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Anthem Lumenos Plans— A Health Plan that is Part of the Solution Anthem Lumenos Plans— A Health Plan that is Part of the Solution

Good Employee Health is Good for Business. The health of your business depends on Good Employee Health is Good for Business. The health of your business depends on the health of your employees. It’s an investment you make every day. Anthem's suite of Lumenos® consumer-driven health plan (CDHP) products provides a completely new approach to better health care management – one that promotes healthier behaviors and encourages and supports consumer decision making. 2

Why Employers Consider CDHPs Why Employers Consider CDHPs

Why Are Employers Considering CDHPs? • Introduce consumerism • Want employees to have a Why Are Employers Considering CDHPs? • Introduce consumerism • Want employees to have a better understanding of the cost of care • • Offer employees more choice Improve the quality of care Improve employee health Improve employee satisfaction Offer employees opportunity to lower tax burden Increased employee contribution levels Long-term and retirement savings Manage medical costs through better employee health 4

To Reduce Costs We Need to Understand What Drives the Increase • Health Behaviors To Reduce Costs We Need to Understand What Drives the Increase • Health Behaviors • Ineffective Care • Inefficient Care

Employee Behaviors: 50 -70% of Health Care Costs Health Behavior Costs: $6, 691 50% Employee Behaviors: 50 -70% of Health Care Costs Health Behavior Costs: $6, 691 50% of total medical spending Source: Milliman Medical Index 2006 6

The Medical Cost of the “Big 3” • Average 10% of total claims costs The Medical Cost of the “Big 3” • Average 10% of total claims costs attributable to obesity • 60% of Americans exceed ideal BMI • Soon to become the leading cause of death • Average 10% of total claims costs attributable to tobacco • 25% of Americans smoke • Leading cause of death. . . Still • 60% perform no substantial activity or exercise Source: Thorpe, et al, Health Affairs, June 2005 62% of the rise in private insurance costs from 1987 -2002 was due to population risk factors and their treatment 7

What Does This Mean For The Average Company? Focus on behavior change, not just What Does This Mean For The Average Company? Focus on behavior change, not just benefits Decreases costs within 18 months Reduces total employee costs (total fringe) Target $50 M per year (avg company of 10, 000 employees) Return to bottom line rapidly by impacting absenteeism, disability, turnover, etc. 8

Strategically Addressing Challenges Strategically Addressing Challenges

Reduce Risk Factors & Improve Effective Care The 3 -Step approach to better health Reduce Risk Factors & Improve Effective Care The 3 -Step approach to better health care management 10

Reduce Risk Factors & Improve Effective Care • Start with a sound clinical strategy Reduce Risk Factors & Improve Effective Care • Start with a sound clinical strategy • A consumer-focused health improvement strategy to make it easier for employees to take proactive steps toward healthier behaviors and better care • Support with helpful tools to create educated consumers • Back it up with account-based CDHPs • Giving consumers more control and rewards for improved health behaviors and health care decisions • Support through a bold, ongoing communications approach/ marketing program • Provide a sequence of communications to educate and build enthusiasm 11

Start with Sound Clinical Strategy Incentive-based Health Improvement Start with Sound Clinical Strategy Incentive-based Health Improvement

Incentive-based Strategy Identify, improve risk and care • Provide rewards for updating or completing Incentive-based Strategy Identify, improve risk and care • Provide rewards for updating or completing health risk assessment • 80% completion goal • Maintain low risk group to a minimum of 70% • Take optimal care of the sick • Engage population to understand & reduce risks • Provide incentives to complete risk reduction programs 13

Risk Factors Reduction Risk factors include: • • • Smoking Physical inactivity BMI Alcohol Risk Factors Reduction Risk factors include: • • • Smoking Physical inactivity BMI Alcohol drug use Job/personal dissatisfaction Source: D. W. Edington Research GM-UAW Life. Steps Health Promotion Program 14

