Presentation Transcript

1. Health Plan Market & Benefit Comparison Part II Presented by Cliff Craig Health Plan Account Manager for Connect for Health Colorado
2. Key Topics to be Discussed Family Deductible & Out-of-Pocket maximum Accumulation High Deductible Health Plan (HDHP) / Health Savings Account (HSA) Key Features of the SBC & Plan Document Page Market Place Carrier Review & Product Offering Health Shop / Small Group Health Individual Dental Shop / Small Group Dental Individual Carriers Benefit Comparison by Metal Tiers Carrier Specific Key Points & Service Area
3. Market Place Plan Types Health Maintenance Organization (HMO)A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness. (No Out of Network Coverage) Preferred Provider Organization (PPO)A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals and providers outside of the network for an additional cost. (Out of Network Coverage but at Higher Cost-sharing) Exclusive Provider Organization (EPO) A more restrictive type of preferred provider organization plan under which employees must use providers from the specified network of physicians and hospitals to receive coverage; there is no coverage for care received from a non-network provider except in an emergency situation. (No Out of Network Coverage)
4. Family Deductible and Out-of-Pocket MaximumAccumulation This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
5. What Applies to Maximum Out-of-Pocket HMO & EPO Plans Copayments Rx Deductibles Rx Copayments Deductibles Coinsurance Rx Coinsurance Maximum Out-of-Pocket $6,350 / $12,700 Prevention
6. Embedded VS Aggregate Family Deductibles & Out-of-Pocket Maximums There are two different types of deductibles: traditional, also called Embedded(Per-Member), and Aggregate (Single), also known as non-embedded. Embedded Family Deductible & Out-of-Pocket maximum (Most Common) If you are on a family (two or more members covered) medical plan with an Embedded deductible, your plan contains two components, an individual deductible and a family deductible. Having two components to the deductible allows each member of your family the opportunity to get her medical bills covered prior to the entire dollar amount of the family deductible being met. The individual deductible is embedded in the family deductible.Aggregate Family Deductible & Out-of-Pocket maximum (Primarily Used with HSA’s)If your insurance policy contains a Aggregate family deductible, an individual deductible is not embedded in the family deductible. In this situation, before your insurance helps you pay for any of your family's medical bills, the entire amount of the deductible must be met. It can be met by one family member or by a combination of family members. There are no benefits until expenses equaling the deductible amount have been incurred.
7. Embedded / Per-Member Family Deductible & Out-of-Pocket Maximum Mother $3000 Father $2000 Child $500 Prevention Each family member must meet the Individual Deductible before coinsurance applies for them only $3000 Individual $6000 Family Deductible Coinsurance Mother $6350 Father Child $6350 Individual $12700 Family OOP Max.
8. Embedded / Per-Member Family Deductible & Out-of-Pocket Maximum Mother $3000 Father $3000 Child Prevention Each family member must meet the Individual Deductible before coinsurance applies for them only or combined by two or more then the family moves to coinsurance $3000 Individual $6000 Family Deductible Coinsurance Mother $6350 Father $6350 Child $6350 Individual $12700 Family OOP Max.
9. Embedded / Per-Member Family Deductible & Out-of-Pocket Maximum Mother $3000 Father $2000 Child $500 Prevention The mother was the only family member accessing care. She met her Individual Deductible & Out-of-Pocket max so she is the only family member covered at 100% $3000 Individual $6000 Family Deductible Coinsurance Mother $6350 Father Child $6350 Individual $12700 Family OOP Max.
10. Aggregate / Single Family Deductible & Out-of-Pocket Maximum Mother $3500 Father $2000 Child $500 Prevention The family as a group can meet the Family Deductible $3000 Individual $6000 Family Deductible Coinsurance for all Family members
11. Aggregate / Single Family Deductible & Out-of-Pocket Maximum $3000 Individual $6000 Family Deductible Prevention Coinsurance for all Family members The family as a group has met the Family Out-Of-Pocket Max. Mother $5000 Father $6000 Child $1700 $6350 Individual $12700 Family OOP Max.
12. Aggregate / Single Family Deductible & Out-of-Pocket Maximum Mother $3500 Father $2000 Child $500 Prevention The family as a group met the Family Deductible & the Family Out-of-Pocket Max. $3000 Individual $6000 Family Deductible Coinsurance Mother $5000 Father $6000 Child $1700 $6350 Individual $12700 Family OOP Max.
