Docstoc

Priority Health

Document Sample
Priority Health Powered By Docstoc
					                                  Priority Health Project
                           BUS 656 Management of Technology
                       Renae Bishop Mark Walraven         Jerry Casari


Executive Summary

Trends in health insurance coverage are strongly toward the expansion of the
individually purchased health insurance plan and away from employee-sponsored
plans. The cost of health care, the push toward universal coverage by the federal and
some state governments, and the attack on health care as a tax-free fringe benefit are
driving a wedge between employers, especially smaller employers, and the benefit
plans. The result will be a growing need for individuals to acquire their own insurance
plan working one on one with the insurer.

For Priority Health whose history has been almost exclusively in the employer-provided
coverage world, the change represents a new playing field with new rules. The basic
mechanics of provider pools, coverage limits and health care management will still exist
in this new world, but the manner in which Priority Health sells its services and provides
services to individual consumers directly will need to evolve.

It is our conclusion that many of Priority Health’s strengths and competencies will prove
to be of significant value in this new arena. Our recommendations include leveraging
these core competencies with new interactive contact and communication tools to meet
the needs of customers without intermediaries.

We anticipate that many of the tools of the trade as they exist in the employer market
can be used also in the individual market, with modifications as described in the report.
In summary, we would anticipate a 12 month timeframe with the allocation of adequate
resources for Priority Health to be prepared to support this market with the
communication, sales, and support tools necessary to build confidence in Priority Health
in a new and evolving market.

Introduction/Project Description

The challenge presented to our group is to identify IT strategies for Priority Health to
address the changing health care market which is seeing a shift to individually
purchased contracts from group purchased contracts. These strategies include a
description of the ideal customer interaction experience and a recommendation for the
tools with which to enact those experiences.


Priority Health Overview

Priority Health is a primary player in the health insurance market in Michigan. Growth
through internal expansion and mergers has made Priority Health the health care
insurance choice for hundreds of thousands of Michiganders. A description of Priority
Health follows:



                                        Page 1 of 30
                                 Priority Health Project
                          BUS 656 Management of Technology
                      Renae Bishop Mark Walraven         Jerry Casari
Core Purpose
 “Improving health by providing all people access to affordable and excellent health
care.”

Members
Approximately 500,000 people in Michigan are covered by Priority Health Plans

Employer Groups
More than 8,000 employers offer Priority Health coverage to their employees

Providers
More than 12,000 doctors and other health care providers have chosen to participate in
the Priority Health network.

Service Area
65 Counties of lower Michigan




Company History
1985
Lakeshore HMO is founded by Holland Hospital

1986
Butterworth HMO opens

1992
Lakeshore HMO and Butterworth HMO merge to form Priority Health

1995
Priority Health earns full accreditation by the National Committee for Quality Assurance



                                       Page 2 of 30
                                  Priority Health Project
                           BUS 656 Management of Technology
                       Renae Bishop Mark Walraven         Jerry Casari

1996
Priority Health Named Quality Leader #1 by National Research Corporation

1999
Priority Health merges with Northmed HMO in Traverse City and adds Northern
Michigan to its service area.

2000
Priority Health expands its Muskegon market in partnership with Physicians Health Plan
of Muskegon.

2005
Priority Health opens new offices in Holland, MI and purchases 3 office buildings in
Waters Circle Office Park in Grand Rapids.
Priority Health expands into Saginaw and Cheboygan markets.

2007
Priority Health purchases Care Choices in Eastern Michigan and welcomes 120,000
new members, 40 hospitals, and 7300 physicians
Foote Health System of Jackson transitions the services provided by Physicians Health
Plan of South Michigan to Priority Health.