Health Risks Predict Medical Costs Annual medical costs by health risk level and age Health Risks Predict Medical Costs Annual medical costs by health risk level and age Low Risk Medium Risk High Risk Source: Stay. Well data analyzed by University of Michigan 15

Incentive-based Strategy Identify, improve risk and care Identify My. Health Assessment Engage Health Coaching Incentive-based Strategy Identify, improve risk and care Identify My. Health Assessment Engage Health Coaching Participation Engage Health Coaching Completion • $50 reward* for online completion (limited to one reward per family each year) • $100 reward* for enrollment for each eligible family member • Participation in health coaching programs • Engaging with health coach to identify goals; and understand manage their health condition • $200 reward* for graduating from a health coaching program (limited to one reward per eligible family member each year) • Goals achieved with knowledge, skills and functional provider-patient relationship *Rewards may be allocations to account or, for fully-insured HSA plans, credit dollars to redeem for gift cards to select health-focused retailers. 16

Where to Begin – Healthy Lifestyles Programs Tobacco- Free Program • $50 reward* for Where to Begin – Healthy Lifestyles Programs Tobacco- Free Program • $50 reward* for successful completion (available for employee and spouse; limited to one/lifetime) • Counseling calls with tobacco treatment specialist • Individualized plan, decision support for pharmacotherapy and nicotine replacement fulfillment • Individualized coaching and support via phone, and ongoing access to online resources *Rewards may be allocations to account or, for fully-insured HSA plans, credit dollars to redeem for gift cards to select health-focused retailers. 17

Where to Begin – Healthy Lifestyles Programs Healthy Weight Program • $50 reward* for Where to Begin – Healthy Lifestyles Programs Healthy Weight Program • $50 reward* for successful completion (available for employee and spouse; limited to one/lifetime) • Telephone course sessions address diet and healthy eating, physical activity and exercise, stress management, maintenance and relapse prevention • Phone counseling facilitated by a registered dietitian or health educator • Includes educational materials appropriate for consumer’s specific needs *Rewards may be allocations to account or, for fully-insured HSA plans, credit dollars to redeem for gift cards to select health-focused retailers. 18

Engagement & Graduation – Health Coaching Six- to nine-month partnership • Assess medical history, Engagement & Graduation – Health Coaching Six- to nine-month partnership • Assess medical history, medications, review of systems, lifestyle behaviors, depression screen • Educate about disease/condition • Compare treatment plan with current guidelines • Clarify patient’s belief and value system • Assess self-management motivation and capability • Specify principal care physician and next appointment • Create support and adoption of self-management plan 19

Health Coaching Enrollment Results Incentive Status Health Coaching Enrollment Participation Average (Range) Book of Health Coaching Enrollment Results Incentive Status Health Coaching Enrollment Participation Average (Range) Book of Business Full Replacement Incentive 3% 6. 5% No Incentive 1% 2. 8% Increased Health Coaching Enrollment 3 X (up to 6 X) Results are from historical Lumenos client data. Data is not yet available to show participation averages for the current Anthem program. 20

Health Coaching Enrollment Self & Health Assessment Referral = Early Behavior Change Percentage of Health Coaching Enrollment Self & Health Assessment Referral = Early Behavior Change Percentage of HC Enrollees “engaged consumers” Lumenos 2005 = 47% (with incentives) Health Assessment Self Customer Service Provider Risk Screen Hospital 2002 No Incentives 2003 HRA Incentive Only 2004 Integrated Incentives 2005 Integrated Incentives Referral Source: Results from Lumenos book of business 2002 -2004 21

Health Coaching Programs Examples of conditions supported: • • • Asthma Cancer Congestive Obstructive Health Coaching Programs Examples of conditions supported: • • • Asthma Cancer Congestive Obstructive Pulmonary Disease (COPD) Coronary Artery Disease Diabetes (Type I, II) Heart Failure Hypertension Hyperlipidemia Low Back Pain Maternity 22

