Caring For Those Who Serve

HealthFlexHealthFlexPlan Sponsor Plan Sponsor Conference Conference CallsCallsDecember 7-8, 2010December 7-8, 2010

AgendaAgenda

• Health Care Reform UpdateHealth Care Reform Update

• Wellness Programs UpdateWellness Programs Update

• Retiree Health Plans UpdateRetiree Health Plans Update

• Active Plans UpdateActive Plans Update

HealthCare Reform UpdateHealthCare Reform Update

• Small Business Health Care Tax Small Business Health Care Tax CreditCredit

• Other updatesOther updates

HealthFlex Wellness HealthFlex Wellness ProgramsProgramsRecommended Updates for Recommended Updates for 20112011• Screening program improvementScreening program improvement

• 2011 incentives strategy2011 incentives strategy

• Communications supportCommunications support

• 2011-2012 Virgin HealthMiles 2011-2012 Virgin HealthMiles transitiontransition

Screening Program Screening Program RationaleRationale■ Comprehensive screening panel that Comprehensive screening panel that

does not vary by region or physiciandoes not vary by region or physician

■ Economy of scale for purchasing of Economy of scale for purchasing of comprehensive screeningcomprehensive screening

■ Ease and clarity of incentive Ease and clarity of incentive administrationadministration(unlike wellness exams)(unlike wellness exams)

■ Data available for population analysisData available for population analysis

Screening Program Screening Program ImprovementImprovement■ Improved access for participants/spouses:Improved access for participants/spouses:

Events (Annual Conference, Employee Event)Events (Annual Conference, Employee Event) Local Quest service centersLocal Quest service centers (Physician verification form—exception)(Physician verification form—exception)

■ Onsite event improvementsOnsite event improvements Online/phone schedulerOnline/phone scheduler Plan sponsor administrative accessPlan sponsor administrative access (Note: only eligible individuals can participate)(Note: only eligible individuals can participate)

Screening Program Screening Program ImprovementImprovement■ Greater administrative control and Greater administrative control and

efficiencies:efficiencies: Phlebotomist oversight and quality controlPhlebotomist oversight and quality control Data export to WebMD and IngenixData export to WebMD and Ingenix Expanded aggregate reporting for plan Expanded aggregate reporting for plan

sponsors and HealthFlexsponsors and HealthFlex

Toolkits for New Toolkits for New ScreeningsScreenings■ Administrative ToolkitAdministrative Toolkit

Executive Summary/FAQExecutive Summary/FAQ

Event “How-to” checklistEvent “How-to” checklist

Physician form—exception instructionsPhysician form—exception instructions

■ Communications ToolkitCommunications Toolkit Promoting onsite eventsPromoting onsite events

Informing non-attendees how to accessInforming non-attendees how to accesslocal service centerslocal service centers

Participant FAQ (including privacy information)Participant FAQ (including privacy information)

2011 HealthFlex 2011 HealthFlex Incentives: Targeted Incentives: Targeted BehaviorsBehaviorsComplete Quest screeningComplete Quest screening

Earn $100 HealthCashEarn $100 HealthCash

Complete HealthQuotientComplete HealthQuotient

Avoid higher 2012 deductibleAvoid higher 2012 deductible

Take Action Post-HQ! (i.e. Health Take Action Post-HQ! (i.e. Health Coaching)Coaching)

(Set up for possible future incentives)(Set up for possible future incentives)

Incentive Timing: Defined Incentive Timing: Defined Periods for Each Desired Periods for Each Desired ActionAction■ Ease of communicating deadlinesEase of communicating deadlines

■ Screening precedes HQ to allow data importScreening precedes HQ to allow data import

■ Screening and HQ need to precede coachingScreening and HQ need to precede coaching

■ Distinct time periods for each behavior; Distinct time periods for each behavior; screening close to HQ completion and screening close to HQ completion and creation of action plan with WebMD coachcreation of action plan with WebMD coach

■ HQ completion deadline must be before AE HQ completion deadline must be before AE to allow completion data (not results) to be to allow completion data (not results) to be shared with carriers.shared with carriers.

