Transcript GlidePath

GlidePath:
BCBSM’s Private Exchange Solution
Why GlidePath?
It satisfies both employer and employee needs,
while providing predictability, choice, and control.
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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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Low
Coverage
High
2013 – 5 Product Families
Low
Premium Costs
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High
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2014 Product Families
Menu A*
PPO
Simply Blue 1000
Simply Blue HSA 1250
Simply Blue 2500
Simply Blue HSA 3000
Simply Blue 4000
Coinsurance
OOPM
PCP OV/SPEC OV/UC/ER
BCN 1000
20%
$3,500
30/50/60/150
BCN HSA 1250
20%
$2,250
80% after in-network deductible, with 20% coinsurance
BCN 2500
20%
$5,000
30/50/60/150
BCN HSA 3000
20%
$4,000
80% after in-network deductible, with 20% coinsurance
BCN 4000
30%
$6,350
30/50/60/150
HMO
Menu B*
PPO
HMO
Simply 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
*2014 menu options are dependent on OFIR approval
Pharmacy Options:
Rx Option A
Rx Option B
PPO
15/50/50%/20%/25%
10/40/80
HMO
4/15/40/80/20%/20%
10/40/80
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2014 Sponsored Dental and Vision Options
Dental:
Vision:
Note: Sponsored Ancillary Options require a minimum monthly contribution.
Dental: $15 - Vision: $3.75 - Both: $16.65 (This is a per subscriber contribution)
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2014 Voluntary Dental and Vision Options
Dental:
Vision:
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GlidePath Process
This process “engages”
employees in the health
insurance buying decision
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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
Licensed
Trusted
GlidePath Advisor
Individualized
Available
8 am – 11 pm
Eastern time
Seven Days a
Week!
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Customerfocused
Resource for Employee Empowerment
 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
The GlidePath™ Service Advantage
Delivering a best-in-class, high touch end-to-end customer
experience from selection through utilization
Employer
Selection
Employee
“Shopping”
Broad nationwide
GlidePath Advisors
provider networks
Online enrollment
Neutral to agent and system
consulting partners
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Member
Service
Health Advocate™
Customer Service
Professionals
Walk-in Centers
Access to best-inclass providers
nationwide
A Review of Our Experience With GlidePath
• Two years of
experience
operating a private
exchange serving
Michigan
Companies
• Provide stability
before market
introduction
• Satisfied group
references
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