Back It Up With Account-based CDHPs Back It Up With Account-based CDHPs

Clinically Appropriate Plan Design Sample Plan Design Preventive Care Health Account and/or Rewards Out-of-Pocket Clinically Appropriate Plan Design Sample Plan Design Preventive Care Health Account and/or Rewards Out-of-Pocket deductible to Traditional Health Coverage • Preventive care • Coverage for nationally recommended preventive care services • Health account should be sufficient for many people • Out-of-pocket responsibility • The amount consumer pays to satisfy their remaining deductible after health account funds are exhausted • Traditional health plan coverage • Coinsurance and annual out-of-pocket protection 24

Types of Lumenos Plans • Health Reimbursement Account (HRA) • Health Incentive Account Plus Types of Lumenos Plans • Health Reimbursement Account (HRA) • Health Incentive Account Plus (HIA Plus) • Health Savings Account (HSA) • Health Incentive Account (HIA) 25

Anthem's Lumenos HRA, HIA and HIA Plus Plans Anthem's Lumenos HRA, HIA and HIA Plus Plans

Anthem's Lumenos HRA Plan Preventive Care 100% In-Network HRA Funded by annual employer allocation Anthem's Lumenos HRA Plan Preventive Care 100% In-Network HRA Funded by annual employer allocation Plus • Consumers use employer-funded HRA dollars to pay for covered expenses • Earn more dollars for their HRA through rewards for healthy behaviors • Preventive services are covered at 100% Additional reward dollars • Unused HRA dollars roll over from year to year and can be used for future health care Out-of-Pocket deductible to expenses Traditional Health Coverage • Traditional Health Coverage covers expenses after the deductible 27

Anthem's Lumenos HIA Plus Plan • Works like an HRA, except the account allocations Anthem's Lumenos HIA Plus Plan • Works like an HRA, except the account allocations are provided by Anthem as a part of the health plan • Consumers earn more dollars for their HIA through rewards for healthy behaviors • Preventive services are covered at 100% • Unused account dollars roll over from year to year • Traditional Health Coverage covers expenses after the deductible Preventive Care 100% In-Network HIA Plus Funded by annual plan allocation Plus Additional reward dollars Out-of-Pocket deductible to Traditional Health Coverage 28

Anthem's Lumenos HIA Plan Preventive Care 100% In-Network HIA Funded by reward dollars • Anthem's Lumenos HIA Plan Preventive Care 100% In-Network HIA Funded by reward dollars • Companion product to introduce elements of consumerism • Can replace an existing PPO offering with a similar PPO plan design • Has the added benefit of financial rewards for healthy behaviors Out-of-Pocket deductible to • Includes Traditional Health Coverage to cover Traditional Health Coverage expenses after deductible Traditional Health Coverage • Also includes all of the tools, services and programs to encourage and reward positive consumer behavior 29

Sample HRA/HIA Plus Consumer Experience Pharmacy Service Rx 1) Consumer visits pharmacy to fill Sample HRA/HIA Plus Consumer Experience Pharmacy Service Rx 1) Consumer visits pharmacy to fill a prescription 5) Pharmacy provides consumer with prescription. Consumer pays nothing out of pocket. 2) Pharmacy connects to Anthem to determine consumer’s benefit and funds available Rx 4) Anthem debits consumer’s HRA and pays pharmacy for the prescription 3) Anthem determines consumer’s benefits and HRA funds available “real-time” $ 30

Sample HRA/HIA Plus Consumer Experience Physician Service 1) Consumer visits physician 2) Physician submits Sample HRA/HIA Plus Consumer Experience Physician Service 1) Consumer visits physician 2) Physician submits claim to Anthem $ 3) Anthem determines consumer’s benefits and HRA funds available 4) Anthem applies benefit and debits consumer’s HRA then pays physician for the services 5) Anthem sends consumer Claims Recap record of benefit applied and account funds used $ 31