2011 Incentives Schedule2011 Incentives Schedule

April-July 2011April-July 2011: Complete Quest screening: Complete Quest screening

Earn $100 HealthCashEarn $100 HealthCash

Aug-Sept 2011Aug-Sept 2011: Complete HealthQuotient: Complete HealthQuotient

Avoid higher 2012 deductibleAvoid higher 2012 deductible

September + September + : Post-HQ Take Action! (i.e. : Post-HQ Take Action! (i.e. Health Coaching)Health Coaching)

(Set up for possible future incentives)(Set up for possible future incentives)

2011 Incentives: 2011 Incentives: Communications PlanCommunications Plan■ Plan Sponsor Communications ToolkitsPlan Sponsor Communications Toolkits

Incentives overview (late December)Incentives overview (late December) New Quest screenings (January/February)New Quest screenings (January/February) HealthQuotient blitz (late June)HealthQuotient blitz (late June)

■ Participant CommunicationsParticipant Communications Incentives introduction (January/February)Incentives introduction (January/February) Incentives kickoff/Quest reminder (Late March)Incentives kickoff/Quest reminder (Late March) 1 Quest deadline reminder (late July)1 Quest deadline reminder (late July) 2 HQ reminders (late July and late September)2 HQ reminders (late July and late September)

HealthMiles Objectives for HealthMiles Objectives for 20122012■ Enhance incentives:Enhance incentives:

More directly tied to desired behaviors More directly tied to desired behaviors (avoid engagement “gaps”)(avoid engagement “gaps”)

Sustain interest and finances over a longer Sustain interest and finances over a longer periodperiod

Allow integration with other HealthFlex Allow integration with other HealthFlex incentives incentives (HQ, Quest screening, coaching)(HQ, Quest screening, coaching)

■ Improve administration:Improve administration: Calendar-year program for all individuals, Calendar-year program for all individuals,

regardless of enrollment dateregardless of enrollment date

Messages and incentives same for all individualsMessages and incentives same for all individuals

2012 HealthMiles 2012 HealthMiles TransitionTransition■ Beginning January 1, 2012, all Beginning January 1, 2012, all

participants will begin a calendar-year participants will begin a calendar-year programprogram

Quarterly “tasks” rather than 12 months-Quarterly “tasks” rather than 12 months-levelslevels

■ Shortened earning period for program Shortened earning period for program years years beginning in 2011beginning in 2011

Anniversary e-mails starting Jan 2011 to Anniversary e-mails starting Jan 2011 to inform participants of shortened time to inform participants of shortened time to reach target levelsreach target levels

2012 HealthMiles 2012 HealthMiles TransitionTransition

Retiree Health Plans Retiree Health Plans Strategy Strategy Proposed 2012–2013 Proposed 2012–2013 ObjectivesObjectivesChanges that allow for:Changes that allow for:

Reduced/stabilized premium costs Reduced/stabilized premium costs and liability exposureand liability exposure

Reduced administrative exposure Reduced administrative exposure

Increased flexibility and agilityIncreased flexibility and agility

Increased choice Increased choice

Retiree Health Plans Retiree Health Plans Strategy Strategy Proposed 2012–2013 Proposed 2012–2013 ObjectivesObjectives• Multi-year phased approach: by 2013 or 2014, all plan Multi-year phased approach: by 2013 or 2014, all plan

sponsors transitioned to Individual Plans Market option sponsors transitioned to Individual Plans Market option

20122012

■ Existing Medicare Companion/Rx Plans Existing Medicare Companion/Rx Plans (with changes)(with changes); or; or■ Individual Medicare Supplement Plans Market Individual Medicare Supplement Plans Market (via Extend Health)(via Extend Health)