Office Locations (all in Michigan)
Farmington Hills      Jackson             Kalamazoo             Saginaw
Traverse City         Grand Rapids             Holland

Employer Sponsored Plans and Services
Priority HMO             Priority POS
Priority PPO       Medicare
Medicaid & MIChild

Policy Riders
Dental        Vision               Disability

Other Account Options
Health Savings Accounts
Flexible Spending Accounts
Health by Choice Rewards- A wellness program managed by an employer which allows
employers to offer rewards to employees for meeting health related commitments.
Health by Choice Incentives- A health plan combined with a wellness program which
requires a health risk assessment from Health Quotient and provided completed
qualification form that looks at tobacco use, BMI and Blood Pressure.




                                        Page 3 of 30
                                  Priority Health Project
                           BUS 656 Management of Technology
                       Renae Bishop Mark Walraven         Jerry Casari

Web Based Tools
Change a Primary Care Practitioner     Find a Doctor       Order ID Cards
Personal Health Record           Review Benefits     Review Prescriptions
Review Claims                    Member Handbooks          Coverage Documents
Authorization Check              Forms               Newsletters
Web MD news and resources             Calculate your body mass index (BMI)
Common Costs- On-line average costs for common treatments

Member Discounts
Fitness Clubs                     Health Fitness Clothing & Equipment
Weight Watchers             Laser Correction Surgery
Dell Computer

Individual Product & Market-Overview/analysis

Selling in the individual market has different challenges from selling in the employer-
sponsored market. In the employer-based world, the insurance provider deals with an
employer, a third party, who makes selections on behalf of the employee population.
The employer may or may not ask employees what coverages they would prefer and so
there may be something of a disconnect between a successful sale and actually
pleasing the end consumer, the employees. As long as the employer is happy with the
plan, employees needs can get lost in the unlinked communication channels. Weights
will also be given to the needs of the group in general, but the specific needs of
individuals can get lost in the pool of needs and wants, including those of the employer.

Cafeteria plans are somewhat better at identifying specific employee needs than single
offerings. Employers with enlightened ownership and HR staffs establish cafeteria
plans with multiple employee selection options to allow the plan to more efficiently target
individual employee needs. But this specialization of services does come with an
administrative cost, much of which is born by the employer.

There are and will continue to be employers who can no longer bear the cost burden of
coverage but who are willing to assist employees obtain coverage and to allow
conveniences like payroll deduction and/or HSA plans. Priority Health should not ignore
the opportunity to sell through these employers and harvest in the ‘hybrid’ market. For
Priority Health, these can represent a means of securing a ‘preferred provider’ position
for the employees involved and also to sell cost effectively.

We recommend identifying and pursuing these individual relationships where they can
be found, with Priority Health and employer HR staff acting as counselors, guiding
employees to the plan and helping them utilize the same tools available to the general
public for single member purchase. In this hybrid market, it would seem that offering
guaranteed acceptability would be disadvantages to Priority Health and so we
recommend it not be part of the partnering here as it might be in employer sponsored
plans.


                                        Page 4 of 30
                                  Priority Health Project
                           BUS 656 Management of Technology
                       Renae Bishop Mark Walraven         Jerry Casari

There are many similarities between the employer and individual coverage markets as
well. In the employer market, the customer (the employer) has to buy coverage by
balancing cost with features. In the individual market, the customer, the individual, has
to balance cost and features as well. And since the customer is concerned only about
his/her situation and not meeting the needs of a broad group, the coverage options
available should be tailored in a very visible way. Different options should be offered for
levels of coverage, deductibles and co-pays, lifetime maximums, etc. Some possible
selections are attached as Exhibit ____


The demographics of the Michigan market are described in the attached Exhibit ____.

The State of Michigan publishes statistics on the level of health-insured individuals in
the state. According to the Michigan Department of Community Health’s Special Report
on the Characteristics of the Uninsured and Individuals with Select Health Insurance
Coverage in Michigan published in June of 2008, Michigan has 12 % of its non-elderly
population uninsured, compared to a national average of 17.3%. The percent of the
population with employer-based coverage is 69.2% in Michigan, better than the national
average of 62.7%. And only 6.4% of the Michigan population has purchased health
insurance individually, versus 6.9% nationally. As of 2006, 17.9% of non-elderly (under
65) individuals were uninsured. In Michigan, the rate was noticeably lower at 11.9%.