Integrated Plans • Employer product set-up: One combined health plan and HRA employer application Integrated Plans • Employer product set-up: One combined health plan and HRA employer application (no additional paperwork) • Consumer enrollment: One combined health plan and member application (no additional paperwork) • Direct payment from plan to providers and pharmacy • Customer service: Customer Service Advocate can assist with all benefit information as well as health account service • Consumer portal: Consumers go to anthem. com for both their benefit and plan details 32

Anthem's Lumenos HSA Plan Anthem's Lumenos HSA Plan

What is Drawing Employers to HSA Plans? Most requested features include: • Preventive benefits What is Drawing Employers to HSA Plans? Most requested features include: • Preventive benefits covered before the deductible is satisfied • Condition management services (asthma, diabetes, CAD/CHF, etc. ) • Online access to health education tools • Online access to account information/personal health records • Access to health care cost information • Access to hospital/physician quality information Anthem’s Lumenos HSA Plans include all of these highly requested features! 34

Anthem's Lumenos HSA Plan • Consumers can fund their HSA with 100% In-Network pre-tax Anthem's Lumenos HSA Plan • Consumers can fund their HSA with 100% In-Network pre-tax dollars and can use funds for health care expenses HSA • Employers can also contribute to employees’ Funded by annual employee and/or HSAs employer contributions • Additional dollars earned with rewards Plus for healthy behaviors* Additional funds available through • Preventive services are covered at 100% rewards (optional) • Includes Traditional Health Coverage to cover expenses after the deductible Out-of-Pocket deductible to Preventive Care Traditional Health Coverage *Rewards may be allocations to account or, for fully-insured HSA plans, credit dollars to redeem for gift cards to select health-focused retailers. 35

Rewards Allocations to HSA • Reward dollars earned are deposited directly into the consumer’s Rewards Allocations to HSA • Reward dollars earned are deposited directly into the consumer’s HSA • Reward allocations are tax-free to the employee, so amounts count toward the annual HSA contribution limit • Use like any HSA funds – tax-free if used for qualified medical expenses Rewards may be allocations to account or, for fully-insured HSA plans, credit dollars to redeem for gift cards to select health-focused retailers. 36

HSA Integration with Partner Bank • Employer product set-up • One combined health plan HSA Integration with Partner Bank • Employer product set-up • One combined health plan and HSA employer application • Consumer enrollment • One combined health plan and HSA consumer application • Employer funding implementation • Plan-based resources and partner bank resources that will support employers’ efforts to facilitate payroll-based funding • Customer service • Customer Service Advocate can assist with all benefit information, level 1 HSA account service, and warm-transfers to partner bank for level 2 support • Consumer portal • Consumers will come to anthem. com for both their benefit and HSA details • HSA consumer communications • Consumers will receive all of their benefit and banking enrollment materials from Anthem 37

Sample HSA Consumer Experience Pharmacy Service 1) Consumer visits pharmacy to fill a prescription Sample HSA Consumer Experience Pharmacy Service 1) Consumer visits pharmacy to fill a prescription 5) Consumer uses HSA checkbook or debit card to access HSA funds and pay pharmacy $ 4) Pharmacy provides consumer with prescription and charges the appropriate amount Rx Rx 2) Pharmacy connects to Anthem to determine consumer’s benefit 3) Anthem determines consumer’s benefits “real-time” and passes back to pharmacy the amount the consumer is responsible for paying 38

Sample HSA Consumer Experience Physician Service 1) Consumer visits physician 2) Physician submits claim Sample HSA Consumer Experience Physician Service 1) Consumer visits physician 2) Physician submits claim to Anthem $ 3) Anthem applies benefits and notifies physician of the amount the consumer is responsible for paying $ 5) Physician sends bill to consumer 4) Anthem sends consumer Claims Recap record of benefit applied 6) Consumer uses HSA checkbook or debit card to access HSA funds to pay physician 39

