a health plan that rewards you for being, getting and staying healthy
DESCRIPTION
A health plan that rewards you for being, getting and staying healthy. SM. Health byChoice Incentives. Combines your medical plan with the opportunity to save money when you stay healthy or make measureable improvements to your health. Why we encourage healthy lifestyles. - PowerPoint PPT PresentationTRANSCRIPT
HealthbyChoice Incentives
• Combines your medical plan with the opportunity to save money when you stay healthy or make measureable improvements to your health
Why we encourage healthy lifestyles
• 70% of all chronic health conditions are preventable• Chronic disease = 75% of $1.4 trillion in costs
– Diabetes– Obesity– Tobacco use– Heart disease
Two benefit levels
Standard Choice
Standard – You’ll have higher copayments, coinsurance and deductibles
Choice – You’ll save money with lower copayments, coinsurance and deductibles
OR
How it works
• You’ll start at the money-saving Choice level, with lower copayments and deductibles. To remain at this level, you and your covered spouse must meet the requirements within 90 days of the plan effective date.
• If you miss the deadline, everyone on your plan will move to the Standard level on day 91. You keep the same great benefits, but will have higher copayments and deductibles.
Complete two easy steps
Complete the confidential, online health assessment
Ask your doctor to submit a HealthbyChoice Incentives form to verify you meet the criteria
2
1
Health indicators
You must be tobacco-free — (6-month look-back)
Body mass index — must be under 30 (6-month look-back)
Blood pressure — must be under 140/90 (6-month look-back)
Health indicators
If you don’t meet the health indicators, you can still qualify if you:Complete a fasting cholesterol testComplete a fasting blood sugar test Agree to follow your doctor’s treatment
recommendations
What happens on day 91?
• If you and your spouse meet the requirements within 90 days of your plan’s effective date, you’ll remain at the money-saving Choice level
• If you miss the deadline, everyone on your plan will move to the Standard level on day 91. You keep the same great benefits, but you’ll have higher copayments and deductibles
The next plan year
• You keep the level you were in – Choice or Standard – for the first 90 days while you complete the requirements to earn the Choice level again
• Don’t worry, we’ll remind you to re-qualify every year you’re in the plan
1. Find the HealthbyChoice box2. Click “Go Now” to see your requirements and take the health assessment
Communications
• On day 5 and 45, you’ll receive a reminder letter from us
• Once all commitments are met, you’ll receive a congratulations letter
We’re here to help
• Find easy-to-use web-based tools and health information online
• Save money with our HealthFit discounts on fitness club memberships, laser eye surgery, running shoes, computers and more
• Personalized health coaching