With its strong automobile industrial base, Michigan has had a positive environment for
health coverage. However, with the economic pressures on the auto companies and by
proxy on their very large supplier base in the state, and the entire business population, it
is likely Michigan’s uninsured population will rise significantly in the near future. Likely,
the market for individual policies will grow substantially in the next few years.

Based on the 2005 data, in the state report, 6.4% of the non-elderly population of 8.8
million citizens amounts to over 550,000 individual health policies. If this rate were to
double, which is not inconceivable, and if Priority Health captured only 15% of the
marketplace, the math says there are approximately 165,000 memberships possible in
the individual market. Capturing this group would add 30% to the current membership
base, making the market an attractive opportunity for the company. Undoubtedly, some
of these members would be lost on the employer side, making the need to capture the
individual market even more acute.

We believe the following are the target market groups for the healthcare industry.
These are based on life stages:
                    1. new graduate
                    2. raising a family
                    3. between jobs
                    4. retiring early
                    5. getting married
                    6. self employed


                                        Page 5 of 30
                                 Priority Health Project
                          BUS 656 Management of Technology
                      Renae Bishop Mark Walraven         Jerry Casari
                    7. empty nest




Individual Product Competitive Analysis

Companies Evaluated as top Priority Competitors:

Atena
HAP
Humana
Blue Cross

Products:

Products from one company to another were relatively comparable. The Blue Cross
Flexible Blue plan for individuals was the best value for the money. Aetna provided an
Individual Graduate program insurance. HAP had flexible plans where you choose the
deductibles, coinsurance and out-of-pocket maximums. Humana offered 3 different
options one to mirror big employers, one that allowed options to choose from and
another that was aimed toward the catastrophic incident only for recent college
graduates.

Costs:

Aetna has individual dental at $7.50/mth and Pharmacy also at $7.50/mth with free
vision when you sign up for both. HAP was basing their costs on if you smoke and if
you are a college student. Humana also wanted to know about smoking and with a
$7500 deductible on the catastrophic insurance you could get it for $21.24/mth. Blue
Cross was the best value for the money at $58.53/mth with a $1500 deductable.

Customer Service:

Each company has a nice web site providing ways to contact them all with a 1800#
except for Blue Cross – although you can e-mail Blue Cross by connecting on line and
they will call you back by leaving you name, phone# and what time you want them to
call you. Humana did not provide an e-mail link and Aetna only supplied their
Connecticut address –not the local Michigan one. Blue Cross also provided special
service numbers for an anti-fraud hot line, their annual report, community affairs,
government affairs, hospital and facility providers and online privacy practice.

Website Experience and Tools:

Aetna, HAP and Humana provided tools to get an online quote for insurance when you
filled out a questionnaire. All the sites provided the ability to translate them into


                                       Page 6 of 30
                                   Priority Health Project
                            BUS 656 Management of Technology
                        Renae Bishop Mark Walraven         Jerry Casari
Spanish. They all provided doctor and drug search lookup capabilities, and some had
health tracking for their members. Humana promoted Golf with many ties to the PGA
where Blue Cross provides free monthly news letters on health and wellness for women
and Blue TV and Radio for RSS Feeds on health topics. EOB’s were also available to
print online.

Marketing and Advertising:

 The sites tried to promote health and wellness in various ways. Aetna uses Magic
Johnson to promote their site, gives out recipes and most of the sites offered special
discounts to various fitness organizations, sports equipment, flowers, local museums,
various health services such as Lasik surgery and weight watchers.


