glidepath: bcbsm’s private exchange solution
DESCRIPTION
GlidePath: BCBSM’s Private Exchange Solution. Why GlidePath?. It satisfies both employer and employee needs, while providing predictability, choice, and control. GlidePath Current State. Over 10,000 Michigan residents are using the GlidePath platform! - PowerPoint PPT PresentationTRANSCRIPT
GlidePath:BCBSM’s Private Exchange Solution
Why GlidePath?
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It satisfies both employer and employee needs,while providing predictability, choice, and control.
GlidePath Current State
Over 10,000 Michigan residents are using the GlidePath platform!
Seven active groups – 5,500 members Two retiree groups – 4,900 members
Who is eligible for GlidePath?
During Focused Release phase, fully insured and self-funded active
groups, 51+ FTEs
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2013 – 5 Product Families
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Premium Costs HighLow
Low
High
Cove
rage
2014 Product FamiliesMenu A* Coinsurance OOPM PCP OV/SPEC OV/UC/ER
PPO HMO Simply Blue 1000 BCN 1000 20% $3,500 30/50/60/150
Simply Blue HSA 1250 BCN HSA 1250 20% $2,250 80% after in-network deductible, with 20% coinsurance
Simply Blue 2500 BCN 2500 20% $5,000 30/50/60/150
Simply Blue HSA 3000 BCN HSA 3000 20% $4,000 80% after in-network deductible, with 20% coinsurance
Simply Blue 4000 BCN 4000 30% $6,350 30/50/60/150
Menu B*
PPO HMOSimply Blue 250 BCN 250 20% $1,750 20/40/60/150
Simply Blue 500 BCN 500 20% $2,000 20/40/60/150
Simply Blue 1000 BCN 1000 20% $3,500 30/50/60/150
Simply Blue HSA 1250 BCN HSA 1250 0% $2,250 N/A
Simply Blue HSA 2000 BCN HSA 2000 0% $3,000 N/A
PPO HMORx Option A 15/50/50%/20%/25% 4/15/40/80/20%/20%Rx Option B 10/40/80 10/40/80
Pharmacy Options:*2014 menu options are dependent on OFIR approval
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2014 Sponsored Dental and Vision Options
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Note: Sponsored Ancillary Options require a minimum monthly contribution. Dental: $15 - Vision: $3.75 - Both: $16.65 (This is a per subscriber contribution)
Vision:
Dental:
2014 Voluntary Dental and Vision Options
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Vision:
Dental:
GlidePath Process
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This process “engages” employees in the health
insurance buying decision
Significant GlidePath Results
66% of employees substantially “bought down” on the exchange
62% of employees took the GlidePath Decision Support survey
79% of members believe their enrollment experience is as good as
or better than last year
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Working with GlidePath Advisors
GlidePath Advisor
Available 8 am – 11 pm Eastern timeSeven Days a
Week!
Licensed
Individualized
Trusted
Customer- focused
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One-on-one support to navigate the health care system.
Consumer health care education and coaching
Staffed by registered nurses and other credentialed advisors
Available to the entire family, including parents
Resource for Employee Empowerment
The GlidePath™ Service Advantage
Employer
Selection
Employee
“Shopping”
Member
ServiceBroad nationwide provider networks
Neutral to agent and consulting partners
GlidePath AdvisorsOnline enrollment
system
Health Advocate™Customer Service
ProfessionalsWalk-in CentersAccess to best-in-
class providers nationwide
Delivering a best-in-class, high touch end-to-end customer experience from selection through utilization
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A Review of Our Experience With GlidePath
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• Two years of experience operating a private exchange serving Michigan Companies
• Provide stability before market introduction
• Satisfied group references