13. Aggregate / Single Family Deductible & Out-of-Pocket Maximum Mother $6000 Father Child Prevention The mother was the only family member accessing care. She met the Family Deductible & Out-of-Pocket max for the entire family $3000 Individual $6000 Family Deductible Coinsurance Mother $12700 Father Child $6350 Individual $12700 Family OOP Max.
14. Sample of How Benefits Accumulate for a Family of Three Policy RMHP West Focus HMO Silver $2500/Copay $40 Medical Deductible = $2,500 / $5,000 Drug Deductible = $500 / $1000 Out-of-Pocket Max. = $6,350 / $12,700 PCP visit = $40 Copay / Specialist = $55 Copay Prescription Drugs = $15 Generic / 30% (After Ded.) Preferred Brand / 40% (After Ded.) Non-Preferred & Specialty Facilities = 30% Coinsurance (After Ded.) Outpatient / Inpatient Surgery Emergency Care = 30% Copay Urgent care / $250 Copay Emergency Room / 30% coin. (After Ded.) Ambul. Testing = 30% coinsurance (After Ded.) CT/PET Scans, MRIs / X-rays / Lab.
15. High Deductible Health Plan (HDHP)&Health Savings Account (HSA) This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
16. Health Savings Account (HSA) Health Savings Account (HSA) A medical savings account available to taxpayers who are enrolled in a qualified High Deductible Health Plan (HDHP). The funds contributed to the account aren’t subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses. Unlike a Flexible Spending Account (FSA), funds roll over year to year if you don’t spend them. HDHP / HSA can be associated with any plan types – HMO, PPO, & EPO To open an HSA account the plan type MUST be a QUALIFIED HDHP product The amount a person can contribute to their HSA account on an annual basis is based on the plan types Deductible level. Employers can also contribute to their employees HSA account, but the employer and the employees contribution cannot exceed the Deductible level. A person can use funds from their HSA account to pay for covered & non-covered medical services, a Federal regulation list will show qualified medical expenses. There is a tax penalty for withdrawing funds from your HSA account to pay for non-medical expenses, before the age 65.
17. HSA Contribution Limits for 2014
18. HSA Penalties & Children Coverage Penalties for Nonqualified Expenses Those under age 65 (unless totally and permanently disabled) who use HSA funds for nonqualified medical expenses face a penalty of 20 percent of the funds used for such expenses. Funds spent for nonqualified purposes are also subject to income tax. Coverage of Adult Children While the Patient Protection and Affordable Care Act allows parents to add their adult children (up to age 26) to their health plans, the IRS has not changed its definition of a dependent for health savings accounts. This means that an employee whose 24-year-old child is covered on his HSA-qualified high-deductible health plan is not eligible to use HSA funds to pay that child’s medical bills. If account holders can't claim a child as a dependent on their tax returns, then they can't spend HSA dollars on services provided to that child. According to the IRS definition, a dependent is a qualifying child (daughter, son, stepchild, sibling or stepsibling, or any descendant of these) who: Has the same principal place of abode as the covered employee for more than one-half of the taxable year. Has not provided more than one-half of his or her own support during the taxable year. Is not yet 19 (or, if a student, not yet 24) at the end of the tax year or is permanently and totally disabled.