Solution Recommendations

The ideal solution for selling and servicing individual health insurance policies should
include the following major features:

1) A website attractive and easy to use
2) A health conditions screening tool to properly classify risks and guide shoppers to
    appropriate rates for their situation.
3) A drill-down approach to finding more specific information about the coverage being
    offered
4) Clear and simple pricing
5) Payment methods that include auto debits, credit cards and payroll deductions
6) Integration with an HSA through a sponsoring employer
7) The opportunity for a buying new member to declare a start and an end date for
    coverage when original purchase is made and those dates are honored in the billing
    system
8) Bi lingual communications, English and Spanish
9) The ability of a family leader (parent, etc) to be designated with authorization to view
    and direct the health information for all authorizing members (children and
    dependents)
10) Direct, no more than 4 clicks, access to benefit explanations and statements of
    account
11) Ongoing benefits summary displaying the amounts paid on behalf of the individual,
    and a detail of services for which payments are made.
12) A methodology to provide members with cost saving alternatives. For example, if a
    member has chosen a procedure, suggest alternative locations or specialists who
    might be equally qualified but less expensive or more convenient for the member.
13) Allow members to elect to have services performed in a location where they can get
    family assistance easier. For instance, if a member lives in Cheboygan and needs
    surgery, and the member’s support family is in Grand Rapids, allow that member to
    opt for the procedure in Grand Rapids. Make provision in the system for members
    to store information on preferred major procedure locations and honor it.


                                       Page 7 of 30
                                      Priority Health Project
                              BUS 656 Management of Technology
                          Renae Bishop Mark Walraven          Jerry Casari
14) Provide access to physicians’ charges for customary procedures in the physicians
    search area to assist members in choosing physicians
15) Provide a geographic mapping tool for physicians locations in the physician selection
    information
16) Provide a geographic mapping tool for service locations such as hospitals or
    outpatient surgery clinics in the selection information
17) Provide links to licensing and/or complaints information on physicians for selection
    purposes (touchy area)
18) Make available a thorough health risk assessment tool analyzing serious health
    risks, lifestyle issues and other health risks so that members can self-assess and
    make good health choices
19) Provide detailed information and/or links to other sites for allergy management,
    especially for parents with children with allergies.
20) A clear definition of the qualification of ‘significant others’ for coverage qualification.
21) A clear definition of dependents who will qualify for coverage – children, step
    children, dependent parents or siblings, etc.
22) A methodology for providing direct links from the Explanation of Benefits to an
    individual’s HSA, if that HAS is at a participating financial institutional and allow the
    employee to authorize an online payment to the provider for the ‘patient portion’
    amount, subject to editing of the amount.
23) When marketing to young potential members, offer attachment items such as:
24) Accommodate pharmacy data to transfer to and from Express Scripts to
    accommodate the High Deductible Health Plan requirements
    a) Discount memberships to health or athletic clubs
    b) Good student discounts for high GPA’s
    c) Other partner organization discounts

25) Notify members by e-mail when the EOB is available for them online so they can log
    into your site with password to retrieve it.
26) Provide transparency – easy to understand benefits (presentation and language)
    and easy to understand costs (proforma analysis).
27) Flexibility – Offer a cafeteria plan of service offerings to people. Allow for the
    scalability for the young invincibles, families and young retiree's.
28) Length of plans – from one month to one year. Allow coverage to start any day of
    the month.
29) Rewards - Allstate Insurance concept- lower premium with fewer claims. Reward
    positive behavior- free annual health screens.




                                         Page 8 of 30
                                 Priority Health Project
                          BUS 656 Management of Technology
                      Renae Bishop Mark Walraven         Jerry Casari




The implementation of the ideal solution should include technology to support:

             Item for IT Support         Implementation          Cost Range

      1) Website for direct sales          12 months full               $$$
              -Health Assessment
              -Pricing and prospect filtering
              -Sign up and registration
              -Payment processing
      2) Website for members               4-6 months                   $$
              - Account pages              4-6 months                   $$
              - EOB pages                  4-6 months                   $$
              - Links to HSA’s             6-8 months                   $$
              - Underlying databases       Existing platform
                    -Modifications         6-10 months                  $$$
              - Payments processing         -included                   $
              -
      3) On line Chat with customer        1 Month                      $
              Service                                                   $
      4) On line chat with nurse           1 Month                      $
      5) Telephone support system          Existing- reprogramming      $
                                            And/or expansion
       6) Mapping application              4-6 months                   $$
       7) Provider payments                Existing                     $
            - interfaces to new            2-4 months
                    Applications
      8) Integration to accounting         Existing                     $
      9) Underwriting reporting            2-3 months                   $


