Three for Free Plan Is A Hit
More and more of your clients are taking that first step toward cost sharing and consumer engagement with our innovative Three for Free Plan. With price point comparable to an HSA, this plan is a great dual-option offering for your clients. Plus, the Three for Free Plan looks and feels like an HRA – only better. Employers have no administration details to take care of and HealthPartners will “fund” each family member’s virtual bank account with three free office or urgent care visits. Members also receive 100% preventive coverage and standard pharmacy copays of $12/$35/$50.
We’re seeing some interesting Three for Free sales trends.
First, unlike HSA adoption, where offering a higher priced traditional plan alongside an HSA plan dramatically increases HSA participation, it doesn’t seem to matter what product is being offered next to the Three for Free Plan. Adoption rates vary substantially. In addition, we’ve learned that:
Three for Free is offered as a stand-alone option:
- In 60% of small employer sales
- In 40% of middle market / EZ sales
When Three for Free is offered as a dual-option:
- It’s paired with a deductible plan in 80% of cases
- 50% of small employer members select this plan
- 22% of middle market members select this plan
For your Minnesota clients, there are three plans to choose from – all with a $500 deductible and a $3000 out-of-pocket maximum. The plans vary only in terms of co-insurance options – 75%, 60% or 50%. In Wisconsin, employers also have three plans to choose from with a $1000 deductible and coinsurance of 75%, 60% or 50%. Out-of-pocket maximums in Wisconsin vary by plan. For groups with more than 100 employees, customized deductible and coinsurance amounts are available. For middle market groups, the 50% and 60% coinsurance options are not available with the Select Choice network due to filing restrictions.
The Three for Free Plan features a variety of benefits to please both your clients and their employees. Talk to your client’s today about the Minnesota Three for Free Plan and the Wisconsin Three for Free Plan.
To learn more please contact your HealthPartners Sales Executive.
HEADLINES
HealthPartners Pharmacy Vendor Update
Did you know that HealthPartners set the national benchmark in prescription drug management last year according to the eValue8 report? Our clinical pharmacy and formulary services, as well as our prescription drug management programs, were the best in the nation for the second year in a row.
As we move forward into 2008, we’ll be making a minor change to our network and pharmacy claims processing services. Next year, these services will be performed by MedImpact, a national provider of pharmacy services with 27 million members.
There will be virtually no change for your clients or their employees – benefits and formularies will remain the same and there will be minimal change to HealthPartners nationwide network. HealthPartners will continue to provide our industry leading clinical pharmacy services, including our physician designed and directed formulary. This partnership takes effect Jan. 1, 2008, for Medicare Part D members and May 1, 2008, for commercial members. New Member ID cards will be issued prior to implementation.
If you have questions, please contact your HealthPartners Sales Executive.
Broker Web Site Enhancement
Now, you have access to the literature, information and sales tools you need – online 24/7!
We've added a new "Literature" page to Web site that includes information in four basic categories:
- About HealthPartners
- Programs and Value-adds
- Medical Plan Overviews
- Dental Plan Overviews
Since you don’t get a second chance to make a first impression, we encourage you to order professionally-printed copies of these items for your sales calls. The PDF files posted on this page are low resolution for fast, easy download and best used as reference items. Please contact your sales representative to place an order.
Review the new Literature page now!
HealthPartners Tops In Member Satisfaction
There’s one sure-fire way to keep your clients’ employees happy – deliver HealthPartners. According to the recent Consumer Assessment of Healthcare Providers and Systems (CAHPS) survey, HealthPartners has the highest overall scores for member satisfaction among health plans in Minnesota! HealthPartners ranked above the national average in five of the eight key areas – the most of any health plan in the state.
The survey asks consumers 40 questions about their experience in key areas such as easy access to care, how well their doctor and nurse listens and how quickly their claims were processed. HealthPartners had scores of 90% or higher in areas including getting care as soon as it was needed and courteous and respectful treatment from HealthPartners customer service. Areas where HealthPartners ranked above the national average include:
- Health plan rating
- Personal doctor rating
- Getting care quickly
- Doctor communication
- Processing claims accurately and quickly
The CAHPS survey is used to accredit health plans and in the U.S. News and World Reports/NCQA America’s Best Health Plans list (www.usnews.com). In 2006, HealthPartners was the only Minnesota health plan to rank in the top 50 nationwide.
If you have questions, please contact your HealthPartners Sales Executive.
Award Winning Behavioral Health Care
Earlier this month, HealthPartners behavioral health case management program received an honorable mention in the 2007 C. Everett Koop National Health Awards. HealthPartners program was recognized for preventing behavioral health crisis that lead to emergency hospitalization for individuals with severe behavioral health conditions including severe depression, bipolar disorder and chemical dependency.
HealthPartners was among only five organizations (two award winners and three honorable mentions) recognized at the 2007 ceremony earlier this month in New Orleans. The C. Everett Koop Awards are given by the Health Project; a non-profit, private-public consortium chaired by C. Everett Koop, M.D., the former U.S. surgeon general. The Koop Health Awards are given each year to worksite, community or provider programs which have soundly documented improved health and decreased medical costs.
HealthPartners created the behavioral health program in 2003 and since then more than 3,000 members have benefited from services. Results in 2006 include:
- Use of outpatient behavioral health services increased seven percent
- Emergency room visits for behavioral health conditions decreased 5%
- Costs for behavioral health decreased 22% or $3 million
- Provider, member satisfaction 90%
For more information, please contact your HealthPartners Sales Executive.
New Short Term Plan for Individuals
Do you have clients who need affordable, temporary medical coverage right away? Whether they’re recent graduates, in between jobs or are waiting for group coverage to start we’ve got a great solution – a Short Term Health Plan from HealthPartners!
The new Short Term Health Plan provides members with coverage for 30, 60 or 90 days and access to the more than 470,000 providers and 4,800 hospitals nationwide. Members can choose from deductible options ranging from $300 to $2,000 and can even sign up for an HSA-eligible product.
Did we mention we’re fast? Coverage for eligible members begins right when we receive the application and payment in full. So, you might want to encourage your clients to take a Short Term Health Plan while they’re being underwritten for one of our long term individual plans. We’ll apply a member’s unused Short Term premium toward any of our long term individual plans.
Broker compensation is $5 per contract per month for this plan.
To learn more, please contact your HealthPartners Sales Executive.
First quarter 2008 small group medical index rates (.75 and 1.25 tables) reflect a 1.5% increase for Minnesota and a 2.5% increase for Wisconsin plans.
Our Frequent Fitness program continues to grow. With more than 240 clubs, your clients are one step closer to better health. New clubs as of November 1, 2007, include
- Anytime Fitness - St. Croix Falls, Wisc.
- Anytime Fitness - Grand Rapids
- Anytime Fitness - Chisago City
- Anytime Fitness - Forest Lake
- Fitness Zone - Otsego location only
- Itasca County Family YMCA - Grand Rapids
Learn more about Frequent Fitness.
Network Updates
As our client base and membership continues to expand, so does our network. In fact, we’ve recently added a large number of providers. 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
Winthrop Area Clinic-New Ulm Medical Center – Winthrop
Medical – Wisconsin
Luther Midelfort Northland MHS – Rice Lake
Dental – Minnesota
Bruce D. Bates, DDS, PA – Roseville
Lake Street Dental – Minneapolis
Kurt M. Sundeen, DDS, PA – St. Paul
Dental – Wisconsin
River Place Dental – Amery
Try out our new search function so see just how easy it is to find a network provider quickly and simply. Provider Search.
Library: Quick Links to Great Resources
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
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