20132013

■ Individual Medicare Supplement Plans Market only; orIndividual Medicare Supplement Plans Market only; or

■ Same two options as 2012Same two options as 2012

20142014

■ Individual Medicare Supplement Plans Market OnlyIndividual Medicare Supplement Plans Market Only

Retiree Health Plans Retiree Health Plans Strategy Strategy Proposed 2012–2013 Proposed 2012–2013 ObjectivesObjectivesBusiness model* for “Individual Business model* for “Individual

Medicare Supplement Market” Option:Medicare Supplement Market” Option:■ Creates an “exchange” for most available Creates an “exchange” for most available

plans in geographic-specific market (Medicare plans in geographic-specific market (Medicare Advantage, Medigap, Dental and Vision) Advantage, Medigap, Dental and Vision)

■ Manages eligibility, enrollment and annual Manages eligibility, enrollment and annual renewals for plan sponsor retirees renewals for plan sponsor retirees

*Refer to “Retiree Health Plans Solution Diagram”*Refer to “Retiree Health Plans Solution Diagram”

Retiree Health Plans Retiree Health Plans Strategy Strategy Proposed 2012–2013 Proposed 2012–2013 ObjectivesObjectives■ Health Reimbursement Account (HRA) Health Reimbursement Account (HRA)

used for premium and eligible expense used for premium and eligible expense reimbursement reimbursement

■ Lifetime customer service and Lifetime customer service and advocacy provided by benefit advisorsadvocacy provided by benefit advisors

Retiree Health Plans Retiree Health Plans Strategy Strategy Proposed 2012–2013 Proposed 2012–2013 ObjectivesObjectives• Existing Medicare Companion/Rx plan changes: Existing Medicare Companion/Rx plan changes:

aligned with transition to new offering; phase aligned with transition to new offering; phase out by 2013 or 2014out by 2013 or 2014

20122012

■ Eliminate MC3; increase MC1 and MC2 OOP’sEliminate MC3; increase MC1 and MC2 OOP’s■ Eliminate FX1; increase FX2/P1/P2 OOP’s Eliminate FX1; increase FX2/P1/P2 OOP’s (same as with active plans )(same as with active plans )

20132013■ MC1, 2 and 3—no longer offered?? MC1, 2 and 3—no longer offered?? (or 2014 total phase-out)(or 2014 total phase-out)

■ Eliminate FX2 Eliminate FX2 (same as with active plans)(same as with active plans)

20142014

■ MC1, 2 and 3—no longer offeredMC1, 2 and 3—no longer offered

Retiree Health Plans Retiree Health Plans Strategy Strategy Proposed Next StepsProposed Next Steps• Q1 2011Q1 2011

■ Webconference with HealthFlex and Extend Webconference with HealthFlex and Extend Health with each interested plan sponsorHealth with each interested plan sponsor

■ Model impact to plan sponsor: HRA funding, Model impact to plan sponsor: HRA funding, disruption to participants, etc. disruption to participants, etc.

• Q2 2011Q2 2011

■ Plan sponsor adoption for 2012Plan sponsor adoption for 2012

Active Plans Strategy Active Plans Strategy Proposed 2012–2014 Proposed 2012–2014 Objectives Objectives Trends necessitate changes:Trends necessitate changes: Reduce/stabilize cost exposure for plan sponsors Reduce/stabilize cost exposure for plan sponsors

and plan and plan

Greater consistency and equity in shared Greater consistency and equity in shared responsibility across plan sponsorsresponsibility across plan sponsors

Streamlining of plansStreamlining of plans

Changes in plan benefits Changes in plan benefits

Active Plans Strategy Active Plans Strategy Proposed 2012–2014 Proposed 2012–2014 ObjectivesObjectives Refer to “Active Plans Strategy Refer to “Active Plans Strategy

Summary”Summary”

1-800-851-22011-800-851-2201www.gbophb.orgwww.gbophb.org