19. Health Savings Account (HSA) / High Deductible Health Plans (HDHP) Eligible Plans
20. What Applies to Maximum Out-of-Pocket HSA & HDHP Plans Prevention Deductibles Copayments Coinsurance Rx Copayments Maximum Out-of-Pocket $6,350 / $12,700
21. Benefit Comparison for HSA Products Kaiser Permanente Sample
22. Benefit Comparison for HSA Products Rocky Mountain Health Plan Sample
23. Key Features of the SBC & Plan Document Page This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
24. Plan Documents Can Help Make Final Decision Evidence of Coverage, Policy, Summary of Benefits: It’s the members Contract with the carrier (about 80 plus pages) varies by carrier English only Summary of Benefits and Coverage, is a summary of benefits (not a binding contract), standard benefit Layout (9 pages) English & Spanish Company Profile: Standard document Covers – Company at a glance, Medical Loss Ratio, Unique Offerings & Programs, Awards & Recognition,& In the Community. English & Spanish Quality Overview: Standard Document Covers – Accreditations, Consumer Complaints, How the plan makes members healthier / works with providers / examples of innovative approaches, Quality Ratings. English & Spanish Carrier Marketing materials: Not Standard, Varies by carrier English & Spanish
25. Key Things to Know When Using Plan Compare Function Issue with the Plan Compare is neither product has an In Network Tier Two benefit listed and the PPO plan is not illustrating the Out of Network Tier benefit information
26. Key Things to Know When Using Plan Compare Function The compare function is utilized best when comparing two different carriers or plans that are close in premium and now its which one provides the best benefit for the COST
27. Key Things to Know When Using Plan Compare Excel File This is a snapshot of 2 Colorado HealthOP Bighorn EPO ($276.42) & PPO ($315.78) Issue with the Plan Compare is neither product has an In Network Tier Two benefit listed and the PPO plan is not illustrating the Out of Network Tier benefit information
28. Colorado HealthOP Bison PPO Plan Benefits Page Information Notice the Enhance benefit information is not listed on the Plan Benefits Page. The In-Network Tier 2 benefit is unique to CO HealthOP only
29. Colorado HealthOP Bison EPO Plan SBC Information Once You and Your enrolled Spouse (if applicable), complete the personal health actions identified under You personal account on Our website, www.COHealthOp.org or upon request Our Customer Service, You will be rewarded with financial incentives. The incentive types and amounts vary by the Plan(s) elected. See the Enhanced Network Coinsurance/Copayments column on the Schedule of Benefits in this Certificate for details regarding Your plan incentives. Note: Charges for medical care required under the personal health actions will be covered under the Preventive and Wellness Services and Chronic Disease Management provision of the Benefits/Coverages(What is Covered) section of this Certificate
30. Plan Page Benefit Clarification HMO & EPO All HMO & EPO products only offer In Network (Tier 1) benefits, the Out of Network benefits $0 & 100% should be clarified as Not Covered. PPO plans will have benefit levels listed in both In Network & Out of Network tiers
31. Sample of an HMO SBC Regarding Emergency Room Benefits All Emergency Services are treated as In Network benefits regardless of Facility. The Plan Page is miss leading because it shows Out of Network benefits as $0 & 100% Urgent care is listed In Network only and at a Copay level for some plans
32. Sample of an HMO SBC Regarding Unique Five Tier Rx Benefits This plan has a five tier Rx benefit: Tier 1 Preferred Generic, Tier 2 Non-Preferred Generic Tier 3 Preferred Brand, Tier 4 Non-Preferred Brand, Tier 5 Specialty Drugs. The Tier 2 Non-preferred Generic is very unique Carriers only use one Pharmacy Network, for PPO plans when Out of Network providers write a script there is no difference in cost sharing
33. Sample of an HMO SBC Regarding Outpatient & Inpatient Benefits Outpatient Surgery & Hospital Stay separate Facility fees and Physician fees benefits for this example both are at a coinsurance level. Some plans will provide a copay at the Facility fee level benefit
34. Sample of An UnitedHealthcare SBC Single Individual Family Deductible Notice UHC does not provide a Family Deductible level. Each family member must meet a $5000 per person Deductible before coinsurance applies
35. Sample Colorado HealthOP SBC Mental Health Benefits
36. Sample Kaiser Permanente’s SBC Rehabilitation Benefits
37. Sample of The SBC’s Excluded & Other Covered Services Section This section could vary by carrier & plan type, notice the disclaimer “ Check your policy or plan document”
38. Each SBC Provides A Coverage Sample
39. Market Place Carrier Review & Product Offering This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
40. C4HCO Carrier Partners' by Market
41. SHOP Small Group Market Analysis This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
42. Small Group Market
43. Small Group Medical Plans On & Off the Market Place 65% More Plans OFF the Market Place
44. Small Group Market by Carrier
