Deliver a 5% discount to NEW HealthPartners dental clients with our new Dental Distinctions^SM plans! We’ve got three new dental plans for clients with up to 100 employees that will help you get your foot in the door with a one-year, 5% discount. With Distinctions, your clients will be happy and so will their employees!

Your clients face the daily challenge of balancing their company’s needs alongside their employees’ needs. The HealthPartners Dental Distinctions plan gives them a way to address both. For clients concerned with containing cost, Distinctions offers several benefit levels that motivate employees to select the most appropriate care at the best cost. For clients concerned with giving employees access to a large dental network, HealthPartners offers the largest regional dental PPO network – and access to dentists coast-to-coast. With Dental Distinctions, your clients’ employees get the best care, the best cost and access to a broad spectrum of dental providers. And your clients get balance.

HealthPartners Dental Distinctions Plan

• Three-tier plan – featuring two network levels, plus out-of-network benefits
• No clinic selection or specialty referrals required
• 100% preventive coverage
• More services covered, including sealants and buildups for crowns
• Members who select and receive care from a Benefit Level 1 provider receive the highest level of benefits
• 20% discount to all members at Orthodontic Care Specialists, Ltd.

With great care and great access at a great cost, this plan is sure to please your clients and their employees.

As groups renew after their first year of enrollment, they will renew at the Standard Rates. For groups that already offer dental coverage through HealthPartners, Standard Rates are available for all three plans.

Review Distinctions plan Standard Rates and New Business rate sheets.

Are you and your clients aware of the recent legislative changes that are going into effect in the next six months? Here’s what you need to know:

Dependents to Age 25: Dependents through age 24 are now covered regardless of their student status. "Dependent" means a spouse or unmarried child under the age of 25. This change may have a significant impact on your clients and we are looking at a variety of strategies address this government imposed change. Effective January 1, 2008.

Colorectal Screening: Mandated coverage for colon cancer screening. HealthPartners already covers colon cancer screening under our preventive care benefit so there is no price or member impact due to this legislation. Effective August 1, 2007.

Hearing Aids: A mandate to cover hearing aids for children through age 18. HealthPartners already covers hearing aids for children if the hearing loss is due to a functional congenital malformation of the ears (this covers the majority of cases). The legislation mandates coverage for hearing aids regardless if the hearing loss is due to a congenital malformation of the ears or not. We predict minimal cost or member impact due to this legislation. Effective August 1, 2007.

If you have questions regarding these changes, please contact your HealthPartners Sales Executive.

As you prepare for July business, here’s what you need to know about our small group product portfolio:

• More high deductible/high copay plans.  We’ve added a $2000–$35 plan and a $2500–$35 option, both with a $3,000 out-of-pocket maximum.
• New HSA products. Now you can offer your clients more HSA options including both embedded and non-embedded options. Plus, HealthPartners offers the lowest deductible available in the market.
• Added a new embedded $2700-80% HSA plan
• Replaced the $1200 deductible plans with $1100 deductible plans – the deductible will automatically adjust annually according to IRS regulations
• Specialty pharmacy. All prescriptions for specialty drugs have 80% coinsurance up to a $200 member out-of-pocket monthly maximum per prescription. This new benefit does not apply to HSA plans with 100% coinsurance.
• Bariatric Surgery. The out-of-network lifetime maximum benefit for bariatric surgery is changing to $5,000 and is being removed from the out-of-network out-of-pocket maximum.
• Transplants. The out-of-network lifetime maximum benefit for transplants is changing to $25,000 and is being removed from the out-of-network out-of-pocket maximum.

If you have questions regarding these changes, please contact your HealthPartners Sales Executive.

As you prepare for July business, here’s what’s new for small groups and preferred large groups:

• New copay differential product. This plan features a $1500 deductible with a $40 copay for primary care and $60 copay for specialty care. The plan’s price point is similar to the $2000-$40 plan.
• More high deductible/high copay plans.  We’ve added a $2000–$40 plan with a $3,250 out-of-pocket maximum and a $2500–$40 option with $3,750 out-of-pocket maximum.
• New HSA products. Now you can offer your clients 12 HSA options including both embedded and non-embedded options. Plus, HealthPartners offers four different deductible levels and the lowest deductible available in the market.
• Specialty pharmacy. All plans now offer infertility coverage with a $5,000 maximum benefit.
• Out-of-Pocket Maximums. All OOP maximums increasing by $250
• Transplants. The out-of-network lifetime maximum benefit for transplants is changing to $25,000.

If you have questions regarding these changes, please contact your HealthPartners Sales Executive.

At your request, we’ve changed our policy on off-cycle HSAs and the 3% table load. Now, your groups can add an off-cycle HSA without the 3% load. Any other off-cycle product changes will incur a 3% table load.

Learn more about HSAs.

To help employers plan ahead for HDHP plan designs, cost of living adjustment (COLA) figures are now released in June rather than November. One important item to note in these new figures is that the minimum required annual deductibles for HDHPs will remain unchanged in 2008. The annual contribution limits and the maximum out-of-pocket limits will be raised. The 2007 amounts and the changes for 2008 are as follows:

*The maximum annual HSA contribution is no longer limited by the deductible amount on the plan.  As long as the plan meets the minimum deductible, a policyholder can contribute the full maximum amount to an HSA.

For more information on the please visit: http://www.treasury.gov/offices/public-affairs/hsa/

A record number of current and prospective clients attended HealthPartners Purchaser Symposium last month to learn more about reducing costs through improved employee health.

Keynote speakers Ron Goezel, Ph.D. from Cornell University Institute for Health and Productivity Studies, and Mary Brainerd, President and CEO of HealthPartners, made it clear that investing in health yields productive, healthy employees, and makes a significant difference to your clients’ bottom line.

Whether your clients have two employees or 2,000, our health and wellness programs provide solutions to improve health, combat chronic disease and address behavior-related health risks. We deliver the information, programming and support your clients need to improve the health and productivity of their employees, and in turn increase their bottom line.

Review the Symposium presentations to learn more!

Our Frequent Fitness program continues to grow. With more than 200 clubs, your clients are one-step closer to better health. New clubs include:

• Courage Center - St. Croix (Stillwater, Minn.)
• Courage Center - Golden Valley (Golden Valley, Minn.)
• Becker Community Center (Becker, Minn.)
• Chequamegon Health and Fitness (Ashland, Wisc.)
• St. Charles Athletic Center (St. Charles, Minn.)
• Sabes Jewish Community Center (Minneapolis, Minn.)

Learn more about Frequent Fitness.

We’re committed to providing access to the providers your clients demand – nationwide. No matter where your clients live, work or travel, we’ve got them covered. Recent additions include:

Medical – Minnesota
Smart Clinic – Fairmont
Farmington Clinic – Farmington

Medical – North Dakota
Foster Medical Clinic – Carrington

Dental – Minnesota
City Walk Dental – Woodbury
Hastings Dental Associates – Hastings
Minnesota Lee Dental Clinic, PC – Maple Grove
William F. Oswall, DDS – Waconia
Pierz Dental Clinic, PA – Pierz
James R. Swanstrom, DDS – Duluth

Dental – Wisconsin
Roberts Dental – Roberts

Try out our new search function so see just how easy it is to find a network provider quickly and simply. Provider Search.

Important Contacts
Our Group Medical Plans
Our Group Dental Plans
Our Individual and Medicare Plans
Our Achieve ^SM Health Improvement Programs
Our CareSpan ^SM Disease Management Programs
Direct Connect to Broker Portal