We would anticipate that the database systems necessary to support the individual
market would not exist as a pre-written package. Research should be conducted to see
if the existing database system for members can be modified to fit the needs of the
individual market. We expect that it can as the differences in data structures seem
small and can likely be accommodated by the addition of a relatively small number of
tables.

Windows and procedures are a different situation. Development of good, functional
tools for employees and for the website experience will be much more time-consuming
and costly. Still, our estimates anticipate the use of existing IT infrastructure and
database platforms.



                                       Page 9 of 30
                                     Priority Health Project
                             BUS 656 Management of Technology
                        Renae Bishop Mark Walraven             Jerry Casari
Many of the items listed can proceed simultaneously, if staffing or contract resources
permit. The critical path will begin with the marketing development of the look, feel and
functionality of the websites and the data structures definition underlying the operations
of the individual sales efforts. At first, this is a bit of the chicken and the egg exercise as
needs and resources (data tables) evolve simultaneously. However, if the data
structures are designed with additional fields for easy expansion, this process can get
off to a very functional start and evolve without major project disruption. Marketing,
sales, financial, underwriting and IT need to form a cross-functional team to begin the
design process. Team members should be committed to the project start to completion
to assure shorter development time, continuity of systems and smooth implementation.

The critical path will be identified through analysis of existing resources and the
determination of their fit to the project. For example, if existing database software is
sufficient, if existing member support tools require only minor modification, and if
existing provider payment processes can be easily adapted into the individual market
process schemes, the time lines can be as shown above. If any of these key
ingredients require new resources, then the needy application may define the critical
path. Assuming the applicability of these key tools is acceptable, the critical path
appears to be the selling website/data structures design work.




                                        Page 10 of 30
                                 Priority Health Project
                          BUS 656 Management of Technology
                      Renae Bishop Mark Walraven         Jerry Casari

Competitive Analysis Detail Findings
Products
     1. Aetna Insurance, Co.
             PPO 5000 –“ Lower premiums” – does not specify cost. $5000
              individual deductible, office visit $40, $50 for specialist. Hospital 20%
              after deductible, prescriptions $15-$35-$50.
             PPO Value 5000 – difference from above is office visit $30 deductible
              is waived, drugs $20-40 after deductible, Hospitalization $30% after
              deductible
             Preventative and Hospital Care 1250.
             PPO 2500 – lower premiums, moderately higher copays, deductible
              and out-of-pocket max. Ded $2500, max $5000, office visit $30, $40
              specialist. Prescriptions $15-$35-$50, hospitalization $20% after
              deductible.
             Vital Savings Discount program (at participating providers) – savings
              on dental 15-50% off some dental services, pharmacy 10-40% of
              average wholesales price, Vision – savings on eyeglasses, contacts
              and lasik surgery.
             Individual Graduate
                   i. Have fitness program – special rates a health clubs and
                      discounts on home exercise equip
                  ii. Aetna Natural Products and Services program – reduced rates
                      for visits to acupuncturists, chiropractors, massage therapists
                      and nutrition counselors and discounts on vitamins and
                      supplements.
                 iii. Aetna Vision programs – savings on eye exams, contacts,
                      frames, lasik surgery
                 iv. National medical excellence program – if you qualify you get
                      help with treatment for transplants
                  v. Aetna Resource Connection – discounts on business products
                      and services from Staples, Hewlett-Packard and other
                      providers.
     2. HAP
             SOLO series of individual products
                   i. It’s flexible you choose deductibles, coinsurance and out-of-
                      pocket maximums.
                  ii. It’s solid – you’re backed by the stability of Michigan’s most
                      trusted local health plan.
                 iii. It’s easy – enroll online it takes less than 30 minutes. Coverage
                      can begin as soon as the first day of the following month.
                 iv. It’s got extras – choose a health plan with a fully integrated
                      HSA.
     3. Humana
             Portrait
             Autograph