45. Small Group Market by Metal Tier 48% more Bronze Plans 69% more Silver Plans 68% more Gold Plans
46. Small Group Medical Plans On & Off the Market Place by Product Type
47. SHOP Silver Rate Comparison Plans ON the Market Place Rates Based on a 27 Year Old
48. SHOP Rating Area Comparison Low End Plans State Wide Carriers Only Rates Based on a 27 Year Old Small Group Silver Plans
49. SHOP Rating Area Comparison High End Plans State Wide Carriers Only Rates Based on a 27 Year Old Small Group Silver Plans
50. Small Group Market Analysis 65% More Plans OFF the Market Place than ON the Market Place. 266 OFF the Market Place / 92 ON the Market Place Anthem has 93% more plans OFF the Market Place (58 VS 4) United HealthCare has 71 plans OFF the Market Place, none ON the Market Place Plan Types 191 HMO, 102 PPO, 42 POS, 23 EPO Plans ON the Market Place Colorado Springs average 25% difference between the lowest & highest price plan Denver average 30% difference between the lowest & highest price plan Fort Collins average 47% difference between the lowest & highest price plan Most C4HCO carriers offer equal rates ON & OFF the Market Place, except KP offers 2% lower rates for plans ON, SeeChange offer additional plans OFF at 4% lower rate, Anthem for the Silver tier offers 30 plans OFF & 2 plans ON, the plans OFF are 7% lower & 9% higher For Statewide carriers, Boulder & COS offer the lower rates & the Resort area the Highest at about 40%
51. Individual Market Analysis This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
52. Individual Market (section 1)
53. Individual Market (section 2)
54. Individual Medical Plans On & Off the Market Place 6% More Plans OFF the Market Place
55. Individual Market by Carrier
56. Individual Market by Metal Tier
57. Individual Medical Plans On & Off the Market Place by Product Type
58. Individual Silver Rate Comparison Plans ON the Market Place Rates Based on a 27 Year Old
59. Individual Rating Area Comparison Low End Plans State Wide Carriers Only Rates Based on a 27 Year Old Individual Silver Plans
60. Individual Rating Area Comparison High End Plans State Wide Carriers Only Rates Based on a 27 Year Old Individual Silver Plans
61. Individual Market Analysis 6% More Plans OFF the Market Place than ON the Market Place. 159 OFF the Market Place / 150 ON the Market Place RMHP has 35% more plans ON the Market Place(52 VS 34) Humana has 68% more plans OFF the Market Place (22 VS 7) Plans ON & OFF the Market Place Colorado Springs average 40% difference between the lowest & highest price plan Denver average 48% difference between the lowest & highest price plan Fort Collins average 53% difference between the lowest & highest price plan Most C4HCO carriers offer equal rates ON & OFF the Market Place, except KP on average offers 3% lower rates for plans ON. For Statewide carriers, Boulder & COS offer the lower rates & the Resort area the Highest at about 40%
62. Dental Small Group Market Analysis This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
63. Dental Small Group Market
64. Small Group Dental Plans On & Off the Market Place 75% More Plans OFF the Market Place Delta Dental has 97% More Plans OFF the Market Place
65. Small Group Dental Plans On & Off the Market Place by Product Type
66. Small Group Market by Carrier
67. Dental Individual Market Analysis This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
68. Dental Individual Market
69. Individual Dental Plans On & Off the Market Place 18% More Plans OFF the Market Place Small Group has 77% More Plans than the Individual Market
70. Individual Market by Carrier
71. Individual Dental Plans ON & OFF the Market Place by Product Type
72. Carriers Benefit Comparison By Metal Tier This is a representative sample of the Carrier's plans and rates. It is not intended to promote one Carrier over another Carrier
73. Cost-Sharing and Metal Tiers ACA Precious Metal Tiers Actuarial value percentages represent how much of a typical population’s medical spending a health insurance plan would cover. In general, lower member cost-sharing and higher premiums Plan Tier Actuarial Value Platinum 90% Gold 80% Silver 70% In general, higher member cost-sharing and lower premiums Bronze 60%
74. Benefit Comparison By Metal Tier Access Health Colorado Sample
75. Benefit Comparison By Metal Tier Anthem BC/BS Sample No Rx Deductible
76. Benefit Comparison By Metal Tier Cigna Plan Sample
77. Benefit Comparison By Metal Tier Colorado Choice Health Plan Sample
78. Benefit Comparison By Metal Tier Colorado HealthOP Plan Sample
79. Benefit Comparison By Metal Tier Denver Health Medical Sample
80. Benefit Comparison By Metal Tier Humana Sample
81. Benefit Comparison By Metal Tier Kaiser Permanente Plan Sample
82. Benefit Comparison By Metal Tier Rocky Mountain Health Plan Sample
83. Benefit Comparison By Metal Tier UnitedHealthcare Sample
84. Carrier Specific Key Points & Service Area This is a representative sample of the Carrier's Key Points and Service Area. It is not intended to promote one Carrier over another Carrier