Offerings and Product Approaches Full suite of CDHP options allows for personalized strategies for Offerings and Product Approaches Full suite of CDHP options allows for personalized strategies for employers • Single Lumenos CDHP offering • Multiple CDHP pairings – for example, HRA or HSA paired with HIA to replace (transition from) existing PPO • Lumenos CDHP offered alongside a non-CDHP 40

Consumer Support Online Health Site Consumer Support Online Health Site

Online Health Tools View your coverage, doctors and prescriptions – without a single click Online Health Tools View your coverage, doctors and prescriptions – without a single click Get a side-by-side view of your claims and benefits Quickly find doctors and facilities in-network – and see which ones are best View complex information through simple charts, graphs and illustrations Provide access to your health information for loved ones Easily access health services to help improve your life – and those around you 42

Convenient combined view of benefits & claims Integrated view of benefits and claims for Convenient combined view of benefits & claims Integrated view of benefits and claims for subscriber and their dependents for each plan Single click for additional eligibility and benefits information Immediate access to claims with ability to filter by family member Ability to sort claims by date of service, provider, total charges, member responsibility and more 43

A simple way to find the best doctor or facility Side-by-side comparison of credentials A simple way to find the best doctor or facility Side-by-side comparison of credentials – education, awards and more Single click for maps and directions Link to doctor’s website if available Detailed cost & quality information in the doctor’s profile, including Zagat Health Survey where available 44

Convenient tools that improve member health 360° HEALTH® TOOLS Symptom Checker My. Health Assessment Convenient tools that improve member health 360° HEALTH® TOOLS Symptom Checker My. Health Assessment My. Health Record Health Trackers Healthy Lifestyles Condition Centers Web. MD Articles 45

Online My. Health Assessment 46 Online My. Health Assessment 46

Consumer Advocacy: High-touch Service Consumer Advocacy: High-touch Service

Enhanced Consumer Experience • Customer Service Advocates provide high touch service - • Every Enhanced Consumer Experience • Customer Service Advocates provide high touch service - • Every touch point is an opportunity to educate • Dedicated service centers for consumers • Customer Service Advocates with in-depth Lumenos plan knowledge • Single point of contact for consumer • Plan and account information • Monthly Status/Claim Recap – combining benefits and account status information • Web experience 48

Sample Monthly Status and Claim Recap 49 Sample Monthly Status and Claim Recap 49

Enhanced Consumer Experience • Integration with PBM • Point of sale processing for integrated Enhanced Consumer Experience • Integration with PBM • Point of sale processing for integrated medical/Rx deductible helps ensure accuracy • Integration with providers • Direct pay model for HIA, HRA and HIA Plus products • Integration with preferred partner bank • Simplified service and account administration for HSA 50

Support with Bold, Ongoing Marketing and Communication Campaign More than just an enrollment event! Support with Bold, Ongoing Marketing and Communication Campaign More than just an enrollment event!

The Cultural Imperative • Current health plans focus on employees when they are “sick”… The Cultural Imperative • Current health plans focus on employees when they are “sick”… little to no focus is placed on the true “health” of the employee • Programs should support and protect longterm investment in employees • Employees spend a majority of their day with the Company… we can potentially impact their health behaviors quicker than other avenues • The impact of employee health is far-reaching to include: • Total benefit costs (medical, disability, workers’ comp) • Productivity • Employee morale • Corporate results True, long-lasting change in our employees’ personal beliefs and actions occurs only when a consistent support system is provided. 52

Open Enrollment Communications Strategy The following strategies will help consumers understand our Lumenos plans Open Enrollment Communications Strategy The following strategies will help consumers understand our Lumenos plans and their appeal: Preparation – presentations to senior leadership and HR, building the case for change and delivering the solution Announcement/Awareness – announce the change, show the importance of the change and the value to the employee Education – inform and build comprehension through repetitive communications, utilizing easy-to-understand examples Employee Buy-In – face-to-face interaction to drive the message throughout the organization and deal with concerns Enrollment – provide enrollment support via phone and online 53