                                      Page 11 of 30
                         Priority Health Project
                  BUS 656 Management of Technology
              Renae Bishop Mark Walraven         Jerry Casari
         Monogram




4. Blue Cross
       Flexible Blue – starting at $58.53, $1500 individual deductible.
       Value Blue – starting at $126.33, $1000 individual deductible.
       Also offer World Wide and Expat coverage.




                               Page 12 of 30
                                  Priority Health Project
                           BUS 656 Management of Technology
                       Renae Bishop Mark Walraven         Jerry Casari




Costs
        1. Aetna Insurance, Co.
              Vital Savings Discount program - $15 one time sign-up
                     Individual: Dental $7.50/mth or $72/yr
                     Pharmacy $7.50/mth or $72/yr
                     Vision – free when you sign up for a dental or pharmacy plan.




                                       Page 13 of 30
                          Priority Health Project
                   BUS 656 Management of Technology
               Renae Bishop Mark Walraven         Jerry Casari




2. HAP.
     o Application asks for age, if you smoke and if you are a full-time college
        student. I put in that I was male, born 2/27/1990 and a college student.
        When I hit the “get quotes” button it was blank. I could not get it to give
        me a quote online.




                               Page 14 of 30
                         Priority Health Project
                  BUS 656 Management of Technology
              Renae Bishop Mark Walraven         Jerry Casari




3. Humana
     For a male 20 years old non-smoking below are the prices:




                              Page 15 of 30
                          Priority Health Project
                   BUS 656 Management of Technology
               Renae Bishop Mark Walraven         Jerry Casari




4. Blue Cross – Individual Care:
      a. Flexible Blue – starting at $58.53, $1500 individual deductible.
              i. Health savings account - 2 options Plan 1500 (lower co-pay
                 and deductible) and Plan 2500 (lower monthly premiums)
                     Tax-free investment earnings
                     Year-to-year rollover
                     Preventive care and office visits
                     Prescription drug benefits
                     Dental and maternity benefits
      b. Value Blue – starting at $126.33, $1000 individual deductible.
              i. Basic health care for self-employed or starting a family.
                     Low monthly premiums
                     Affordable co-pays
                     Prescription drug discounts
             ii. Young Adult Blue
                     Individuals 18 to 30 years old
                     Premiums less than $48 a month
                     Prescription drug discounts
                     $1000 deductible/$2,500 co-pay maximum
            iii. Medicare Advantage
                     Medicare plus Blue – with Part D prescription drug
                       coverage


                               Page 16 of 30
                                  Priority Health Project
                          BUS 656 Management of Technology
                      Renae Bishop Mark Walraven          Jerry Casari
                            Prescription Blue – with Part D and drug coverage
                            BCN Advantage – the only HMO backed by Blue Cross.
           c. From $50 a month comprehensive plan includes:
                    i. 3 easy plans all offer preventative, emergency, prescription,
                       vision and dental coverage.
           d. Short-Term Plans
                    i. Coverage for 30-185 days
                   ii. Start or end any day of the month
                  iii. Deductibles beginning at $250
Customer servicing
     1. Aetna Insurance, Co.
            Contact them via internet supply your e-mail and phone#
            Supplied their Connecticut address and a 1800#
     2. HAP.
         Contact us –
            Have 1800 #’s
            Link to e-mail them.
            In person Mon-Fri from 8:30 am to 4:30 pm in Detroit
            Via Mail
     3. Humana
            1800#’s
            fax #’s
            List sales office locations
            Mailing address
            No e-mail link.
     4. Blue Cross –
           1. Do you want us to call you?
                    Enter your name, age, e-mail, phone and time for them to call
                       you.
                    Contact us –
                           o Walk-in customer service centers
                           o Mailing address
                           o Phone # is on back of member cards.
                           o Special Service numbers – anti-fraud hot line, annual
                              report, community affairs, government affairs, hospital &
                              facility providers, online privacy practices.
Website experience and tools
     2. Aetna Insurance, Co.
            Online tool to get a quote
            Online tool to help choose the right plan –
                    i. Have life stages:
                           1. new graduate
                           2. raising a family
                           3. between jobs
                           4. retiring early
                           5. getting married