85. Colorado Rating Areas by County Colorado has 11 rating areas based on varies counties Rating Area 1 & 2 have the lowest rates & Rating Area 11 the highest (rates average about 40% difference) Some zip codes will cross multiple counties If your coverage is through your employer, the rate is based on the employers zip code & county
86. Colorado Rating Area Map Rating Area 1 = Boulder ( Counties 1 ) Rating Area 2 = Colorado Springs ( Counties 2 ) Rating Area 3 = Denver ( Counties 10 ) Rating Area 4 = Fort Collins ( Counties 1 ) Rating Area 5 = Grand Junction ( Counties 1 ) Rating Area 6 = Greeley ( Counties 1 ) Rating Area 7 = Pueblo ( Counties 1 ) Rating Area 8 = South East ( Counties 20 ) Rating Area 9 = North East ( Counties 6 ) Rating Area 10 = West ( Counties 17 ) Rating Area 11 = Resort ( Counties 4 ) 4 6 10 9 1 3 11 5 2 8 7 10 8
87. Access Health Colorado / New Health Ventures Individual Market Unique Offerings and Programs Statewide PPO – see any provider in Colorado More specialists Behavioral health providers and primary care providers have the same low copay Local call center Integrated care with complete health and wellness programs Parent company, Colorado Access has more than 18 years of experience as a public insurance carrier Many avenues for member input and engagement – we listen to you Service Area Statewide Coverage
88. Anthem BlueCross and BlueShield Individual & Small Group Market Unique Offerings and Programs Once you’re a member, these tools and services will help put you in control: 24/7 NurseLine: access to a registered nurse who’s trained to help you make informed health care decisions. Find a Doctor: helps you find doctors, hospitals, pharmacies and specialists in your area. Zagat Health Survey: see what other patients have said about doctors and hospitals before you use them. Service Area Statewide Coverage
89. Cigna Individual Market Unique Offerings and Programs 24/7 Call Center making Cigna the first national health service company to offer customer service call center hours 24 hours a day, 7 days a week to answer questions at any time. Online Tools to compare the cost and quality of medications, medical services, and hospital care. Health Information Line Staffed by Trained Nurses who can offer detailed answers to health questions, available 24 hours a day, 7 days a week. Door-to-Door Home Delivery Pharmacy that offers both convenience and reduced costs for prescription drugs. Healthy Rewards® Discount Program for weight management and nutrition products, tobacco cessation, fitness club memberships and more. Service Area NO Statewide Coverage, limited 6 counties rating area 3
90. Cigna Individual Service Area Cigna Cigna Cigna Cigna Cigna Cigna
91. Colorado Choice Health Plans Individual & Small Group Market Unique Offerings and Programs Care Management Programs with Nurse Navigators to help guide patients towards their health care goals Health and Wellness programs and educational materials that are member centric Best Practice Protocols developed by physicians and nationally recognized provider organizations Pilot programs: Prometheus – provides physicians with individually-based patient information designed to avoid unnecessary costs and improve health outcomes Engaged Benefit Design – engages both the patient and provider in shared decision making and provides incentives for the use of high value, evidence-based services Colorado Primary Care Initiative – provides primary care physicians with data and tools to improve the health of their patient populations Service Area: No Statewide, 30 counties & 6 rating areas
92. Colorado Choice Health Plans Service Area CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice CO Choice
93. Colorado HealthOP Individual & Small Group Market Unique Offerings and Programs Colorado HealthOP offers incentives for preventive care. That means that our members receive rewards for doing a few simple screenings each year. Rewards may include money in health incentive accounts, smaller out-of-pocket maximums or credits toward deductibles. As a cooperative (CO-OP), Colorado HealthOP also offers members the chance to affect what is covered in their benefit structure. Starting in 2014, members will be elected to the CO-OP’s board of directors. Board members will guide the future of the CO-OP, including what is covered in benefit plans. Service Area: Statewide coverage for PPO plans EPO accesses to Central Metro Network – limited 17 counties & 7 rating areas
94. Colorado HealthOP Central Metro Network (EPO) COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP COOP
95. Denver Health Medical Plan / ELEVATE Individual Market Unique Offerings and Programs Mom’s To Be: A program offering incentives to encourage pregnant women to get prenatal care. Incentives include two months of diapers, an umbrella stroller, and a car seat. Baby’s First Year: Preventive care is especially important during a child’s first year of life. This is when vaccinations are given and growth patterns can be watched. This program encourages this care by offering incentives such as a baby monitor, diapers and a play gym. Take Control Of Your Health: An extensive health and wellness program that includes classes on general health topics, living with chronic diseases, and Cooking Matters, a hands-on healthy cooking class. In addition, we also offer a shopping class — learn how to buy healthy foods on a budget. Health Coaching: One-on-one health coaching for members to achieve health-related goals, like quitting smoking and weight loss. Service Area No Statewide coverage limited to 3 counties & 1 rating area
