Your Coverage Resources™
July 9, 2013
Agenda
Section 1 Marketplace Changes
Section 2 Helping Employee Obtain Health Insurance
Section 3 Question & Answer
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Health Reform Will Have a Significant Impact in 2014
30 million U.S. residents will gain coverage under the Affordable Care Act
12 million Americans will qualify for coverage from the expansion of Medicaid
26% Of employers believe state marketplaces will be a viable option for their workforce to obtain coverage
October 1, 2013 When state marketplaces are available for enrollment
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The Evolution of Employer-Sponsored Health Care Benefits
Employer group
health plan
Aggressive health
management
Integrated absence
management
Defined Benefit
State Marketplaces and Other Public Programs
(Part-time, Seasonal, COBRA, Others ineligible for group health coverage)
Transfer Risk Manage Risk
Defined Contribution Exchanges
Transparent
subsidy (credit)
Transparent price
Standard plan designs
Increased choice
Active employee
health care
exchange
Retiree health
care exchange
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Group
Individual
Ineligible for Benefits (Part-Time, COBRA, Seasonal)
State Marketplaces
Public Programs
Eligible for Benefits (Active Employees)
Corporate Health Exchange
Future (2018+) Retiree Health Exchange
State Marketplaces
Public Programs
Transition
Retired
(Pre-65, Post-65)
Consulting
Transition Transition
The Comprehensive Solution
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Aon Hewitt Health Care Exchanges
Where Will Employees Obtain Health Insurance?
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Employer Plan?
Medicaid?
State Marketplace?
Medicare?
Children’s Health Insurance Program?
Other?
Help employees learn about health care reform and
find insurance if they are ineligible or cannot afford
group coverage
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?
Your Coverage Resources Helps Them Decide
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Customer Service Additional employee support
provided by experienced call
center representatives
and health care advocates
Education Interactive website with information on
health care reform and programs such as:
State/Federal marketplaces
Medicaid
Medicare
CHIP (for dependents)
Communication Promote awareness of available resources
to employees and senior management
Eligibility Modeling tool to help
individuals understand if they
may qualify for public programs
or financial help
Enrollment Helping employees enroll in:
Marketplaces
Medicare
Individual plans
Education
Eligibility
Enrollment Communication
Customer Service
Start with Education & Understanding Eligibility for Programs/Subsidies
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Then Help Them Enroll in Health Insurance
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eHealth
Integrated with
marketplaces to determine
subsidy eligibility & amount
Consumer-friendly online
shopping experience to
compare and find plans
Full support to create and
submit applications
24/7 customer care
support via online chat,
telephone, email
Marketplaces Program
Se
lect
sta
tes
Other states
Enrollment
Provider
Medicare
Aon Hewitt Navigators®
Medicare Advantage, PDP
and Medigap plans
Tools and support to help
Medicare-eligible
employees personalize
their health care needs
Dedicated Benefits
Advisors to answer
questions
Full support to create and
submit their applications
Annual support to
reevaluate plan choices
Medicaid
CHIP
Other
Individual States
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A Better Way to Enroll in a State Marketplace
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1
Apply Enroll Estimate Shop
2 3 4
Guiding Retirees to the Right Medicare Coverage
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Aon Hewitt Navigators offers an approach and suite of tools designed
for a seamless experience.
Expert consultation: Complete
needs assessment, in-depth
understanding of options
1. EDUCATION
Expansive network: Average
of 34 medical plans and 17
Rx plans to choose from
2. CHOICE
Personalized, simple tools &
guidance up to and
during enrollment
3. ENROLLMENT
Ongoing support of carrier
experts to help navigate
claims issues
4. ADVOCACY
Medicare
Marketplace Enrollment (eHealth)
Medicare Enrollment (Aon Hewitt Navigators)
Ratings #1 – Nation’s largest online
source of health insurance
#1 – Agency for auto
adjudications by the nation’s
leading carrier
Customers Over 3 million customers
enrolled
Over 2.4 million retirees served
Carriers 180+ carriers 84 carriers and 3,300 insurance
products
Recognition 2011 Kiplinger’s Best Insurance
Website
Over 88% of retirees actively
recommend Aon Hewitt
Navigators
When It Comes to Enrollment, Experience Matters
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Customer Service – Expert Assistance to Meet Customer Needs
Education
• What is an exchange?
• Where can I find health insurance?
• Do I qualify for financial help?
Enrollment
• Help finding and enrolling in a medical plan
• For select state marketplaces and Medicare plans
Advocacy
• Claims and billing support for customers that enroll in a marketplace plan
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Leadership Engagement
Leadership is aware an on
board
HR/Managers are equipped to
be advocates for the solution
Employee Awareness
Employees understand
how the solution applies
to them
Communicating to Leadership, Managers & Employees Insures Success
Explain how Your Coverage Resources fits into your health
care strategy, how it can be used and why it’s important to
your organization to provide this service
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Comprehensive
Communication
Solution
Contact Us
To contact us, please email [email protected]
Karen Frost
Vice President
Health Solutions & Strategies
Aon Hewitt
Sara Taylor
Solution Development Leader
Health Solutions & Strategies
Aon Hewitt
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