                                      Page 17 of 30
                          Priority Health Project
                   BUS 656 Management of Technology
               Renae Bishop Mark Walraven         Jerry Casari
                   6. self employed
                   7. empty nest




         Pharmacy lookup – when I clicked the link it took me to find a doctor
          instead of finding a pharmacy.
         Aetna – converts right to Spanish – top right corner.




     
3. HAP.
      Use a debit card or checkbook to pay.



                               Page 18 of 30
                            Priority Health Project
                     BUS 656 Management of Technology
                 Renae Bishop Mark Walraven         Jerry Casari
        Have Health Track program a comprehensive disease management
         program that supports your patient-physician relationship with the goal
         of helping you stick to your prescribed treatment plans. Have links for
         various medical conditions ie asthma, diabetes, weight management
         etc.
        Online Guest services:
               i. Drug search
              ii. Online directories
             iii. Provider search and PCP select
            iv. Registration information
              v. Frequently asked questions
            vi. Wise health care consumer your rights & responsibilities
            vii. Compare health plans – online tool that helps you with what
                  services you are likely to need and then compares out-of-pocket
                  costs under different coverage plans.




4. Humana
                   1. Healthcare Perspectives – on-demand webinars, white
                      papers and other thought leadership resources to help
                      employers address their health benefits concerns.
                   2. Play Healthy Golf – Humana insures many of the world’s
                      top golfers. Read their tips and see how you can benefit
                      from healthy golf AND Humana coverage, too.


                              Page 19 of 30
           Priority Health Project
    BUS 656 Management of Technology
Renae Bishop Mark Walraven         Jerry Casari




                Page 20 of 30
                          Priority Health Project
                   BUS 656 Management of Technology
               Renae Bishop Mark Walraven         Jerry Casari




5. Their website translates into Spanish and promotes diversity:




                               Page 21 of 30
           Priority Health Project
    BUS 656 Management of Technology
Renae Bishop Mark Walraven         Jerry Casari




                Page 22 of 30
                         Priority Health Project
                  BUS 656 Management of Technology
              Renae Bishop Mark Walraven         Jerry Casari




6. Blue Cross
      e. Zagat survey tool – members can share physician experiences online
         and read reviews others have left to help them find recommended
         doctors in their area.
      f. Drug Guide and Interaction Checker
      g. Medical Encyclopedia
      h. Health Risk Appraisals
      i. Personal Health Records
      j. Coverage Advisor – online cost comparison tool to compare healthier
         insurance options
      k. Health Coach Hot Line – 24/7 access to registered nurses and health
         educators.
      l. Living Health-e for Women – free monthly news letter on health and
         wellness for women.
      m. News Letters
      n. EOB’s – can print them online and available for 2 years.
      o. Blue 365




                              Page 23 of 30
                  Priority Health Project
           BUS 656 Management of Technology
       Renae Bishop Mark Walraven         Jerry Casari




p. Blue TV and Radio




                       Page 24 of 30
                                 Priority Health Project
                          BUS 656 Management of Technology
                      Renae Bishop Mark Walraven         Jerry Casari

   Marketing & Advertising
    1. Aetna Insurance, Co.
       o Use Magic Johnson to promote health:




       o Cook Healthier – give out recipes
       o Get Healthier with fliers on information such as “questions to ask before
         surgery”
       o Eat Healthier –you click on food items and it tells you the calories and how
         much walking you need to do to burn them off. Click the scroll to change
         activities like biking, running, swimming, weight lifting to show how many
         hours to burn off the calories if you do those activities.