96. Denver Health Medical Plan / ELEVATE Service Area DH DH DH
97. Humana Individual Market Company at a glance Works with you to put you in control of your healthcare costs. Offers access to valuable tools to give you greater control of your healthcare dollar. Gives you access to health and well-being tools that remind you to live well. Service Area No Statewide coverage limited to 8 counties & 2 rating areas
98. Humana Service Area Humana Humana Humana Humana Humana Humana Humana Humana
99. Kaiser Permanente Individual & Small Group Market Thrive is the philosophy we live by. It’s the belief that being healthy is the basis for living well and embracing all the possible ways you can flourish and prosper. To help you reach your highest state of well-being we offer convenience, patient-centered care, online accessibility, tips and tools for wellness, and more. CONVENIENCE — At most Kaiser Permanente facilities and medical centers, you get one-stop service for primary care, lab tests, X-rays, and pharmacy. CHOICE — Make an informed choice by reviewing our doctors’ credentials online — education, certifications, secondary languages, and specialties. And you have the option of changing your primary care physician any time. INNOVATIVE TOOLS — Stay connected to your health 24/7 with your electronic health record. You can refill most prescriptions, schedule routine appointments, email your doctors, view most lab results, and much more — all from the convenience of your computer or phone. Service Area: No Statewide coverage limited to 24 counties & 8 rating areas
100. Kaiser Permanente Service Area KPDB KPDB KPNC KPDB KPDB KPDB KPDB KPDB KPDB KPDB KPDB KPDB KPDB KPDB KPCS KPDB KPCS KPCS KPCS KPCS KPCS KPCS KPCS KPCS
101. Rocky Mountain Health Plans Individual & Small Group Market Rocky Mountain Health Plans believes preventive care and a healthy lifestyle are key to maintaining good health. We offer a variety of health and wellness programs which give our Members the tools to stay in control of their health. Rocky Mountain Health Plans’ worksite wellness programs provide the tools and resources to assist employers in improving the health of their employees. Rocky Mountain Health Plans offers Disease Management Programs that help our Members manage chronic health conditions. Our programs offer learning materials, advice and care tips. Rocky Mountain Health Plans’ Foundation funds projects that: Help pregnant women to stop smoking by providing free diapers as an incentive to quit. Support weight management programs for kids and their parents. Promote physical activities for students during the school day. Help homeless students maintain good hygiene by providing hygiene kits. Service Area – Statewide coverage both PPO & HMO
102. SeeChange Health Insurance Small Group Market SeeChange Health focuses on wellness and prevention, which is why we pay you to see your doctor. Employees (and spouses/domestic partners) earn rewards for completing easy, voluntary preventive Health Actions: a short, online Health Questionnaire a Biometric Screening (basic lab tests) a Preventive Exam including cancer screenings. It’s that easy. And we pay 100% of the cost of for completing your preventive Health Actions. It pays to be proactive. Members receive financial rewards each year for completing their preventive Health Actions. Rewards vary based on the plan selected, including: Deposits into a Health Incentive Account (HIA) Deductible reimbursement When preventive Health Actions uncover specific chronic conditions members can earn more rewards for completing additional Health Actions aimed at helping them manage those conditions. Service Area – Statewide coverage
103. UnitedHealthcare / All Savers Individual Market Unique Offerings and Programs : At Home and on the Go: We are here when you need us and where you need us. You can reach us on the phone (Customer Service line), online (myuhc.com) or your cell phone (Health4Me app). Source4Women is an online resource on myuhc.com where women can find information and tools for health, fitness, nutrition and more. The website offers a community where women can learn from one another, share stories and attend free webinars on many women’s health issues. UHC.TVSM is the first-ever online TV channel dedicated to making health care more human. This public website explains health care benefits in everyday language and features humorous and heart-warming videos Premium Designation: The UnitedHealth Premium® designation program is a simple two-star rating system to help you see which doctors and specialty centers in your area are recognized for providing quality and cost-efficient care. Service Area: No Statewide coverage limited to 47 counties & 5 rating areas (Not in Denver)
104. United HealthCare / All Savers IndividualService Area UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC UHC