: Reduced financial barriers for medication therapies of higher clinical value Goal is to improve medication adherence
© 2009 Regence. Private and Confidential. 15 Providing Value to Everyone Employer Employee Incentives to take personal responsibility to improve/maintain health Aligns preventive benefits with better access to high value medications Decreases financial barriers to medication adherence Employees who are healthier, engaged and productive Drive reduced absenteeism Better medication adherence may reduce treatment costs Example Untreated high cholesterol can lead to atherosclerosis, causing restricted blood flow that could lead to heart attack or stroke. ER costs or other medical care could potentially be avoided by following a medication regimen.
© 2009 Regence. Private and Confidential. 16 Activate Rx: Transformational Pharmacy Product Integration of wellness and prevention Not subject to deductible are Generics and Formulary Brands frequently used for: High cholesterol High blood pressure Asthma Diabetes Diabetic patients can receive a generic medication for high cholesterol for $0 copay Smoking cessation
© 2009 Regence. Private and Confidential. 17 [Insert Customer Name Here] Helping You Plan for a Healthier Future Thank you for your time! Questions?
© 2009 Regence. Private and Confidential. 1 Activate SM – Healthy Living Rewarded Rewards employees for healthy choices Employees pay their doctors online.
© 2009 Regence. Private and Confidential. Regence Activate SM Healthy Living Rewarded Get Started Get Started.
Health Access Plans The Right Plans for Difficult Times.
1 ISD 15 St Francis 2012 Retiree/COBRA Open Enrollment Meeting April 2012.
Welcome to the State of Kansas Group Health Insurance Basics Presentation Human Resource Services Spring 2009.
2008 Annual Enrollment Training Presentation April 2008.
2015 EMPLOYEE WELLNESS PROGRAM. Goals: Win-Win Federal regulations Budget Manage benefits costs – impact to City cost & Employee cost Address claims drivers.
An independent licensee of the Blue Cross and Blue Shield Association Meredith College 2013 Renewal & Enhancements Andrea Rossbach 10/11/2012.
ATU SPECIAL OPEN ENROLLMENT Metropolitan Council Benefits.
Insert Client Logo Your Guide to Health Care Benefits.
H.B. Fuller Company 2010 Open Enrollment: Helping you Buy Well, Use Well, Be Well October, 2009.
Roadmap to a Partnership Kalispell School District December 8, 2010.
The Cure for Healthcare
Harrisonburg City Public Schools Open Enrollment 2014 Harrisonburg City Public Schools Open Enrollment 2014.
University of California Active 2013 Open Enrollment.
1 USF PHYSICIANS GROUP Department of Human Resources Consumer Driven Health Plans with United Healthcare (UHC) OPEN ENROLLMENT July 2009 PRESENTED BY THE.
Easy to get appointments I can choose my doctor I’m part of the decision free to focus on my patients test results online excellent prenatal care great.
USA BENEFITS GROUP GUARANTEED ISSUE HEALTH PLANS USABG EAGLE DIVISION PROVIDING HEALTH INSURANCE SOLUTIONS FOR 36 YEARS.
©2007 Regence BlueCross BlueShield of Utah Regence HSA Healthplan A new kind of health care coverage [Enter Your Own Information Here] [Enter Your Clients.
Consumer Driven Healthcare
Blue Cross Blue Shield of Michigan is a nonprofit corporation and independent licensee of the Blue Cross and Blue Shield Association. EASTERN MICHIGAN.
OPEN ENROLLMENT Website Open and Close Dates OPENS at 12 am, October 21, 2013 CLOSES at 5 pm November 8, 2013 Members can go online as many times as they.
THE COMMONWEALTH FUND 1 Benefit Design for Public Health Insurance Plan Offered in Insurance Exchange Current Medicare benefits* New Public Health Insurance.
C & C Benefits Group, LLC In Business Since 1977 Specializing In Guaranteed Acceptance Health Plans Licensed Health Agent In 30 States Required by law.
Purdue University Senate September 10, 2012 Health Care Strategy.
Education, Sales and Enrollment Presentation 2008 PowerPoint Presentation M0018_TO_PPT_0907 CMS (Pending CMS Approval) H5421 Today’s Options.
VSP Proprietary and Confidential State of New Mexico Vision Benefits “Effective July 1, 2012”
©2007 Regence. Private and Confidential. Innova SM & Engage SM Expanding to groups of 100+ employees Enter Your Name & Logo Here.
Commonwealth Connector Pharmacy Benefits July 12, 2007.
Center School District Qualified High Deductible Health Plan (QHDHP) with HSA New Teacher Orientation 2011.
1 Benefits effective 2/1/ Lifetime maximum of up to $5 million RX Card Wide choice of plans Family Flex ® – Each family member can apply for a.
School Board of Highlands County -Insurance Update for
Individual & Family Medical, Dental & Life Policies/Plans for New Sales Benefits Effective July 1, 2012 The benefits of any particular plan or policy are.
Benefits Open Enrollment May 7-27, Market-competitive salaries Flexible spending accounts College savings plan Adoption assistance Free classes.
Open Enrollment September 30, 2015.
Confidential and Proprietary Information © 2011 Express Scripts, Inc. All Rights Reserved 1 The State of New Mexico Prescription Drug Program 2013.
Need vs. Want o Filet mignon or hamburger o Vioxx or aspirin Employee noise and understanding Provider resistance Funds for accounts 2.
© 2010 Wittenberg University Springfield, Ohio New Health Care Plan For Retirees Under 65 Effective Oct. 1, 2010.
+ Angel-RX Free Discount Prescription Card Saving your congregation up to 75% on their prescription medications, while at the same time raising funds for.
Etori U.S.A., Inc. Presented by:. 2 Sumitomo Life Insurance Agency America, Inc. Effective May 1, 2011: Insurance carrier remained the same: Medical –
The Impact of Drug Benefit Caps Geoffrey Joyce, PhD.
H.B. Fuller Company 2009 Open Enrollment: Helping you Buy Well, Use Well, Be Well October, 2008.
2014 Small Group Products Producer Training.
UNIVERSITY OF WASHINGTON STUDENT HEALTH INSURANCE PLAN - SHIP
Health Insurance Changes Information Session
Allied Cost Saver Webinar Allied Cost Saver Webinar Presented by Randy Wehner, Sales Manager Allied National, Inc. Welcome to the.
Insurance coverage underwritten by UniCare Life & Health Insurance Company. Registered Mark and SM Service Mark of WellPoint, Inc WellPoint, Inc.
BAART (Addiction Research & Treatment, Inc.) Benefits Presentation BAART (Addiction Research & Treatment, Inc.) Benefits Presentation Northern CA Ed.10/15/2008.
© 2017 SlidePlayer.com Inc. All rights reserved.