                                      Page 25 of 30
                             Priority Health Project
                      BUS 656 Management of Technology
                  Renae Bishop Mark Walraven         Jerry Casari




2. HAP.
   Get special discounts on GlobalFit, LASIK and Weight Watchers:
   1-800-FLOWERS - Save 15% on purchases
   Cranbrook Art Museum - $1 off admission
   Detroit Science Center - 50% discount on general admission
   DreamDinners® - $25 off initial order, 10% of subsequent orders
   Fitness Works – Save 25% on membership and no member initiation fee
   GlobalFit – Discounts on NutriSystem®, fitness clubs and more
   Henry Ford Health Products – Save 15% on online and in-store purchases
   Henry Ford LASIK - Save $562 on LASIK services (both eyes)
   Henry Ford OptimEyes – Save 20% on non-prescription sunglasses
   NASCAR.com Superstore – Save 10% on online purchases
   NBA Store - Save 10% on online purchases
   NFLShop.com - Save 10% on online purchases
   Palace Sports and Entertainment's MyCompanyOffer - Receive free and
   discounted tickets to select concerts, sporting events, and family shows at The
   Palace of Auburn Hills, DTE Energy Music Theatre and Meadow Brook Music
   Festival
   Shop.NHL.com - Save 10% on online purchases
   Smart Women's Coaching – 33% discount on the online community
   subscription
   The Sports Authority - Save 10% on online purchases
   Townsend Street Pilates – Save 10% on all services
   Weight Watchers® - Preferred rates for HAP members
3. Humana
       As a HumanaOne member, you keep more money in your pocket by
          enjoying special money-saving opportunities through discount programs.
          Take advantage of these HumanaOne member savings:


                                  Page 26 of 30
                         Priority Health Project
                  BUS 656 Management of Technology
              Renae Bishop Mark Walraven         Jerry Casari
    Eye care and vision services – Save up to 35 percent off retail price on
    frames
    Over-the counter and prescription medication – Save up to 25 percent
    Chiropractic, acupuncture, and massage therapy – Save up to 30 percent
    Health-related products and services, including skin care, nutrition
    supplements, and vitamins – Save up to 20 percent
    Humana Health Plans include value-added features, not just insurance.
   Get tips from 3 pro golfers on your swing – is free to look at for non-
    members.
   They are partners with the PGA and list the dates and locations of the
    tournament.




   They also promote the Ryder Cup:




                           Page 27 of 30
                       Priority Health Project
                BUS 656 Management of Technology
            Renae Bishop Mark Walraven         Jerry Casari




Also the First Tee:




                            Page 28 of 30
                                 Priority Health Project
                          BUS 656 Management of Technology
                      Renae Bishop Mark Walraven         Jerry Casari




   4. Blue Cross
         o Internet plays a big part in their marketing and advertising strategy.
         o According to George Conte they want to “become the consumer brand of
            choice in healthcare and have a tremendous opportunity to become the
            brand of industry.” – People June 19, 2000.

Other Leaders:

Geigo – easy to contact


Contact Us

By email
Send us a message

By phone
Find a phone number

By mail
Find a GEICO address



                                      Page 29 of 30
                             Priority Health Project
                      BUS 656 Management of Technology
                  Renae Bishop Mark Walraven         Jerry Casari
Payment Methods – Choose one of several easy ways to pay your premiums

Online

      Direct Check
      Debit or Credit Card

Automatically

      Electronic Funds Transfer (EFT)
      Debit or Credit Card

By Phone

      Interactive Voice Response (IVR)

By Mail

      Personal Check or Money Order

To change your payment plan or discuss the payment options available to you please
call 1-800-932-8872.

      and more!

*Discounts available in most states.

Health insurance plans as low as $4/day. Call 1-866-779-8466 free!




                                       Page 30 of 30

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:17
posted:4/21/2012
language:English
pages:30