Employee Information Session May 18, 2020

• Employee benefit - complements your health plan

• Helps employees and their covered family members

manage balances due after insurance

• Automatic enrollment

• Single statement and consumer-friendly repayment

terms

HealthBridge

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• HealthBridge applies to your portion of

• Covered medical services

• From a HealthBridge Network Provider

• Your portion = copayments, coinsurance and deductibles

HealthBridge

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How it Works

WITH LOGO

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Receive medical care, covered by your

health plan, from a HealthBridge

Network Provider

Do not pay the provider

directly for Copays,

Coinsurance or Deductibles

3HealthBridge pays the HealthBridge

Network Provider up front and on

your behalf – for your portion of

covered medical claims

Receive a single monthly statement

from HealthBridge4

5Repay HealthBridge for up to 24 months

• 10% discount on balances paid in full – at

any time

• 3-month interest free period

• 7% annual interest rate – never increases

(0.58% monthly)

6Manage your account – online member portal,

mobile website. Pay online, via mail or by phone.

HealthBridge Process Overview

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Example – Paying a Balance within 3 months

Lisa’s Fall

WITH LOGO

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Source: Kaiser/HRET survey of employer-sponsored health benefits, 2006-2016

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January 1st, Lisa falls on her

shoulder. She visits an Urgent Care

and gets physical therapy 3 times -

with HealthBridge Network Providers.

Her health plan requires a $50

Urgent Care copayment.

Each PT coinsurance is $150.

She does not pay the

providers directly.

3HealthBridge pays the providers for

Lisa’s $50 copayment and the $150

coinsurance three times for PT.

Lisa receives a statement from HealthBridge.

Total statement = $500. 4

5 She pays the minimum $25 / month

for Feb and Mar ($50) – no interest

(She doesn’t have any other new

medical claims in Jan, Feb or Mar)

6In April she decides to pay the remaining

balance ($450) at a 10% discount.

She pays $405 and saves $45!

Example – Lisa’s Fall

7Example for illustrative purposes only. Does not represent an actual event

or an actual deductible for a service covered by a health plan.

Using HealthBridge

WITH LOGO

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Mercy Health & St. Mary’s in Grand Rapids and the Lakeshore

• Mercy Health

• St. Mary’s

• Mercy Health Physician Partners

Metro Health (effective June 1)

North Ottawa Community Hospital

Growing provider network!

HealthBridge Provider Network

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• Covered members 18+ will receive a HealthBridge Welcome Letter

• Paper membership cards

• Instructions to log in to Member Portal

• View / download virtual card via Member Portal

HealthBridge Membership Cards

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Sample Member Portal

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Mercy Health Saint Mary’s

Marcy Williams

Marcy Jose.. Jeff

Mercy Health Radiology

876.5136.52

36.52

788.86 $876.51

Sample Member Statement

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Mercy Health Radiology

Mercy Health Saint Mary’s

• Complements your health plan

• Manage out-of-pocket covered medical expenses

• Growing HealthBridge Provider Network

• Doesn’t change your health plan

• Automatic, guaranteed benefit enrollment

• No credit checks or applications

• No cost to you

• Manage payments

• Monthly statement

• 3-month interest free period

• 10% discount on remaining balance when paid in full

• 7% annual interest rate – never increases

• Pay via Mastercard, Visa, HSA, FSA or checking account

• Payments accepted online, via phone or by mail

• Ability to set up recurring payments

Highlights

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HealthBridge Call Center

(800) 931-8890

Located in Grand Rapids, Michigan

8am - 8pm Monday – Friday

9am - 1pm Saturday

THANK YOUVal Cramer, VP of Sales

val.cramer@myhealthbridge.com

616.717.2077

myhealthbridge.com