Consumer Driven Plan Pre-Enrollment Communication Timeline Week 1 Pre-Enrollment Preparation Phase Week 2 Pre-Enrollment Consumer Driven Plan Pre-Enrollment Communication Timeline Week 1 Pre-Enrollment Preparation Phase Week 2 Pre-Enrollment Announcement/ Awareness Phase Train-the-Trainer: Presentations to HR and Sr. Leadership Communication from leadership to all employees on new benefits strategy Presentations to key management Week 3 Week 4 Pre-Enrollment Awareness/ Education Phase “Did You Know” poster series begins 54

Sample Consumer Driven Plan Pre-Enrollment Communication Timeline Week 5 & 6 Pre-Enrollment Educate/ Buy-In Sample Consumer Driven Plan Pre-Enrollment Communication Timeline Week 5 & 6 Pre-Enrollment Educate/ Buy-In Phase Week 7 & 8 Open Enrollment 2 Weeks Prior to Go Live • Employee Seminars • Webcasts Distribution of OE Packet • Consumer brochure • Plan Summary • FAQs • Case Studies • Preventive Care • OE Meetings New Customer Getting Started Guide ID Card flyer or guidelines • Welcome Kit (HSA Only) 55

Lumenos Communication Lessons Learned Initiate communication with employees early and often. Timeline will vary Lumenos Communication Lessons Learned Initiate communication with employees early and often. Timeline will vary based on size of employer group and/or clients goals for CDH enrollment. • E-mail/Direct Mail • Internet • Seminars/Cafeteria Fairs/Webinars Organizational commitment from management • HR and senior managers must be viewed by employees as committed to plan • Education/training for benefits staff • Support to answer questions • Finalize benefit design early CDHP is a new concept with a new language • Engage and commit to education and communication with employees 56

Why Anthem Lumenos Plans? Why Anthem Lumenos Plans?

Why Anthem? • • Proven results Consumer centric health improvement model Best in class Why Anthem? • • Proven results Consumer centric health improvement model Best in class products Network breadth and discounts give consumers more for their health care dollars • Comprehensive communication and engagement • Consumer advocacy • Total integration for seamless consumer experience 58

Positive Results When coupled with the right clinical strategy • Reduction in overall pharmacy Positive Results When coupled with the right clinical strategy • Reduction in overall pharmacy costs by 15% • 92% generic drug substitution • Reduced outpatient visits by 18% • Increase in preventive care spent (CDHP = 5% of total medical expenses v. 2 -3% for rest of market) • 53% report increased knowledge in managing health care • 36% report that they are more actively involved in health-related behaviors • 20% of consumers said their health has actually improved since enrolling in a Lumenos plan Source: Results from Lumenos book of business 2005 59

Good Employee Health is Good for Business. We can help lead your business and Good Employee Health is Good for Business. We can help lead your business and employees to better health. We deliver measurable results and real value – right now and long term. Let’s get started. 60

Legal Disclaimer Anthem Blue Cross and Blue Shield is the trade name for the Legal Disclaimer Anthem Blue Cross and Blue Shield is the trade name for the following: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. In Connecticut: Anthem Health Plans, Inc. In Georgia, Blue Cross and Blue Shield of Georgia, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company in Ohio. In Virginia: Anthem Health Plans of Virginia, Inc. (serving Virginia excluding the city of Fairfax, the town of Vienna and the area east of State Route 123. ) In Missouri: Right. CHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and certain affiliates administer non-HMO benefits underwritten by HALIC. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Wisconsin: Blue Cross Blue Shield of Wisconsin (“BCBSWi”) underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation (“Compcare”) underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® Anthem, Lumenos and 360°Health are registered trademarks. Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. 61